Planning a trip to Europe this summer? Money Saving Expert recommends having the UK Global Health Insurance Card (GHIC) in your possession before you embark on your journey. This card can provide access to state healthcare in numerous European countries in case of an emergency. However, it is essential to note that the GHIC should not be considered a substitute for travel insurance.
During the National Money Assembly at St Charles 6th Form College in London, Martin Lewis emphasized the importance of obtaining a GHIC before traveling to Europe. He highlighted that the card is completely free and cautioned against paying any third-party websites for the application process.
Lewis advised travelers, “Always get your GHIC card before heading to Europe. This card grants you treatment at a state-run hospital in an EU country or equivalent at no additional cost – mirroring the locals’ healthcare access.”
The GHIC, as stated by the NHS, covers essential healthcare services during temporary stays in the EU and select other nations. However, it does not include private medical care, mountain rescue, repatriation to the UK, or expenses related to lost or stolen belongings.
Martin Lewis stressed that solely relying on the GHIC is insufficient. He recommended securing travel insurance promptly after booking a trip, as it offers protection both before and during the journey. Basic travel insurance for a week-long trip in Europe can often be obtained for a modest cost, typically ranging from £7 to £10 for young travelers.
Lewis’s fundamental advice is to purchase travel insurance “ASAB” – as soon as you book your trip. This proactive approach ensures coverage in case unforeseen circumstances necessitate canceling the holiday before departure.
It is crucial to note that applications for a GHIC can be made free of charge through the official NHS website, with most individuals eligible to apply online. Any website charging a fee for GHIC applications is providing an unnecessary service, as the card itself is available at no cost.
