Insurance Questions Answered:
Why do I need to buy travel insurance when I have a European Health Insurance Card (EHIC)?
Despite the name, EHIC is not an insurance policy! EHIC cards enable UK citizens to access free or cost reduced healthcare while travelling in Europe. However, it’s important to remember that the EHIC does not replace travel insurance.
The EHIC will give you the same rights to access the healthcare system of the country you’re staying in as a resident has, which means you will be entitled to any medical treatment that is covered as a statutory right in that country. However, these rights can vary greatly between EU countries.