What to Prepare When Travelling to Europe
One of the important things you should prepare when travelling to Europe is your medical care. When you have plans to go abroad for holidays or other reasons, you should apply for an insurance, and one that is useful and easy to apply is EHIC or the European Health Insurance Card.
There are some things that you need to know regarding EHIC before travelling.
The first and most important matter to know about the European Health Insurance Card is that it won’t cost you money. You can get your card by going to the NHS website and you will get it without any cost. Be on your toes if the site would be asking you to pay the card, because then you are not on the genuine NHS site.
Another thing to learn is that not all medical treatments are always free. Yes, the European Health Insurance Card can provide you with similar level of medical care with that of a resident of that country, but will not always the case. There will be an instant like emergency dental care, that you have to pay at least a portion of the cost. In some cases, you can ask for a refund when you return home, but it is important that are prepared for some medical costs involved.
Speaking for its name, the EHIC can only be used in European countries. This means, the next time you are travelling to any country outside of Europe, this card is not applicable. It is recommended that when you travel in Europe, you also buy a travel insurance aside from having a EHIC, since this insurance will be your help when you have emergency concerns like repatriation, loss of baggage or cancellation reimbursements.
The EHIC may take care of many types of medical treatment except for medical repatriation, an example is if you are hospitalized while abroad and you need to go back to your country, the EHIC will not pay the costs.
Be aware that even if you lose your card while you are abroad, you are still covered by getting a PRC or Provisional Replacement Certificate. Your certificate will be processed by calling the Overseas Healthcare Team and give them details, and they will deliver it directly to the area where you are having your medical treatment.
Understand that the EHIC has limitations that you are not covered so this would make you get another coverage, and these limitations are in the events that you have to go back home immediately because of some emergency, or you lost your luggage, or worst you faced an accident that cause you some injuries.
During the above mentioned incidents, this is when having a travel insurance policy would come in handy aside from your EHIC.