Getting ready for your studies abroad. Will my EHIC cover be enough?
First things first: What is the EHIC? The EHIC, or European Health Insurance Card, offers you access to healthcare during a temporary stay in any European country (27 countries plus Iceland, Liechtenstein, Norway, Switzerland and United Kingdom). With the EHIC you’ll be under the same conditions and cost as people insured in that specific country. But, is this enough? Travel insurance fills in the gaps, providing you with comprehensive coverage for medical and travel emergencies that may not be covered by your EHIC.
EHIC vs. Travel Insurance
Your EHIC is great for accessing necessary healthcare services in the EU and associated countries, but it may not cover everything, and it varies depending on the country you’re in. For instance, it might not include certain types of specialized care or emergency repatriation. Your travel assistance insurance complements the EHIC, ensuring you’re covered for a broader range of medical and travel-related incidents, such as unexpected illness, cancellations, lost luggage, and more.
Important facts about the EHIC:
- It is not an alternative to travel insurance. It does not cover private healthcare or any cost such as return flights to your home country or lost/stolen property.
- It does not cover your costs if you are traveling just for the purpose of obtaining medical treatment.
- It does not guarantee free services. Each country’s healthcare system is different, so some services that may be free at home, might not be free in another country.
Understanding Your Coverage
Your travel assistance insurance provides extensive protection, including services beyond what your EHIC or private health insurance might offer. It’s designed to enhance your existing coverage, giving you peace of mind throughout your travels. With your travel assistance insurance, you can expect coverage for unforeseen events like trip interruptions, emergency evacuations, and coverage for legal defense and private liability, among others.
Ensuring a Worry-Free Erasmus Experience
Choosing the right insurance is crucial for a seamless Erasmus journey. Your travel insurance offers peace of mind, covering a wide array of medical expenses and travel emergencies. It ensures that you have access to the best possible care, regardless of where you are. Whether you need to visit a doctor for a twisted ankle or require hospitalization for a more serious condition, your insurance has you covered.
In addition to medical coverage, your travel insurance provides financial protection against other travel-related risks. This includes coverage for:
- Lost or stolen passports
- Personal liability in case of damages
- Even legal assistance if needed
By covering a wide spectrum of potential issues, your travel insurance makes sure that you can focus on your studies and enjoy your Erasmus experience without worrying about the ‘what-ifs’.
Your peace of mind is our priority, and with OnCampus Abroad, you can embark on your educational adventure knowing that you’re fully protected. Remember, while your EHIC is a valuable card to have, it’s the comprehensive coverage of travel insurance that will give you the ultimate security and comfort during your travels.
