Brexit: What will occur to European Health Insurance Cards?

Michaela Sheehan

Image caption

Michaela Sheehan, who has epilepsy, takes her European Health Insurance Card on holiday to Europe

European Health Insurance Cards let UK residents get medical caring for free, or during a reduced cost, in 31 countries.

But if a UK leaves a European Union though a deal, that will no longer be a case.

The supervision has asked all 31 countries to keep EHICs in use until 31 Dec 2020, no matter what happens with Brexit.

But usually 3 have concluded to cover UK tourists if there’s no deal.

The UK’s largest transport word provider is warning that this would meant prices will go up, generally for people with health problems.

Michaela Sheehan always takes her EHIC on holiday to Europe.

The 24-year-old, from Woking, has epilepsy.

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EHIC

Her initial seizure happened when she was a teen on a propagandize outing to France.

She remembers queuing for a float during Disneyland Paris.

The subsequent thing she knew, she woke adult in a French hospital.

She had been rushed there in an ambulance and had puncture treatment.

She explains: “It was all totally free, since of my EHIC card.”

Earlier this year she went to Majorca with a organisation of friends.

Her health condition meant that during £60, her word for usually one week was 3 times some-more costly than her boyfriend’s annual policy.

Deal or no deal

The EHIC intrigue covers a EU countries as good as Switzerland, Norway, Iceland and Liechtenstein.

British people get about £150m value of diagnosis a year, regulating a EHIC scheme.

It can be used for astonishing medical emergencies, as good as pre-existing conditions.

The supervision has done it really transparent that it wants EHIC to continue, understanding or no deal.

But so far, usually Spain has concluded to that.

Portugal says it won’t lift on with a intrigue if there is a no-deal Brexit. But it has upheld a law observant that UK tourists can still get medical as before, for now, if they uncover their passport.

There is a identical agreement with Ireland, too.

But that leaves 28 countries.

If British people need medical assistance in any of them, after a no-deal Brexit, they will possibly need to compensate or rest on transport insurance.

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Getty Images

The supervision says it is still perplexing to arrange some-more medical deals.

But a orator points out it “always advises UK adults to take out extensive transport word when going overseas, both to EU and non-EU destinations. This stays a advice”.

The Association of British Insurers says that if EHICs mostly disappears in a no-deal Brexit “insurers will fundamentally see an boost in claims costs – this could have a approach impact on a prices charged to consumers”.

Axa Insurance’s transport director, Nel Mooy, agrees: “If zero changes between now and 31 Oct and there was no deal, afterwards I’m awaiting prices to go up.”

She says there are “too many unknowns” to envision how most prices could go adult by though points out that transport word generally is not all that expensive.

She adds: “People who are not good during all already have a aloft reward and therefore anything extra, we can totally conclude that anything more, competence be some-more formidable for them to afford.”

This tallies with a government’s possess research of a reasonable misfortune box unfolding for a no-deal Brexit.

The Operation Yellowhammer request says that people could need to compensate for diagnosis in a EU and a minority of patients “could face estimable costs.”

Health experts advise that even if there is a Brexit deal, EHIC competence not continue after a transition period.

Mark Dayan, from a Nuffield Trust, says he is not “optimistic”.

He explains: “EHIC is connected to a partial of EU law that deals with giveaway transformation of people.

“The European Union doesn’t like a thought of us cherry picking usually a pieces we like.”

Advice for transport word after a no-deal Brexit

•If we have a long-term health problem, try to find transport word before we book

•See if your bank comment gives we transport word for free

•You competence need to emporium around with dilettante providers

•Give insurers as most information as probable about where we are going to

•Annual policies could work out some-more costly than shorter cover

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