30

I'm 16 years old, from Lithuania, and I'll be travelling solo to London.

In the unlucky case something happens, will the needed health treatments be free? Or is advised to buy an health insurance, because otherwise I'll end up having to pay everything myself?

Giorgio
  • 35,409
  • 14
  • 78
  • 197
Petras
  • 659
  • 7
  • 11
  • 1
    NO, I mean if somehow I'll get into hospital. I don't want to pay for all the treatment there. – Petras Jun 14 '17 at 13:36
  • No, it will not be Free. But it may be covered so that you don't have to pay anything. – random_user_name Jun 16 '17 at 13:58
  • You will get emergency treatment by the NHS even if you have no money with you. The NHS is then supposed to charge you with the treatment, but many hospitals don't. If you are charged, then it's up to your own country whether they will pay a bill or not. And from July 1st 2021 everything is going to change. – gnasher729 Jun 17 '21 at 21:15

3 Answers3

46

No, as a European Union citizen you are covered by the European Health Insurance.

Just make sure you have your European Health Insurance Card (EHIC).

Oleksandr Kravchuk
  • 3,864
  • 1
  • 19
  • 21
  • 4
    That last bit is really vital. – codinghands Jun 14 '17 at 14:53
  • 49
    As long as London is in the EU. – ugoren Jun 14 '17 at 15:56
  • 2
    @ugoren The EHIC system already includes some non-EU countries, so the UK may be able to remain in it after Brexit. – Mike Scott Jun 14 '17 at 16:43
  • 21
    This is bad advice. EHIC won't cover repatriation costs, rescheduling costs (Doctor says you're too sick to fly back) etc. which can be pretty high in the worst case. Get at least minimal cover for those things still and it should be cheap because having EHIC is probably a precondition in the policy. – Flexo Jun 14 '17 at 17:24
  • 14
    @Flexo you have a good point and I upvoted your comment, but I gave no advice - I have provided him with the answer to his question, which is "will the needed health treatments be free?" Yes, it will be free. – Oleksandr Kravchuk Jun 14 '17 at 21:26
  • @MikeScott Yes it might. But let's stick to the facts and not speculate about what the future may or may not hold. – Jasper Jun 15 '17 at 09:30
  • 1
    @Jasper I was merely replying to ugoren's speculation about the future, which has had 25 upvotes. – Mike Scott Jun 15 '17 at 09:32
  • @MikeScott He's not speculating. It is a known fact that as long as the UK is in the EU, this answers holds true. You can interpret the comment to also be meant to imply that it doesn't hold true past Brexit, but you can just as well interpret it to imply that nobody knows yet whether this will be true past Brexit. At the end of the day, the comment is entirely factual, it's only the perceived implications that make it speculation. – Jasper Jun 15 '17 at 09:37
  • 6
    Brexit is at least worth mentioning, as it is an expected event that affects the long-term correctness of the answer. – chepner Jun 15 '17 at 12:06
31

You should get a travel insurance, because if something really bad happens, EHIC will not get you home, just treat you in the UK. Even if you just break a leg and get a cast, you will need a special place in the aircraft. Should you need a specialized medical flight, that is very expensive. And in case of death you need someone to pay for the transfer of your remains.

Vladimir F Героям слава
  • 1,164
  • 9
  • 11
  • 8
    Yes, don't rely on EHIC to provide for everything. Travel insurance is usually not expensive at all. But beware, that there are differences regarding the length of your stay. Depending on that, you might need different travel insurance or even require to have travel insurance. – 8192K Jun 14 '17 at 15:35
  • 2
    Travel insurance will also cover cancellation costs if you get ill before you leave, and of course it also covers things like losing your money or passport. – Michael Kay Jun 14 '17 at 15:41
  • 2
    If you get travel insurance, don't forget to read the policy. It might well be the case that the insurance company requires you to (or will reduce your excess if you do) use EHIC coverage where possible, and in the UK that should be true regarding virtually all emergency medical care. – origimbo Jun 14 '17 at 17:09
  • @origimbo that would go without saying. No insurer will pay a claim that a superior insurer is responsible for, and there's a pecking order to that. For instance in the States in an auto accident, "at-fault driver's auto insurance" > your auto insurance > your health insurance. The overhead of sorting this helps make our care expensive. – Harper - Reinstate Monica Jun 15 '17 at 20:15
  • In some cases the travel insurance will also require you to have a EHIC and carry that with you. That's the case for the UK, not sure if it's the same elsewhere. – Shaun McDonald Jun 16 '17 at 14:09
  • probably cheaper to pay for a train back to the mainland that a special flight, but might as well get some cheap insurance then you'll only have to pay an excess or no excess if you pay a bit more for the insurance. – BritishSam Jun 16 '17 at 14:16
  • @Harper see the comments above – Vladimir F Героям слава Jun 16 '17 at 15:27
  • @SamJones medical transfer in condition that requires a special flight on a train? – Vladimir F Героям слава Jun 16 '17 at 15:28
  • @VladimirF if you had a broken leg youd probably want an extra leg room seat and maybe need a new flight for that, tbh i think a flight operator would give it you out of curtesy. I only take travel insurance out for mainland europe for my possessions – BritishSam Jun 16 '17 at 20:08
18

Update - the UK has now left the EU, and all specifics of this answer w.r.t. EHIC cards and EU citizen access to the NHS is likely incorrect. I'm leaving the article since some of the arguments are unchanged, but the argument for health insurance is probably much stronger. (But you still won't be left to bleed to death while somebody tries to check your insurance status).

Provided you are an EU citizen with an EHIC (essential!) , then the UK is one of the better places to be without health insurance for "something really serious". You will get emergency treatment from being carried into a (free) ambulance until you are able to walk (or limp) out of the hospital, and you won't have to pay anything for it. You probably couldn't find better treatment privately, if you needed treatment within minutes to save your life. You certainly won't be left bleeding to death while somebody tries to check your insurance status.

On the other hand, our health service is creaking badly, and non-emergency treatment is effectively rationed by making it slow and cumbersome to obtain. So if you just sprain or maybe-break a wrist or ankle, it will cost you a considerable amount of time (= lost holiday? ) to get it checked out and bandaged up. With health insurance you could probably get it checked out and patched up faster and be back to enjoying yourself to whatever extent you are still able. You might also get better treatment.

Also our health service won't pay for the travel back home if you want to return early or miss your booked flight while in hospital. Neither will it pay for extra days in a hotel. So if you could overstay and be looked after by family or good friends, relying on the NHS alone may be OK. If you are on a limited budget and staying in hotels, then I'd strongly recommend insurance. For a 16-year-old with no pre-existing health issues, it should be pretty cheap. (It wasn't particularly expensive for this 59-year-old with declared medication for hypertension, visiting the EU).

Also, travel insurance should reimburse you for your wasted bookings, should something cause you to have to cancel your trip. Your illness, or that of a relative you were going to stay with or who you suddenly need to care for back home. (Some policies have more exclusions than others on this front, read carefully!)

nigel222
  • 584
  • 2
  • 6
  • 1
    How would a travel insurance help the OP to get treatment faster? Do they have a special queue in UK hospitals for people with travel insurance? – Dmitry Grigoryev Jun 16 '17 at 10:45
  • 1
    There's no special queues in UK hospitals for people with travel insurance, everyone is treated in priority order. If you know the travel insurance company, they may direct you to a different private clinic, however most hospitals (especially emergency departments) are provided through the NHS (public sector). – Shaun McDonald Jun 16 '17 at 14:14
  • We have indeed now left the EU, so treat this answer as seriously out of date. – nigel222 Jun 17 '21 at 11:10
  • @nigel222 Do you intend to edit the answer to reflect the post-Brexit state of affairs, or would you prefer if somebody else posted a brand new answer? – TooTea Jun 17 '21 at 12:37
  • I mean, most of the answer is still perfectly valid, the EHIC continues to cover for emergency healthcare in the UK. See https://ec.europa.eu/commission/presscorner/detail/en/qanda_20_2532 (scroll down to "What provisions are there for healthcare?") – TooTea Jun 17 '21 at 12:41
  • @tooTea I'm no longer well-informed. Feel free to contribute something up to date. – nigel222 Jun 17 '21 at 12:49