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Everything you need to know about the Ghic, the post-Brexit health insurance card

Everything you need to know about the Ghic, the post-Brexit health insurance card


Since the EU referendum in 2016, there has been a great deal of uncertainty about whether the free healthcare on offer to British travellers to Europe will continue after the Brexit transition phase ends.

The free European Health Insurance Card (Ehic) is being phased out, replaced by the Global Health Insurance Card (Ghic) – which is also free. Those already holding Ehics can continue to use them as normal, as both cards entitle the holder to free or discounted medical care in EU countries and Switzerland (though stricter conditions apply for the latter). However, check your Ehic is still in date – millions are set to expire during 2023. If you don’t have an Ehic, you’ll need to apply for a Ghic.

A  brief history of the Ehic

British travellers have long benefited from free or very low-cost medical treatment in some other countries – initially through reciprocal agreements and later, after the UK joined the then-EEC in 1973, with a Europe-wide agreement.

For decades the document for travellers was known as the E111, and was available from social-security offices.

In 2004, the European Union introduced the Ehic as a card demonstrating entitlement to medical care on the same basis as local people. It is available free to EU citizens, including (after Brexit) those living in the UK.

What exactly has changed since Brexit?

Perhaps oddly: British travellers have lost reciprocity with three non-EU members – Norway, Iceland, and Liechtenstein – but not with the EU27 or Switzerland.  The UK and European Union will continue to offer “benefits in kind” to a citizen from the other side if those benefits “become necessary on medical grounds during their stay”. In other words: need health care? You’ve got it.

It’s important not to equate entitlement with possession of a valid European Health Insurance Card. The Ehic is simply an easy way to demonstrate that you qualify for treatment.

How do I get one?

Do not apply if you have a valid Ehic. 

You can apply for a UK Global Health Insurance Card (Ghic) on the NHS portal previously used for Ehic applications or by calling on 0300 330 1350.  The card is free. Do not use any third-party sites: they are likely to charge a fee.

Can I still apply for an Ehic renewal?

You can try and apply to renew it – but you’ll be redirected to apply for a Ghic, as…

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