Maximizing Family Travel Safety: The Dual Benefits of EHIC and Travel Insurance

Apr 19
14:35

2024

Lisa Jeeves

Lisa Jeeves

  • Share this article on Facebook
  • Share this article on Twitter
  • Share this article on Linkedin

Combining the European Health Insurance Card (EHIC) with comprehensive family travel insurance ensures unparalleled medical and financial security during your European travels. This dual approach not only enhances access to medical care but also optimizes cost-efficiency and peace of mind.

Understanding EHIC and Its Benefits

Introduced in 2006,Maximizing Family Travel Safety: The Dual Benefits of EHIC and Travel Insurance Articles the EHIC allows travelers from the European Economic Area (EEA) and Switzerland to access state-provided healthcare during temporary stays at reduced costs or sometimes for free, similar to the treatment that residents of the country receive. This card is particularly beneficial in countries where private healthcare costs can be prohibitively expensive.

How to Apply for EHIC

EHIC is freely available through official channels like the NHS website. It's crucial to avoid unofficial websites that may charge for the card.

Coverage Details

EHIC covers treatments that are medically necessary until your planned return home. This includes treatment for pre-existing medical conditions and routine maternity care, as long as you're not going abroad to give birth.

The Role of Family Travel Insurance

While EHIC provides necessary medical treatments, comprehensive family travel insurance covers aspects beyond the scope of EHIC, such as:

  • Medical repatriation
  • Private healthcare facilities
  • Lost or stolen property
  • Trip cancellations or interruptions

Why Both Are Essential

Relying solely on EHIC can be risky. For instance, EHIC does not cover private medical healthcare, ongoing medical treatments, or non-urgent treatment. Family travel insurance fills these gaps, ensuring that you are covered for a broader range of potential issues, including emergencies that require repatriation.

Statistical Insights and Real-World Application

According to a survey by the European Commission, only 40% of Europeans are aware that the EHIC is free of charge. Furthermore, a study by the European Travel Insurance Group in 2021 revealed that travelers with both EHIC and private travel insurance experienced a 50% reduction in out-of-pocket medical expenses compared to those with only one form of insurance.

Reduced Excess Costs

Many insurance providers offer reduced excesses on claims if the policyholder has an EHIC. This can significantly lower the financial burden in the event of a claim.

Conclusion: The Best of Both Worlds

The combination of EHIC and family travel insurance provides a comprehensive safety net for families traveling within Europe. While EHIC allows access to necessary state-provided medical care, travel insurance covers additional risks, ensuring that your family’s health and financial well-being are protected. This dual approach not only saves money but also provides peace of mind, allowing you to enjoy your travels fully.

Remember, while EHIC is a valuable resource for necessary medical treatments, it does not replace the need for comprehensive travel insurance. Together, they ensure that you are well-prepared for any situation that might arise during your travels.