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19 Mar 2021

What is Ghic and do I need to pay for it?

Despite being free, unscrupulous companies are trying to charge you to apply for a Ghic on your behalf

Now that the UK is no longer part of the EU, the old European Health Insurance Card (Ehic) will be fazed out and the Global Health Insurance Card (Ghic) will replace it.

It should allow British people access to free or reduced cost healthcare in most European countries when travelling and possibly elsewhere as well, similar to how we used Ehic pre-Brexit.

Does Ghic cost?

No. It's easy to claim it for free from the NHS.

However, when we Googled 'Ghic application' earlier this year, three of the top six results were companies attempting to charge administration fees of around £30 to provide it. Ignore those sites and apply here.

Who can apply for a Ghic?

Anyone who is a citizen of the UK, anyone who resides here and UK students going to study in the EU.

My Ehic still has time left on its expiry date, can I still use it?

Your Ehic remains valid until its expiry date, so most people do not yet need to apply for the Ghic.

It's important to be aware that the Ehic and the Ghic do not now provide cover in some non-EU countries that used to provide reciprocal healthcare to British travellers. Iceland, Liechtenstein, Norway and Switzerland aren't included in the EU deal. It's also not a substitute for a good travel insurance policy.

Why are companies charging for Ghic if it's free?

The websites charging for help with an application make various claims to justify their £30 (approximate) charge, such as checking the form is filled out correctly or fast tracking your application. However, the forms are simple to fill out and no company can fast track your application.

When we checked back in January, the first two listings were both unofficial, rip-off websites. One company - e111ehic.co.uk - even paid Google to allow it to appear at the top of the search page, above the government website.

When we pointed this out to Google it removed the advertisement and told us:

'We have strict ads policies that govern the types of ads and advertisers we allow on our platforms. Under our policy we only allow Governments or their delegated providers to advertise for official documents or services. When ads breach our policies we take action to remove them.'

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Unofficial Ghic websites still trying to cash-in

However, there's still nothing to stop these kind of websites appearing on Google without advertising. Another company, Application Advice Service UK, has set up two websites ghic.co.uk and ghiccard.co.uk, which both appeared in the first few results.

None of the websites are breaking the law as they state that it is possible to get the card for free from the NHS. But e111ehic.co.uk tries to suggest that applying from the NHS may be a 'hassle'. While the official website has received huge numbers of inquiries, there's nothing to suggest that paying a third party will help you get your card more quickly.

The rip-off website charges £29.98 to provide the card, but admits that while free cards from the NHS generally arrive within seven days, its service takes 10 to 14 days.

EHIC and GHIC explained