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:
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You can apply online at www.ehic.ie if you already have either a medical card
or a Drugs Payment Scheme (DPS) card
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You can apply in person by completing an application form at your local
Health Office
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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