Countries Health Insurance Card: what it covers, and why you need health insurance

The European Health Insurance Card (EHIC) offers access to public healthcare in the countries of the European Economic Area and Switzerland.

It is free and guarantees the same standard of medical care as citizens of the country you are visiting. However, the cover is not complete or the same in all destinations.
 

How does the cover vary depending on the country?

The cover of the countries health insurance card depends on each country's healthcare system. Some examples:

• France: Pay in advance and request reimbursement.

• Germany: Limited access without prior authorisation.

• Italy: Copayment for medication and specialised care.

• Portugal: Free care at many clinics, but with possible delays.

• Switzerland: Very expensive system with high deductibles, even with the EHIC.

In short, the European Health Insurance Card does not guarantee free or complete healthcare. That's why it's important to know the details by country before travelling.
 

Why take out health insurance if you already have an EHIC?

The European Health Insurance Card has significant limitations. International health insurance offers cover that the EHIC does not include:

• Access to private medical centres.

• Medical repatriation and emergency transfers.

• Medication and tests not covered by the public healthcare system.

• Medical assistance without waiting or paperwork.

• Cover in countries not included in the EHIC, such as the United Kingdom or destinations outside Europe.

There are also health insurance policies with worldwide travel assistance, which guarantee immediate, specialist medical care anywhere in the world, regardless of the country you are visiting. These insurance policies are ideal for frequent travellers and people who need global coverage.

Another very popular option is reimbursement health insurance, which allow you to freely visit any doctor, clinic or international hospital, and then the insurer will reimburse you the corresponding amount depending on the agreed terms. This option offers maximum freedom to choose where to receive medical care without relying on specific networks.
 

Countries Health Insurance Card: prevention and safety for your trips

Having the EHIC is useful, but not enough. Knowing about the countries health insurance card and supplementing it with travel health insurance guarantees you quality care, with no surprises or unexpected expenses.

At our insurance company, we offer you international health insurance with extensive cover, 24/7 assistance and personalised care to make sure you travel with complete peace of mind.