European Health Insurance Card

The European Health Insurance Card (EHIC) replaced the old E111 in 2006. Everyone who lives in the UK is entitled to one and it's completely free of charge. Don't fall into the trap of paying a company to get one for you.

The EHIC gives you access to the same state-provided healthcare you would receive if you were a resident in the European country you're visiting. However, some countries also expect patients to pay towards their treatment, so even if you have an EHIC, you may be required to do the same.

You should be able to claim these costs back from your travel insurance. The other advantage of the EHIC is that many travel insurers will waive the excess – the first part of a claim that you have to pay – if you've used your EHIC.

Although it's well worth applying for, an EHIC shouldn't be used instead of travel insurance as it won't provide as much cover. It will only cover you for the basics and it certainly won't pay for extras such as an air ambulance, repatriation to the UK or other travel-related difficulties such as lost or stolen luggage.

The card is valid for up to five years and the scheme only operates in the EU, the European Economic Area countries and Switzerland. So if you're travelling to another part of Europe or anywhere else in the world, you won't be able to use your card.

You can apply online for a card or ring 0845 606 2030 for a form.