Yes, if you’re travelling in the EU you should get and take a GHIC (or a valid EHIC), because it can reduce state healthcare costs and may mean you do not have to pay the medical excess on a claim if your costs are reduced.
What a GHIC is used for:
- It helps you benefit from reciprocal health agreements (for example, by using public hospital treatment in the EU).
- A UK-issued EHIC is still valid until it expires and can be used instead of a GHIC.
How it can affect your travel insurance claim:
- If you show your GHIC/EHIC when receiving medical treatment in the EU (and Switzerland where the card is valid) and your medical costs are reduced, the medical excess on your policy may be waived.
What to do before you travel:
- If you do not already have one, apply for a GHIC before you travel (you can apply at ghic.org.uk).
- Take your GHIC/EHIC with you.
- If you need inpatient treatment in an EU country, attend a public hospital and present your GHIC/EHIC.
- If you cannot present it, cooperate with the medical assistance team to obtain one.