Travel Insurance. Also Get A European Health Insurance Card.
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
Travel Insurance and the European Health Insurance Card
A Guide to Securing Your Health While Traveling in Europe
Remember the E111 Form? It's History!
If you're planning to travel in Europe, you might recall the old E111 medical forms required for European journeys. Fortunately, those are now a thing of the past. As of January 2006, the E111 form was replaced by the European Health Insurance Card (EHIC).
What is the EHIC?
The European Health Insurance Card is valid for up to five years and provides you with the same level of medical care as a resident of the country you’re visiting. It covers emergency treatments and applies to all EU countries, plus Switzerland, Norway, Iceland, and Liechtenstein. However, remember that it may not cover all treatments provided for free by the NHS in Britain.
Why Carry an EHIC?
Having an EHIC can save you time, money, and hassle if you require medical attention abroad. It can streamline the process compared to solely relying on travel insurance, which often involves more red tape.
The Role of Private Insurance
In many European areas, the best medical care is often reserved for those with private insurance, allowing you to avoid long queues. Nationalized healthcare is only available in nationalized hospitals, which might be far from tourist areas. In contrast, private clinics are commonly found in tourist spots, offering good care, though they can be pricey.
Beyond Medical Care: The Importance of Travel Insurance
Travel insurance covers much more than medical expenses. It includes holiday cancellations, curtailments, and loss of luggage or valuables. Most policies even cover emergency evacuation back to the UK.
Our Recommendation
We suggest obtaining both an EHIC and comprehensive travel insurance. You've worked hard to save for your holiday, and the last thing you need is financial stress if something goes wrong.
Finding the Best Travel Insurance
The best travel insurance deals can usually be found online. Brokers offer great value as they have access to various providers, unlike individual insurance companies, which only promote their own policies.
How to Get an EHIC
The EHIC is available for free at any Post Office or by calling the Department of Health at 0845 606 2030. You can also apply online at [www.dh.gov.uk/travellers](http://www.dh.gov.uk/travellers).
In conclusion, no matter how well you arrange it, securing travel insurance and an EHIC offers invaluable peace of mind for your travels.
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