# The GHIC / EHIC explained

> Why you should have travel insurance as well as a GHIC or EHIC. Learn more about travel insurance and the GHIC and EHIC cards.

- Canonical: https://budgetbro.app/blog/travel-insurance-ghic-ehic-card
- Published: 2026-02-03
- Author: Nathan James
- Category: Bro's Blogs
- Tags: Travel Insurance, EHIC, GHIC, Europe
- Publisher: BudgetBro (https://budgetbro.app), free AI-powered travel budgeting app

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Firstly,

## What is the EHIC?

The European Health Card is a card that the UK had when it was in the EU. It allows for healthcare between countries within the European Union and Switzerland. The UK now uses the GHIC, but if you have rights under the Withdrawal Agreement/ are an EU citizen you will continue to have this.

## What is a GHIC?

The Global Health Insurance Card, is the UK version of the EHIC, this gives you access to state healthcare within the EU should you need it.

This was implemented after Brexit. More information and details on how to apply can be found here. [GHIC - NHS](https://www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic/)

(There are scam sites, be careful to use this official site, there is no charge)

It's important to understand that these cards are not a replacement for travel insurance and having travel insurance can cover you for more medical treatments than without one. Insurance will also cover for your family flying to be with you if you're seriously ill and/or repatriation to get you home.

## If I have a GHIC or an EHIC, I don't need Travel Insurance right?

The GHIC is NOT a replacement for travel insurance. It is free to have though, and lasts for up to 5 years.

You may have to pay for treatment that a local resident would be expected to pay for in the country you're visiting, but having the GHIC can often speed up the process of being treated, and in some countries cost less than without one.

Remember to check the [UK's Foreign Travel Advice](https://www.gov.uk/foreign-travel-advice) wherever you go for up to date information on entry requirements, health and security in the country you're visiting. You can also register for email updates.

Heading to Southeast Asia? We've got a guide to the [Best Travel Insurance for Southeast Asia](https://budgetbro.app/blog/best-travel-insurance-southeast-asia-uk).

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