EHIC Application Form 

european health insurance card application form

 

European Health Insurance Card Application Online

A European Health Insurance Card, more commonly known as an EHIC card, although some people still refer to it as the old e111 card, is a card that allows cardholders to have access to state-provided healthcare whenever they are travelling to Switzerland or to any European Economic Area (EEA). It covers any necessary treatments that cardholders may need during the trip, from emergency treatments to treatments for pre-existing conditions, provided that seeking healthcare was not the primary reason for the trip.

European Health Insurance Card Renewal UKEHIC card holders should generally be treated the same way as residents of the country are treated. This means that if residents could get the treatments at reduced or no costs, e111 cardholders should also enjoy the same benefit. Not all countries can afford free healthcare though, so some require patient co-payment schemes, which means that patients pay a certain percentage of the treatment cost. If an EHIC cardholder gets treatment in these countries, then they are also required to pay the same charges as residents of that country.

This being said, the European Health Insurance Card can easily be confused as equivalent to travel insurance. This, however, should not be so. The EHIC does not cover private healthcare costs or lost property and it is not valid for use on cruise trips. It is therefore still advisable to have both an e111 and travel insurance when travelling, especially since many insurance companies waive the excess charges if you do.

The EHIC can be obtained from any country that is part of the EEA. Eligibility, application and renewal processes will differ from country to country, so it is best to check them beforehand.

European Health Insurance Card Coverage

ehic card travel protectionJust like the EHIC processes, the healthcare systems and EHIC coverage in each country would also differ. It should be noted that state-provided healthcare is not available in all countries in the EEA. This means that you may not be able to use the card in some of these countries. It is therefore important to read about the EHIC coverage of the country you are visiting before actually leaving for that country.

Generally, though, the EHIC was made to provide cardholders with access to state-provided healthcare for free or at reduced costs. Normally, this would only cover emergencies but the EHIC founders did one better – it included necessary treatments for chronic or pre-existing diseases and even routine maternity care, provided that seeking healthcare was not the primary reason for the trip. However, the EHIC may cover expenses relating to birth if and only if it happens unexpectedly.

Maternity care is not the only priority of EHICs, though. The card can also cover provisions for oxygen and kidney dialyses, provided that these are pre-arranged before the trip. However, it is important to make sure that the bookings are made with a state hospital because private hospital charges are not covered by the European Health Insurance Card.

Again, the EHIC is not the same as a travel insurance. The two should be held simultaneously instead of as alternatives to each other. Doing so will ensure that your trip will go smoothly and that any accidents are well accounted for.

Applying for An EHIC Card in UK

old e111 card replacementThe good news is that the EHIC is not based on nationality but on residency. This means that you are automatically entitled to an EHIC as long as you have proof of EEA residency regardless of whether or not you have paid your taxes or national insurance contributions. It should be noted, however, that residents living in the EEA who have already been issued an EHIC in a specific country cannot avail of another one in another country. It should also be noted that anyone entitled to or is already a holder of an EHIC can lose his/her privileges when he/she moves to and/or starts working in a non-EEA country.

Applying for Family Members

One EHIC only applies to one owner. Families travelling around the EEA, therefore, should have their own European Health Insurance Cards for emergency purposes. The good news is that the applications can be done in a single process. All you have to do is to register your details first and choose to apply for additional cards after. You can do this for your spouse and/or dependents under 16 years of age. Boarding school teachers and other legal guardians can also apply for EHICs for any children under their custodies.

The following information are needed when applying for an EHIC:

  • Full Name
  • Birthday
  • NHS or National Insurance (NI) Number (Health and Care Number if a resident of Northern Ireland; CHI number if a resident of Scotland)

NOTE: Temporary NI numbers will not be accepted.

EHICs will usually arrive within seven days after application.

Applying as a Non-EEA National

Again, EHIC eligibility is based on residency and not nationality. Non-EEA nationals will just have to provide proof of eligibility such as a copy of a residence permit or visa. All other steps will be the same as those for EEA nationals.

Applying as an EEA Resident Outside of UK

Residents of EEAs outside of UK can still obtain a UK-issued EHIC provided they adhere to the following:

  • Receives exportable UK benefits or UK State Pension;
  • Has a registered UK-issued certificate of entitlement (S1 form) in country of residence;
  • Employed under a UK employer but is posted to work in another European country OR is a frontier worker living in Europe and working in the UK;
  • Is a family member of someone who works in the UK and is not covered by country of residence;
  • Students who study in EEA countries outside of UK

Some countries allow EHIC applications to be done online. UK, however, requires applicants to obtain an EHIC-E application form from the Overseas Healthcare Team and manually complete and post this.

As mentioned above, different countries have different criteria for eligibility, so those who are not eligible for UK-issued ones can always try to see if they are eligible for EHICs in other EEA countries. Unfortunately, residents of the Isle of Man and the Channel Islands cannot apply for an EHIC, whether in UK or in any other EEA country.

Frequently Asked Questions

What if I forget my e111 Card at home?

With all the other things that need to be packed/arranged before the trip, it is easy to forget your EHIC. Fortunately, any unexpected medical expenses during your trip can still be covered as long as you provide a Provisional Replacement Certificate (PRC). The PRC is a document that proves ownership of an EHIC and will give you the same benefits as the card during your whole stay. To get this document, the cardholder or any authorized representative can call the Overseas Healthcare Team and provide them with the following details:

  • Full Name
  • Address
  • Birthday
  • NHS or National Insurance (NI) Number (Health and Care Number if a resident of Northern Ireland; CHI number if a resident of Scotland)
  • Fax number or email address of the specific department of the healthcare institution providing the treatment

What happens if I lose my European Health Insurance card?

Any lost, stolen, or misplaced cards should immediately be communicated to the EHIC renewal team. For verification purposes, you will be asked for your full name, address, birthday, and PIN if you know it.

Cardholders who have a European Health Insurance Card lost and suddenly need to get medical attention during their travel can do so by providing a Provisional Replacement Certificate (PRC), as mentioned above. To get this document, the cardholder or any authorized representative can call the Overseas Healthcare Team and provide them with the following details:

  • Full Name
  • Address
  • Birthday
  • NHS or National Insurance (NI) Number (Health and Care Number if a resident of Northern Ireland; CHI number if a resident of Scotland)
  • Fax number or email address of the specific department of the healthcare institution providing the treatment

Can I get a refund if I pay the medical costs instead of using the EHIC?

european health insurance card application formAgain, this will vary per country. Availing of the EHIC can be a long process, so some state healthcare providers may expect cardholders to pay the whole bill upfront and then just refund it afterwards. This refund is not automatic. Cardholders will have to apply for it, supplying the EHIC team with all the necessary documents that they will require. It is therefore important to keep all receipts and documents intact and, if possible, make copies of it.

However, other countries will automatically apply the European Health Insurance Card privilege while others may ask cardholders to pay a certain percentage of the amount as contribution. The latter is known as patient share or co-payment. Some healthcare providers will compute the amount of this share right away while others may ask the cardholder to pay the total bill and apply for a refund later on. Keep in mind that the amount to be refunded will be the total bill less the patient share. The amount of the patient share is determined by the foreign country’s authorities.

Apply, Replace or Renew your European Health Insurance Card Today

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