The Misconception of European Health Entitlements
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Many travelers believe that the European Health Insurance Card (EHIC), now transitioning to the Global Health Insurance Card (GHIC) post-Brexit, is a catch-all for health needs abroad within Europe. However, this is a common misconception. The EHIC/GHIC allows you to access state-provided healthcare during a temporary stay in the European Union and associated countries like Switzerland and Norway at a reduced cost or sometimes free. However, it’s crucial to note that this coverage is limited.
Key Limitations of EHIC/GHIC:
- Coverage Scope: Only covers emergency medical treatments and does not extend to private healthcare facilities.
- Non-Inclusive of Repatriation: Costs for returning home due to medical reasons are not covered.
- Co-Payments: Some countries require patients to pay a portion of the treatment costs, which might not be reimbursable.
The Essential Role of Family Holiday Insurance
When traveling outside of your home country, especially outside the EU, securing comprehensive family holiday insurance becomes indispensable. This insurance goes beyond the limitations of EHIC/GHIC by covering a wider array of potential issues.
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Why You Need Comprehensive Travel Insurance:
- Global Coverage: Protects you in countries where no reciprocal healthcare agreements exist.
- Full Spectrum of Medical Services: Covers treatments at both public and private facilities and includes special transport like air ambulances.
- Accommodation and Travel Costs: Addresses additional expenses if family members need to extend their stay due to your hospitalization.
According to a 2021 survey by the Association of British Insurers, medical expenses accounted for 52% of travel insurance claims, with t