During a stay in Europe, your European Health Insurance Card (EHIC) is important to cover your health care on site, but it remains insufficient. Explanations.
What is the European Health Insurance Card (EHIC) used for?
The European Health Insurance Card (EHIC) allows you to benefit from public medical care in the event of unexpected illness or accident in Europe, under the same conditions and at the same prices as nationals of the host country.
It also allows you to receive appropriate medical care for any pre-existing illness, or one that requires special monitoring, such as diabetes.
How to apply for your EHIC?
The EHIC request can be made as follows:
- By internet via your Ameli account;
- By telephone on 36 46 from France or on +33 811 70 3646 from abroad;
- Via the Ameli mobile application for iOS or Android;
- On site, at your insurance fund.
Using your EHIC in Europe
The EHIC is valid throughout the European Union, Iceland, Liechtenstein, Norway and Switzerland.
It only covers you for unforeseen and medically necessary careduring the temporary stays.
Treatments received may be free or chargeable. If the care is paid for by the country’s insured, it will be the same for you. You will have to pay all costs and request reimbursement when you return.
The EHIC covers the reimbursement of health costs on the basis of the convention tariffs. Depending on the act of care, the costs will be reimbursed to you on the basis of the conventional French rate. This system is not very advantageous because the reimbursement rates vary from one country to another.
In some popular destinations, the EHIC may be refused. Before you leave, make sure your card is accepted.
The EHIC may be sufficient for basic medical care. On the other hand, health costs could quickly become expensive in the event of hospitalization!
Your card cannot cover you for:
- Non-emergency treatments
- Private medical care
- Repatriation in the event of death
- Lost or stolen baggage
Using your EHIC outside Europe
For any medical emergency in a non-European country, the EHIC is not valid.
Abroad, medical costs can reach hundreds of thousands of euros. For example, an appendectomy with 5 days of hospitalization will cost you 3500€ in Thailand, 45.000 in the USA and 9200€ in Mexico.
Travel insurance therefore remains the safest solution. Before traveling outside Europe, it is important to take out international health insurance, with an appropriate level of cover.
See as well : the reality of medical costs in the United States
What if I forgot to bring my EHIC?
If treatment becomes medically necessary during your stay in Europe but you do not have an EHIC, you will have to pay the bill and request reimbursement when you return. Be sure to keep all prescriptions, receipts and paid bills to provide to your Social Security.
WorldPass: the insurance that covers you anywhere in the world
To travel serenely in Europe and the rest of the world, you can subscribe to a health insurance contract abroad
HEYME WorldPass offers worldwide coverage! Whichever option you choose, it is:
- 100% reimbursement of the actual costs of health expenses,
- full coverage in the event of hospitalization,
- repatriation assistance
- baggage insurance
- liability insurance
- a legal assistant
To meet the requirements of American universities, HEYME has developed special offers adapted to students moving to the United States.
In just a few clicks, find THE formula that suits you, subscribe online and take advantage of full coverage to enjoy your stay in complete peace of mind!
For more information, you can visit our website HEYME WORLD PASS.
You pay up to 30,000 euros for hospitalization in Montreal. Your WorldPass insurance can cover you for 100% of the actual costs. It can also, in case of emergency, organize your repatriation and take care of all the necessary procedures.
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