The EHIC card replaced the old E111 form that no longer existed in July 2006. Quite simply, the card offers free or discounted medical services in EU countries. Many visitors want to know why they need to pay for travel insurance, which includes health care across Europe because they already have EHIC cards that offer free or deductible care in their intended country. The answer is because there are many cases that are not covered by EHIC cards. The best case is the disease that needs to go home; because the flight cost is not in the separate range of the EHIC card.
Most European countries do not have the full range of health care services like the NHS, so many treatments or prescriptions require additional fees as a percentage of the total amount or a fixed amount, such as those we provide in the UK. Your vacation premium will include this additional fee and any fees associated with it.
For example, if you decide to use only the EHIC card to travel to France and do not have travel insurance, if you or any of your family members become ill, you will be charged the following:
Prescription costs - If you are sick while on holiday in France, you will need to pay a prescription fee. Traveling with an EHIC card allows you to recover a certain percentage of your expenses later, unless the doctor signs the prescription with a terrible NR. However, without holiday insurance, you may find yourself paying up to 45% of the total cost of the prescription, which can be very expensive for certain types of drugs.
Visiting a doctor - no one wants to see a doctor during the holidays. However, if you are sick in France and do not have travel insurance to match your EHIC file, you will find yourself paying a 30% doctor fee. This is something you won't consider if your child is sick at night and you have to pay a high 30% charge.
Hospitalization - This is not something you really want to consider when booking a city vacation at a glamorous travel agency. However, if you end up living in a Paris hospital without travel insurance, then your EHIC card will not be paid for the daily fixed fee charged by the French hospital to its inpatients.
At the same time, if you have purchased vacation insurance, your medical expenses are already included. Paying a fixed daily fee is not the end of your concern. Hospitalization in France means you must also pay a non-refundable 25% hospitalization fee.
Spain, Switzerland and Portugal are examples of countries that require large medical expenses, if you only carry EHIC cards and do not have holiday insurance. So if you travel to Europe, the only way to save money is to combine your EHIC card with a comprehensive travel insurance policy.
Orignal From: Travel insurance and EHIC card
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