Medical Insurance or Ehic - What Do I Need?

By: Keith McGregor

EHIC is valid throughout the EU and a number of other countries, namely Switzerland, Iceland, Norway and Liechenstein. Should you be suddenly taken ill or have an accident in any of these countries, then the EHIC will entitle you, in most cases, to free, or at a reduced cost, necessary medical treatment.

Do remember, however, that an EHIC does not cover you for all the medical costs that you can incur or for your repatriation – it is not an alternative to medical insurance and to go abroad without appropriate medical cover, as provided by most travel insurance policies, is probably as close to playing ‘Russian Roulette’ as you can get. Further more, an EHIC does not cover you outside the areas described and although the UK has mutual agreements with many countries, these arrangements don’t cover all expenses you can incur.

You may have to pay thousands of pounds in medical costs, a prime example is the USA and Canada where medical treatment is expensive and, increasingly, there are many other countries that fall into this category.
So we do recommend that before you travel that you always arrange travel insurance with health cover that is adequate for your destination. The FCO advises that the level of cover should be at least ï??1million for Europe or ï??2million for the rest of the world but most travel insurance policies now offer cover beyond these figures and ï??5million is becoming quite standard and even higher figures are common. As with all insurances where health cover is required, there may be restrictions because of a particular medical condition for example, which may result in a higher premium to be paid. At the end of the day though, what you are paying for is ‘peace of mind’ and that is why it is so important to make sure you get cover before you go..

For extensive travel insurance, why not visit Travel and Insure - a travel insurance business with a difference!

Travel Insurance
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 
 • 

» More on Travel Insurance
 



Share this article :
Click to see more related articles