Yes. If you are travelling in the EU, you should get and take a GHIC, or a valid UK-issued EHIC, even if you have travel insurance.
What is a GHIC used for?
The Global Health Insurance Card (GHIC) replaced the EHIC for most UK travellers. A valid UK-issued EHIC can still be used until it expires.
A GHIC or EHIC can help you access healthcare through reciprocal health agreements. If you need inpatient treatment in the EU, you should use a public hospital and present your GHIC or EHIC.
The card can also apply in other countries, including Switzerland where it is valid.
How can a GHIC affect my travel insurance?
If you show your GHIC or EHIC when receiving medical treatment in the EU, or another country where the card is valid, and your medical costs are reduced, the medical expenses excess on your policy will not apply.
If you cannot present your card when admitted to hospital, you must cooperate with the medical assistance team to obtain one.
Does a GHIC replace travel insurance?
No. A GHIC is not a substitute for travel insurance.
It does not provide the same protection for costs such as rescue or repatriation, lost or stolen belongings, cancellation or cutting your trip short, extra travel and accommodation costs caused by illness, or medical treatment where the card is not valid.
For example, an air ambulance from Spain to the UK can cost £10,000 or more.
What should I do before travelling?
If you do not already have a GHIC, apply before you travel at ghic.org.uk and take the card with you.
Read your policy documents for full details of how reciprocal healthcare arrangements can affect your travel insurance.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
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