EHIC Cards Vs Medical Insurance ???

Discussion in 'Motorhome Chat' started by Yorick, Aug 29, 2016.

  1. Yorick

    Yorick Funster

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    I really need to know what the EHIC cards cover ?

    I'm doing quite a lot of Mountain Biking over rough ground, and also just starting riding off road motorcycles. Have fallen off a few times, but nothing serious. YET. And that's what's worrying me.

    If I need hospital treatment, will the EHIC cover it ?

    Or best to take out separate, private medical cover ?

    Thanks
     
  2. Minxy Girl

    Minxy Girl Funster Life Member

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    The EHIC will only cover emergency/urgent treatment I believe, however if you have a serious injury/are incapacitated and need to be repatriated it won't cover that, same as if you are killed/die then you are really up the creek as again it would fall onto your relatives to get you back home which would cost a packet!!! I think even if you were covered as an emergency you still have other costs to pay ... I think some places charge you a 'room and board' type rate as a hotel would.

    In your case Yorick as you are undertaking some activities where injuries do occur with and some can be very severe, IMV you really should get some cover - would you be happy if your family felt they had to stump up to get you back home at great cost to them?

    Those who don't take out private medical insurance for eventualities when the EHIC won't cover them need to ask themselves one question ... who do they expect to pay for their being brought back home?
     
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  3. scotjimland

    scotjimland Funster Life Member

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    All info here http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx

    and yes to your question, it will cover accidents .. but not repatriation

    we have never taken out private medical insurance.. the EHIC does what it says on the card

    also , most private insurers demand you also have the EHIC card.. ,, now I wonder why :rolleyes:

    Frankly, if ill or in an accident.. I'd rather be in a French or Spanish hospital..

    In my experience far better health care than provided by the NHS
     
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  4. Riverbankannie

    Riverbankannie Funster

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    The EHIC will cover you for emergency ambulance and hospital treatment. My husband came off his bike in Italy and had a head injury, got fantastic treatment. Was not admitted as an in patient though. I think you would be covered for in patient treatment if necessary however, if you were to sustain a more serious injury you would not be covered for repatriation. My husband was off road at the time at Monza racing circuit.
    Info on website below.



    websitehttp://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC/Pages/about-the-ehic.aspx
     
  5. Riverbankannie

    Riverbankannie Funster

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    Sorry my reply overlapped with those above
     
  6. scotjimland

    scotjimland Funster Life Member

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    Should have mentioned.. after BREXIT .. who knows..

    but I doubt anything will change.. we will still have reciprocal agreements with most European counties
     
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  7. Yorick

    Yorick Funster

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    Maybe I should have added, I now live in Lanzarote and don't need repatriation.
     
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  8. Robert Clark

    Robert Clark Funster Life Member

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    You might need repatriation to Lanzarote
    Health insurance is a no brainier even in the EU
     
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  9. Puddleduck

    Puddleduck Funster

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    Since you live in Lanzarote have you registered as a resident? And if so don't you need the Spanish equivalent of the EHIC?

    Not trying to be funny, just a bit confused.

    I would have private insurance anyway. We do as we are kayakers - wouldn't dream of not having it to be honest. Why should anyone else pay for sports injuries when we chose to partake in the sport?
     
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  10. Tykatem

    Tykatem Funster

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    As we had before we joined the EUssr

    Pete
     
  11. Minxy Girl

    Minxy Girl Funster Life Member

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    So does that mean you are classed as a 'native' for health insurance purposes? Even if that is the case, what happens if you are injured/killed in another country where you won't be covered ... ?
     
  12. Yorick

    Yorick Funster

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    Sorry. I live here and I ride here.
     
  13. Yorick

    Yorick Funster

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    We are not residents yet, so we still need EHIC cover.

    Will be going Residencia next year, so need cover till then.
     
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  14. Yorick

    Yorick Funster

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    As above, not native yet. Only doing dangerous stuff here :)
     
  15. Robert Clark

    Robert Clark Funster Life Member

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    That's fine I understand totally
    But if you had a major accident you may be stand a better chance of survival in a UK (or maybe Spanish mainland) hospital
     
  16. Riverbankannie

    Riverbankannie Funster

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    Like @scotjimland we do not take further insurance when travelling in EU. It is not so much the cost although that is considerable £550 last time, but the hour and a half on the phone going through the considerable doctor visits/tests/ waiting for tests/ hospital visits in the last 5 years. We are unable to get annual cover and last time I was on the phone after we had just got back from 18 Holes of golf, the voice on the other end just kept saying "well can you walk 100 yards without getting out of breath". They make us feel like we should be in our graves not going out walking, cycling swimming going to the gym. I just cannot face doing it. We do have enough resources to cover worst case scenario though.
    Sorry rant over.
     
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  17. Puddleduck

    Puddleduck Funster

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    This might be even more confusing if you read the last paragraph.


    The EHIC (European Health Insurance Card), commonly known as a European Medical Card, can be used to cover any medical treatment provided by the state that you may require due to accident or illness during your time in Spain.

    But this only applies when the holder is a resident of the UK.

    Once you have become a resident of Spain you must either register for state healthcare or take out private medical insurance.

    However if, like many expats living in Spain, you make occasional trips back to the UK – or take holidays to other EU countries – you can only benefit from a similar scheme if you register with the country where you are resident.

    In other words if you are legally resident in Spain, planning a trip to the UK and wish to have your healthcare covered in the event of emergencies, then this will be provided by means of the Spanish version of the EHIC and not by an existing or old UK one which you may still have.

    The Spanish version of the EHIC is called a Tarjeta Sanitaria Europea (TSE) and allows Spanish residents to benefit from emergency medical treatment and care when travelling within the EU.

    Anyone covered by the Spanish social security system is entitled to apply for the card.

    Applications should be made at your local Social Security Office (Note: Different offices perform different functions – you should look for ‘centro de atencion y informacion de la seguridad social’ - otherwise known as CAISS.)

    Or, you can make you application online (In Spanish), by using the link HERE.

    However, one exception is those who are resident in Spain, but not paying social security subscriptions, and claiming a pension from another EU Country. Under these circumstances applications must be submitted to the UK by post.
     
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  18. Yorick

    Yorick Funster

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    Thanks, but have total confidence in hospitals here. My dad's been here 30 years :)
     
  19. Robert Clark

    Robert Clark Funster Life Member

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    Then you answered your own question
    You don't think you need it
     
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  20. Minxy Girl

    Minxy Girl Funster Life Member

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    In which case you've just answered you own question really ... as your EHIC will not cover every eventuality and, to be perfectly honest, if you are living there permanently I'm not sure you would definitely be covered by the EHIC anyway, the below extracts are taken from the links posted above:

    Important: If your circumstances change, you may lose your entitlement to a UK-issued EHIC. If you then use your EHIC abroad, you may be liable for the full cost of treatment received. You may lose your entitlement to a UK-issued EHIC when you move abroad, take up work abroad, or change your residency status.

    Living in Europe

    If you live in another EEA country or Switzerland, you will be entitled to a UK-issued EHIC if one of the following applies to you:
    • you receive a UK State Pension or exportable UK benefit and have a UK-issued S1 form (certificate of entitlement) registered in your country of residence
    • you are a worker posted to work in another EEA country or Switzerland by your UK employer, or a frontier worker living in the EEA and working in the UK
    • you are a family member of a posted worker or of someone working in the UK and you are not covered in your own right by the EEA country you reside in
    • you are a student going to another EEA country or Switzerland to study
    Even if you do qualify it won't cover things like rescue it seems, and gives the below examples:

    The EHIC is not an alternative to travel insurance. It will not cover any private medical healthcare or costs, such as mountain rescue in ski resorts, being flown back to the UK, or lost or stolen property.
     
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