Possible blog article:
UK Global Health Insurance Card: Your Essential Travel Companion
Are you planning to travel abroad and want to stay protected against unexpected healthcare costs? If you are a UK resident, the Global Health Insurance Card (GHIC) might be just what you need. In this article, we’ll explain what the GHIC is, how to get one, and what it covers. We’ll also explore some common questions and concerns about the GHIC. Let’s get started.
What is the GHIC and how does it differ from the EHIC?
The GHIC is a free card that entitles you to healthcare at the same cost as a resident of the country you are visiting in the European Economic Area (EEA) and Switzerland. It replaces the European Health Insurance Card (EHIC), which will no longer be valid after December 31, 2020, due to the UK leaving the EU.
The GHIC covers medically necessary treatment for pre-existing and chronic conditions, emergencies, maternity care, and routine medical care that cannot wait until you return to the UK. It also covers the provision of oxygen and kidney dialysis, as well as mental health treatment. You can use the GHIC in any EEA country as well as Switzerland, but it does not cover private medical treatment or repatriation costs.
How to apply for a GHIC?
You can apply for a GHIC online through the NHS website, by phone, or by post. To apply online, you need to provide your name, date of birth, address, national insurance number (if you have one), and email address. You may also need to provide your NHS number, which can be found on any letter or prescription from the NHS. If you don’t have an NHS number or are unable to provide it, you can still apply.
You can also apply for a GHIC for your family members, but you need to complete separate applications for each person. The GHIC is valid for up to five years, depending on your eligibility.
What to do if you have an EHIC?
If you have an EHIC that is still in date, you can use it until it expires. You do not need to replace your EHIC with a GHIC unless it has expired or you have lost it. However, if you have both an EHIC and a GHIC, you should use the GHIC first, as it will be valid for longer.
If you are a UK resident visiting an EU country before the end of 2020, you can continue to use your EHIC. If you are planning to visit an EU country after January 1, 2021, you will need a GHIC.
What if you have private health insurance?
The GHIC is not a replacement for private health insurance, which may offer additional benefits, such as cover for lost baggage or cancelled flights. However, having a GHIC can complement your private health insurance and reduce your out-of-pocket expenses.
If you need medical treatment while abroad, you should present your GHIC or EHIC (if still valid) to the healthcare provider and ask for the treatment to be provided under the relevant scheme. If you are charged, you may need to claim a refund or reimbursement from your insurance provider or the NHS Business Services Authority.
Conclusion
Getting a GHIC is a smart move if you are a UK resident who plans to travel to the EEA or Switzerland soon. The GHIC gives you peace of mind that you can access necessary healthcare without paying more than the locals. Applying for a GHIC is simple and free, and the card is valid for up to five years. Remember to use your GHIC (or EHIC) whenever you need medical treatment abroad, and check your private health insurance policy for any exclusions or requirements. Safe travels!
(Note: Do you have knowledge or insights to share? Unlock new opportunities and expand your reach by joining our authors team. Click Registration to join us and share your expertise with our readers.)
Speech tips:
Please note that any statements involving politics will not be approved.