If you are traveling from the United Kingdom, one of the first things that you should do is secure travel insurance before your trip. This will allow you to rest assured knowing that any emergency medical needs will be taken care of if they arise during your stay.
However, there are many different options out there when it comes to travel insurance coverage, so how do you know which plan will provide you with the greatest value? Read on to learn everything you need to know about NHS discount travel insurance and why you should get it now!
How does NHS medical card travel insurance work?
The NHS medical card travel insurance is designed specifically for individuals who hold a valid National Health Service (NHS) medical card. The purpose of this insurance is to provide private healthcare coverage at a reduced cost.
There are no restrictions on any country you can visit, and there are no limitations on what the treatment will be for. If you happen to need dental work or an eye exam, it will be covered by your plan as well. If you have a pre-existing condition that requires ongoing treatments, then those treatments will also be covered.
The only restriction to accessing care under this type of coverage is that it does not include access to repatriation from countries outside the European Union or EEA area, including Switzerland. To avoid any complications when traveling abroad, we recommend adding supplemental coverage such as Worldwide Medical Assistance.
Do I need an EHIC card for overseas treatment?
You may be eligible for an EHIC card if you are a British citizen, or have the right to live and work in the UK. However, if you are not eligible, or your circumstances change while abroad, you will need private travel insurance too. You must check with your insurer before traveling if there are any changes in your details that might affect your cover.
The NHS recommends arranging some form of health insurance for any holiday over six weeks. Whether you’re buying a policy from a company like Ageas or World First, it’s worth noting that most policies include medical assistance as a standard that can help provide peace of mind when away from home.
Are there any catches with the UK government’s offer?
The offer is only valid for two years, so make sure you buy your travel insurance before the offer expires. The NHS is not an insurer and will not be on your side if you need to make a claim. One of the best things about this deal is that it covers all UK citizens traveling within Europe and the European Economic Area.
The downside of this deal is that it does not cover trips outside of these areas. If you’re heading overseas in the next few months, take advantage of this opportunity. If not, compare other offers from trusted providers online like Allianz Global Assistance or AIG Travel Guard which may include coverage for destinations outside Europe.
What else do I need to know about applying?
A lot of people are unsure about what information they will need when applying for their NHS travel insurance and how much it would cost. So, here is a breakdown of everything you need to know about NHS discount travel insurance:
-What is an NHS card?
An NHS card is the National Health Service (NHS) identification number that all citizens in the United Kingdom are given at birth.
-How do I get my card? – If you’re 18 or over and have been living in England, Scotland, or Wales for more than six months then you already have an NHS number.
-If your birthday is before July 1948 then contact your GP practice who can tell if you have one by asking for your full name, date of birth, and postcode.
-If your birthday is after June 1948 but before July 1954 then there may be records from the time of your birth, so ask a relative or older family member if this applies to you.
-If your birthday is after June 1954 but before November 1968 then there may be records from school when you got an ID number, so ask them for confirmation that this was indeed an NHS number and that it’s still valid.
-If your birthday is after November 1968 then ask a healthcare professional such as the doctor or dentist where you last registered with them.
-In cases where you cannot find any proof of your NHS number, call the NHS helpline on 111 which should be able to give you some advice on what next steps to take.
When can I use my NHS medical card abroad?
If you are an NHS medical card holder, then you can use your card abroad in the European Economic Area (EEA) and Switzerland. As an NHS medical card holder, you will be eligible for free or low-cost emergency treatment in these countries.
However, if you have been living outside of the UK for more than six months, then it is advised that you purchase travel insurance as well. It’s important to note that EEA covers the 28 member states of the EU plus Iceland, Liechtenstein, Norway, and Switzerland but not any other country so do check before traveling.
The right type of travel insurance may not cover a trip back home if you’re traveling for more than three months. I also recommend checking with your bank about any types of credit cards they offer that may offer some form of travel protection.
A common benefit is being able to claim flights and hotels for up to £500 if you need to cancel them due to something happening at home such as an illness. In terms of what providers there are, don’t just go for the cheapest option! What people often don’t realize is that cheaper policies usually only include essential benefits such as ambulance costs and repatriation.
Can I claim on my family member’s card if they don’t need it themselves?
Yes, you can claim on your family member’s card if they don’t need it themselves. However, any cards with the same name must be related by blood and/or marriage. For example, you cannot use your father’s card for a family member of the same first name.
Additionally, you cannot use a spouse’s card for someone who is not related by blood or marriage. Before I buy travel insurance, what should I do?: Before you purchase travel insurance from NHS, we recommend that you consult with your doctor before making a decision.
The most important thing to consider when purchasing this type of coverage is where in the world you’re going, as some countries require that visitors have specific immunizations before entering.
How much does NHS Discount Travel Insurance cost? Prices start at £3 per day: The price starts at £3 per day depending on how many days of coverage are needed.
What are the eligibility rules and what documents do I need to apply?
To be eligible for NHS discount travel insurance, you must meet certain eligibility requirements and have an NHS-issued photo ID. To apply, just follow these simple steps:
1) Fill out the online application form
2) Upload a copy of your most recent photo ID
3) Sign the declaration of truth
4) Complete the payment process
5) Receive your confirmation email.
A health card from another country will not suffice as proof of NHS entitlement. If you’re not eligible for NHS-issued discounted travel insurance, don’t worry! Your entitlements will depend on where in the world you are traveling from.
When should I buy my NHS medical card cover?
- When is the NHS medical card valid for? The NHS medical card is valid for several years, but you can buy it up to 12 months in advance.
- What’s the cost of an NHS medical card? The cost of an NHS medical card varies depending on which package you choose. They range from £10.50-£25 per year (or £9-£18 if you’re aged 18 or under). Text: What benefits do I get with my NHS medical card?:
- Free prescriptions, dental care, and eye tests
- Where do I need to show my NHS medical card when I use it? You’ll need your photo ID and your NHS Medical Card when you go to access any of these services.
- Is there an online application process for the NHS medical card? No, you’ll have to fill out a paper application form that’s available at most pharmacies, GP surgeries, and some libraries.
- How long does the whole process take? It takes around four weeks once you’ve applied before your NHS medical cards are ready to be collected. After that, you’ll need to carry them with you as proof of eligibility.
What are ‘travel packages’ and how much will they cost me?
The NHS offers a range of travel packages that can include flights, accommodation, and medical insurance. These packages will generally cost you more than if you book these elements separately, but they are an excellent option for people who want the peace of mind of a package deal.
Keep in mind that every traveler’s needs will be different, so do your research before signing on the dotted line. To start with, make sure you know exactly what each package includes by looking at the small print of any offer you’re considering. Read through customer reviews and testimonials to help figure out which company is best for you, as this will come down largely to your individual preferences.