European Health Card (EHIC): The Ultimate Guide
The European Health Insurance Card (EHIC), often referred to as the European health card (EHIC), is a crucial document for anyone insured by or covered by a statutory social security scheme in the European Economic Area (EEA) countries, Switzerland, and the United Kingdom. This card ensures that during a temporary stay in another member state, you can receive medical treatment under the same conditions as residents of that state, either free or at a reduced cost. This guide will delve into the benefits, coverage, application process, and more to help you understand everything about the EHIC.
Introduction
Traveling across Europe for work, study, or leisure is common. However, health emergencies can occur anytime, and being unprepared can be stressful and expensive. The European health card is designed to alleviate such concerns by providing access to necessary medical care when you’re abroad. Whether it’s an unexpected illness, an accident, or the need for continued treatment for a chronic condition, this card ensures you’re covered.
Benefits and Coverage of the European Health Card
The EHIC offers extensive benefits, ensuring that you receive essential medical care during your temporary stay abroad. Let’s explore the various aspects of its coverage:
1. Essential Medical Care
The primary benefit of the European health card is access to essential medical care in the host country. This includes:
- Consultations with General Practitioners: If you fall ill during your stay, you can visit a local doctor and receive treatment.
- Emergency Services: In case of emergencies, you can access hospital services without worrying about the high costs typically associated with emergency care.
- Medication: You can purchase prescription medicines at the same subsidized rate as locals, ensuring continuity in treatment.
2. Chronic or Pre-existing Conditions
For those with chronic or pre-existing conditions, the European health card is invaluable. It allows you to continue receiving necessary treatment abroad, such as:
- Kidney Dialysis: Patients requiring regular dialysis can arrange for sessions in advance at a local facility.
- Oxygen Therapy: Necessary oxygen treatments can be provided.
- Specialized Consultations: Ongoing care for chronic conditions like diabetes or asthma is covered.
3. Pregnancy and Childbirth
Pregnant women can also benefit from the (EHIC). It ensures access to prenatal care, emergency childbirth services, and necessary postnatal care. This is particularly beneficial for expecting mothers who need to travel during their pregnancy.
4. Accidents and Sudden Illnesses
The card covers medical treatment for any accidents or sudden illnesses that occur during your stay. Whether you sprain an ankle hiking or catch the flu, you’re covered.
When Can I Use the European Health Card?
The European health card is intended for temporary stays in a member state. Here’s when you can use it:
- Short Trips: Business trips, vacations, or short-term study programs.
- Temporary Work Assignments: If you’re posted abroad for a short period.
- Family Visits: When visiting family members living in another EEA country, Switzerland, or the UK.
Important Note: The EHIC is not meant for planned medical treatments abroad. For such cases, prior arrangements and approvals are required.
Who Can Apply for the European Health Card?
In Portugal, individuals who legally reside in the country and meet specific criteria can apply for the EHIC. Here’s a detailed look at who can apply:
1. Beneficiaries of Social Security
This includes:
- Workers: Both employed and self-employed individuals.
- Pensioners: Those receiving retirement benefits.
- Unemployed People: Individuals who are registered with the social security system.
- Families of Workers and Pensioners: Spouses and dependent children.
2. Beneficiaries of Public Health Subsystems
People who are part of specific public health subsystems in Portugal can also apply.
3. Beneficiaries of Private Health Subsystems
Individuals covered by private health subsystems are eligible for the European health card.
4. Users of the SNS (National Health Service)
Those who use the SNS but are not linked to Social Security or any health subsystem can apply.
5. Individuals Registered with Voluntary Social Security
People who have chosen to contribute to Voluntary Social Security can apply.
6. Workers Posted Abroad
Employees sent on temporary assignments outside Portugal can apply for the European health card to ensure they are covered during their stay.
7. Former Workers Abroad
Pensioners who have returned to Portugal after working abroad can apply.
8. Children and Young People
Each family member, including children and young people, must have their own individual European health card.
How to Get the European Health Card
Obtaining the (EHIC) is a straightforward process, and you have the option to apply either online or in person. Here’s how:
Online Application
To apply online, follow these steps:
- Visit the Social Security Website: Go to the Segurança Social Direta website.
- Log in: Use your Social Security number (NISS) and your digital mobile key to log in.
- Complete the Application Form: Fill out the European Health Insurance Card Application Form.
- Submit: Submit the form and wait for confirmation.
Alternatively, you can use the Social Security + Próxima app, available on both Android and iOS platforms.
In-person Application
If you prefer to apply in person, you can do so at:
- Social Security Service Desks: Visit your nearest service desk and submit your application.
- Citizen’s Stores: These are convenient locations where you can access various public services, including applying for the (EHIC).
- Regional Social Security Institute Offices: Residents of the Azores and Madeira can apply at the respective offices.
Necessary Documents
To apply for the European health card, you need:
- Your Social Security Number (NISS)
- European Health Insurance Card Application Form
Processing Time
After submitting your request, the European health card will be mailed to your address within 5 to 7 working days. If you need to travel within 10 days and haven’t received your card, you can request a Provisional Replacement Certificate (CPS). This certificate serves as a temporary card for up to 3 months and provides the same benefits.
Expiry Date and Renewal
The European health card is valid for 3 years. To renew it, follow the same procedures as the initial application, ideally within 30 days before the expiration date. If urgent, renewals can be requested before the card’s validity ends by specifying the full card number.
Examples of Using the European Health Card
Example 1: A Business Trip to Germany
Maria, an engineer from Portugal, had to travel to Germany for a week-long business trip. Unfortunately, she fell ill with a severe cold during her stay. Using her European health card, Maria was able to visit a local doctor and get the necessary treatment without worrying about high medical fees. The consultation and prescribed medications were provided at the same reduced cost as for German residents.
Example 2: Vacation in Spain
João, a Portuguese retiree, planned a month-long vacation in Spain. While hiking, he slipped and fractured his ankle. Thanks to his European health card, João received immediate medical attention at a nearby hospital. His treatment, including X-rays and a cast, was covered just like it would have been for a local Spaniard. João’s EHIC ensured his medical expenses were minimal, and he could enjoy the rest of his vacation without financial stress.
Example 3: Continuing Treatment Abroad
Ana, a diabetic, had to attend a short-term language course in France. Concerned about her insulin needs, she contacted local health services in advance using her European health card. Ana was able to continue her insulin treatment seamlessly, as the local pharmacy provided her medication at a subsidized rate. The (EHIC) ensured Ana’s chronic condition was managed effectively during her stay.
Frequently Asked Questions
Can I use the European health card for planned medical treatments abroad?
No, the EHIC is intended for emergency and necessary medical treatments during a temporary stay. Planned medical treatments require prior arrangements and approvals.
What if I lose my European health card?
If you lose your EHIC, you can request a replacement. If you need immediate coverage, you can also apply for a Provisional Replacement Certificate (CPS) which provides the same benefits.
Is the European health card valid worldwide?
No, the EHIC is valid in the EEA countries, Switzerland, and the United Kingdom. It does not cover medical treatment outside these areas.
Can children and young people apply for their own European health card?
Yes, each family member, including children and young people, must have their own individual EHIC.
How can I renew my EHIC?
To renew your EHIC, follow the same procedures as the initial application. Ideally, apply for renewal within 30 days before the expiration date.
Additional Resources
For more information, you can visit:
Conclusion
The European health card is an essential document for anyone traveling within the EEA, Switzerland, or the UK. It ensures access to necessary medical care during a temporary stay abroad, providing peace of mind and financial protection. By understanding the benefits, coverage, and application process, you can make the most of this valuable resource. Whether you’re planning a short trip, a business visit, or need ongoing treatment for a chronic condition, the EHIC is your ticket to hassle-free healthcare abroad. Ensure you have your card ready and travel with confidence, knowing that you’re covered.
Also Read: Apply for an SNS Number in Portugal “numero de utente”