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Will the EHIC pay all my medical bills if I have a ski accident?

The short answer is "No"


The EHIC, or to give it its full title, the European Health Insurance Card, does not mean you get all your medical bills paid overseas. What it means is that within the EU you will get the same state treatment as is normal in that country. And believe it or not our NHS is far more generous than most EU countries.

 

Assuming you are skiing in the French Alps then with your EHIC you will get standard French state medical treatment. This means that you get only 80% of the bill paid. So you will be left paying 20% of the bill.

 

Although Switzerland is not an EU member they do recognise the EHIC, but you still have to pay a contribution to all your costs as you would in France.

 

With Italy and Andora the rules are different with different contributions paid towards your care.

 

But the expense doesn’t end there.

 

Without travel insurance you will probably find you have to pay for medical evacuation from the mountain if you have a ski accident and you will have to make and pay for any special flight arrangements needed to get you home. So it would be quite expensive.

 

But there is worse. In your injured or ill state you may find that you do not end up in a state hospital but a private clinic having been transported by private ambulance. If this happens you will have to pay the full cost which could run into hundreds of thousands of pounds for a serious injury or illness.

 

As the NHS Direct website makes very clear, "The card is not an alternative to travel insurance. It will not cover any private medical healthcare or costs, such as mountain rescue in ski resorts, being flown back to the UK, or lost or stolen property. This makes it important to have both an EHIC and a valid private travel insurance policy. "

 

So in a nut shell you still need travel insurance even with the EHIC and don’t forget to ask for "winter sports cover” to make sure you are fully protected.

This product is provided to Travel Insured by goodtogoinsurance.com who are appointed representatives of Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.471641 By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by goodtogoinsurance.com where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..


If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail

click here to obtain an online quote

This product is provided to Travel Insured by Ancile Insurance Group Ltd who are authorised and regulated by the Financial Conduct Authority - no.471641. By clicking the box at the foot of this page, you will be taken to our dedicated travel insurance site provided by Ancile Insurance Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of someone who wishes to insure their trip away from their home for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

This product is provided to Travel Insured by Ace European Group Ltd who are authorised and regulated by the Financial Conduct Authority – no.202803. By clicking the box at the foot of this page, you will be taken to our dedicated business travel insurance site provided by Ace European Group Ltd where you will be able to get a travel insurance quotation and view full policy information. The quotation you will obtain is provided on a non advised basis which means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. Contact us if in doubt or if you require advice.

This insurance would meet the demands and needs of a business which wishes to insure business trips away from the UK for cancellation costs, medical expenses and other specific risks required for that trip according to their individual circumstances..

If you experience any problems when using the site, contact
us on 0845 850 1066.

I have read and understood the above detail.

click here to obtain an online quote

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Travel Insured is a trading style of Manor Insurance Services Ltd, registered office 93/97 Bohemia Road, St Leonards-on-Sea TN37 6RJ Company registration number 4824667.
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