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Frequently Asked Questions about accessing medical treatment in other countries in Europe
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The rules and procedures to access medical treatment in another Member State differ depending on the purpose and duration of your stay there.  You may be on a temporary stay, for example, a holiday or business trip.  You may have gone to that country specifically for medical treatment because that treatment was not available in Ireland or there are long delays to obtain the treatment in Ireland or you may have taken up residence there.

See below for Frequently Asked Questions on:

Accessing medical treatment during a temporary stay

The European Health Insurance Card makes it easier for people from the European Union’s 27 Member States plus Iceland, Liechtenstein, Norway and Switzerland to access health and medical care services during temporary visits abroad.

If you are going on holiday, a business trip or a short break or are heading off to study abroad, remember to make sure that you have obtained a card. It will help save you time and money if you fall ill or suffer an injury while abroad.

What are the practical benefits of the card?

The card ensures that you will get the same access to public sector health care (e.g. a doctor, a pharmacy, a hospital or a health care centre) as nationals of the country you are visiting. If you have to receive medical attention in a country that charges for health care, you will be reimbursed either immediately, or after you go home to your own country. The idea is that you are given the care you need to allow you to continue with your stay.

However, it is important to note that the card does not cover your health care costs while abroad if you are travelling in order to obtain treatment for an illness or injury that you had before travelling. Nor does the card cover you for private sector health care providers.

June plans to go to Spain for a short holiday. While she is in good health, she is worried about healthcare if she becomes ill while abroad. As a citizen of the EU, does she have any entitlement to healthcare in Spain or in any other Member State of the EU?

As a national of an EU Member State, June and members of her family are entitled to free or reduced cost necessary medical treatment in any EU country as well as Iceland, Norway, Liechtenstein and Switzerland.

Only publicly funded treatment is included in the European Health Insurance Card scheme – each country operates its own rules for medical provision. In some countries, medical treatment is free, in others you pay part of the cost; in others you pay the total cost and then claim a refund.

Where can I obtain a European Health Insurance Card?

You have the following options in applying for your European Health Insurance Card:

  • You can apply online at www.ehic.ie if you already have either a medical card or a Drugs Payment Scheme (DPS) card

  • You can apply in person by completing an application form at your local Health Office

  • To apply by post, ask for an application form at your local Health Office, Community Care office or Health Centre. An application form can be posted to  you from these offices or you can download it from www.ehic.ie.  Return the completed forms to your local Health Office.

Is it necessary to obtain travel insurance in addition to the European Health Insurance Card?

It is advisable to take out travel insurance in addition to the European Health Insurance Card. Few countries pay the total cost of medical treatment even under reciprocal health service arrangements. Illness or accident abroad may mean extra travel, accommodation and repatriation costs for which you should be insured. Certain travel insurers will only honour a travel insurance claim for medical costs if the policy holder can produce evidence of the European Health Insurance Card

What if I have a pre-existing medical condition requiring weekly medical treatment e.g. diabetes.  Is it possible to visit a doctor in another State and who is responsible for the cost?

The cover provided by the European Health Insurance Card is no longer limited to emergency treatment.  You should produce your European Health Insurance Card to the hospital to obtain the treatment. You may require supporting evidence from your GP of your condition and as a consequence, you are recommended to bring a letter from your doctor confirming your condition.

Does a student undertaking studies in another Member State have an entitlement to healthcare?

Students are entitled to all health care benefits in kind during their studies in another MS. To ensure that students can avail of these benefits, they should obtain a European Health Insurance Card prior to departure.

When returning the application form, it should be accompanied by a letter from the student’s college confirming that the overseas semesters are part of a registered course.

If your son becomes ill while abroad, he should produce the European Health Insurance Card to the medical staff he consults at his local public hospital.

Where can I obtain further information on the European Health Insurance Card?

Further information on the European Health Insurance Card can be obtained from the following website:  http://ec.europa.eu/social/main.jsp?catId=559&langId=en

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Accessing Planned Medical Treatment in another State

Can I access planned medical treatment in another State?

Citizens may make an application to their local Health Authority for authorisation to travel to another Member State of the European Union to receive medical treatment there.  For example, it is possible for a citizen resident in Ireland to obtain authorisation to receive medical treatment in Germany or Austria or any other Member State of the European Union.  Authorisation is generally required from the Health Authority in the home State where the treatment is not available in the home Member State or where the treatment cannot be provided in the home State without undue delay.

If the authorisation to obtain treatment in a hospital or institution in another Member State is granted, the cost of the treatment will be paid for by the Health Authority in the citizen’s home State. This means that where a citizen who is resident in Ireland obtains authorisation to receive medical treatment in Germany, the cost of the treatment will be paid by the Irish Health Services Executive.

Example

Bridget requires a hip replacement.  She has been seen by a consultant who has advised that the waiting list is now eleven months.  She has been advised that she can obtain a hip replacement within four weeks in France at a cost of approximately 5,000 euros for the operation.  She can apply to her local Health Services Executive office for authorization to travel to France for the operation.  If this is granted, the cost of the operation will be paid by the Health Services Executive in Ireland.  Bridget may also be able to claim travel and accommodation costs from the Health Services Executive.

What factors will the Health Authority take into account when considering granting authorisation?

Where the treatment is not available in the home Member State, the Health Authority may consider the following:

  • whether there is urgent medical necessity for the treatment;

  • whether there is a reasonable prognosis;

  • whether the treatment is regarded as a proven form of medical treatment;

  • whether the treatment is to take place in a recognised hospital or other institution and is under the control of a registered practitioner.

Based on the recent Watts case (C-372/04), where the treatment is available in the home State but the treatment cannot be provided without undue delay, the Health Authority should also consider whether the waiting time for the treatment in the home State exceeds the period which is acceptable in the light of a medical assessment of the following:

  • the clinical needs of the citizen in the light of his/her medical condition;

  • the history and probable cause of illness;

  • the degree of pain;

  • the nature of the disability at the time when the authorisation is sought.

Under what circumstances is the Health Authority entitled to refuse to grant authorisation?

The Health Authority is entitled to refuse to grant authorisation to a citizen to receive healthcare in another Member State if any of the above conditions are not met and, in addition, where the refusal ofauthorisation can be justified in the light of overriding reasons.  For example, where the Health Authority wishes to ensure:

  • that there is sufficient and permanent access to high quality hospital treatment; and

  • that costs are controlled; and

  • wastage of financial, technical and human resources is prevented.

These reasons must satisfy the requirement of proportionality.

How can I apply for healthcare in another Member State from Ireland?

In Ireland, there are a number of steps to be completed by a citizen seeking to obtain medical treatment in another Member State:

  1. The citizen is advised by his/her consultant that certain medical treatment is necessary.  If the treatment is not available in Ireland or the treatment cannot be provided without undue delay, the citizen may opt to apply to his/her area Health Services Executive office to obtain authorisation to obtain the treatment in another Member State of the European Union in an institution identified by the citizen.

  2. The citizen obtains a Form S2 (previously, the E112 application form)  from his/her area Health Services Executive office.  The S2 Form allows you to prove your entitlement to planned health treatment in another Member State or in Iceland, Liechtenstein, Norway or Switzerland.  It acts as authorization from the HSE that you can obtain the planned treatment in another Member State.  You must obtain it from your health insurance institution before leaving and then submit it to the health insurance institution in the country where you go to receive the treatment. Treatment will be provided to you under the same conditions of care and payment as to nationals of the country where you receive the treatment.  This could mean that you have to pay some of the costs up front.

  3. Where authorisation is granted by the Health Services Executive office to the citizen to obtain the treatment in the specified institution, the Health Services Executive will agree to pay the costs of the treatment in addition to certain travel and subsistence costs.

Where can I find out more about making an application for planned medical treatment in another Member State?

Further information on making an application for medical treatment in another Member State is available from your area Health Services Executive office. Click here for contact details of the Health Services Executive offices in your area.  

Further information on planned medical treatment in another Member State is available on the following website:  http://ec.europa.eu/social/main.jsp?catId=569&langId=en

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Accessing Health and Medical Care during residence in another State

What is my entitlement to health and medical care if I take up residence in another State?

You have the right to receive sickness benefits in kind, e.g. healthcare and medicines, in your country of residence, regardless of where you are actually insured. You are entitled to exactly the same treatment as nationals of that country.

If you are insured in a different country than the one where you reside, you should register with  the local healthcare institution of your place of residence. To do so you may need to ask the healthcare institution where you are insured for an S1 form that you will then present to the institution where you live. This is typically the case of pensioners retiring to a different country than the one that pays their pension and where they are insured.  It is not necessary for temporary stays.

Can I transfer benefits accrued in the country I have just left to my new country of residence?

The country where you are insured is always responsible for paying your sickness, maternity or paternity benefits in cash, i.e. benefits that replace a wage that has been suspended due to sickness. These benefits will be paid according to the rules of the country where you are insured, regardless of where you are living or staying.

Whenever certain conditions have to be fulfilled before you become entitled to benefits, the institution examining your claim must take account of periods of insurance, residence or employment completed under the legislation of other countries. This is a guarantee that you will not lose your sickness insurance coverage when changing employment and moving to another country.

For example, in some countries, you may only become entitled to sickness benefits after six months of insurance there. EU rules ensure that you will be entitled to sickness benefits from the beginning of your insurance period there if you had previously been covered for 6 months or more in any other EU country, Iceland, Liechtenstein, Norway or Switzerland.

Where can I find out more about my health and medical care rights if I take up residence in another Member State?

You can access further detailed information on your health and medical care rights on taking up residence in another State on the following website: http://ec.europa.eu/social/main.jsp?catId=859&langId=en

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Last update: 30/10/2010  |Top