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Old 04.11.2016, 13:39
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EHIC medical insurance cards (UK)

Hello all,

Wanted to ask if any of you have had visitors from the UK here in CH who needed to use their EHIC cards? Were the cards straightforward/easy to use? Do the cards cover all medical needs, doctor visits, accidents etc.? Or is it wise to get private insurance as well as the EHIC card when visiting?

Any experience and/or advice welcome. Thank you.
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Old 04.11.2016, 13:42
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Re: EHIC medical insurance cards (UK)

EHIC doesn't cover everything (see here http://www.nhs.uk/NHSEngland/Healthc...-the-ehic.aspx) you need travel insurance.
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Old 04.11.2016, 13:46
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Re: EHIC medical insurance cards (UK)

+1 for additional travel insurance.

Just be careful that your guests declare every piddly little medical issue they have or whether they've had surgery or are on medication because the travel insurance companies are very good at dodging out of payments.

My mum takes out insurance via Saga (cos she's an old bird with a few aches, squeaks and existing conditions ) and, although it's a bit more pricey than the high street versions, the coverage is complete and it's a lot cheaper than a Swiss hospital bill.
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Old 04.11.2016, 13:48
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Re: EHIC medical insurance cards (UK)

I have used it. We had to pay the bill and then claim the money back from the place in Solothurn but it was all pretty straightforward.
It was for a fall and badly sprained ankle and they covered the A&E visit ( consult, x-rays etc), medications and strapping.
It's fine for basic emergency treatment but I would still recommend getting additional travel insurance.
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Old 04.11.2016, 17:43
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Re: EHIC medical insurance cards (UK)

A friend of mine used it last year and it was not a problem. They just showed the card at the hospital and all costs were covered. I believe that they had an admin fee to pay of around 155CHfs but were reimbursed for that by their UK travel ins.

The same applied to another friend who had to go by ambulance after a fall - the ambulance was not covered by the EHIC card but was by their UK travel insurance.
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Old 04.11.2016, 19:38
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Re: EHIC medical insurance cards (UK)

Just not sufficient imho- it covers emergencies- but nothing more. If there is a severe injury or sickness, they will only cover the 'emergency' part- but no follow-up and no repatriation, etc.
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Old 03.09.2017, 15:00
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Re: EHIC medical insurance cards (UK)

EHIC: Will your EU health card work after Brexit?

http://www.bbc.co.uk/news/uk-politic...endum-41125931
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Old 19.09.2017, 15:16
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Re: EHIC medical insurance cards (UK)

Medical insurance, not had to use te EHIC card, but I have private Travel and Accident insurance through my UK Natwest account. It is fairly comprehensive and will cover most things, so long as you spend at least 1 day per month back in the UK, you are covered.

Indeed it was generally quite comprehensive that I tussled with the Swiss authorities over the need to have Swiss medical insurance, I only lost the case when they mentioned that it didn't cover Cancer and other such conditions, but the arguments lasted long enough that I did not have to pay 6 months worth of Swiss medical insurance. Surely worth a few letters trying to prove ones point.

Having the Travel and Accident insurance has covered me for a number of things, including dental emergencies, an occasional accident and so on, so definitely worth having if you still manage the odd weekend back in the UK. Probably more useful than having the EHIC card.
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Old 19.09.2017, 15:21
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Re: EHIC medical insurance cards (UK)

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Medical insurance, not had to use te EHIC card, but I have private Travel and Accident insurance through my UK Natwest account. It is fairly comprehensive and will cover most things, so long as you spend at least 1 day per month back in the UK, you are covered.

Indeed it was generally quite comprehensive that I tussled with the Swiss authorities over the need to have Swiss medical insurance, I only lost the case when they mentioned that it didn't cover Cancer and other such conditions, but the arguments lasted long enough that I did not have to pay 6 months worth of Swiss medical insurance. Surely worth a few letters trying to prove ones point.

Having the Travel and Accident insurance has covered me for a number of things, including dental emergencies, an occasional accident and so on, so definitely worth having if you still manage the odd weekend back in the UK. Probably more useful than having the EHIC card.
So it worked out cheaper for you to take out a UK travel insurance with the condition that you fly back to the UK 12 times in the year, than it would have been to take out the cheapest Swiss basic health coverage which would have covered you MORE comprehensively?
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Old 20.09.2017, 12:22
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Re: EHIC medical insurance cards (UK)

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Medical insurance, not had to use te EHIC card, but I have private Travel and Accident insurance through my UK Natwest account. It is fairly comprehensive and will cover most things, so long as you spend at least 1 day per month back in the UK, you are covered.

Indeed it was generally quite comprehensive that I tussled with the Swiss authorities over the need to have Swiss medical insurance, I only lost the case when they mentioned that it didn't cover Cancer and other such conditions, but the arguments lasted long enough that I did not have to pay 6 months worth of Swiss medical insurance. Surely worth a few letters trying to prove ones point.

Having the Travel and Accident insurance has covered me for a number of things, including dental emergencies, an occasional accident and so on, so definitely worth having if you still manage the odd weekend back in the UK. Probably more useful than having the EHIC card.
However as your not UK resident, your not entitled to the NHS & the medical part of the Natwest cover is void as it's a requirement to be UK resident.
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Old 21.09.2017, 16:28
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Re: EHIC medical insurance cards (UK)

Don't know how you could make this comment about me as you know nothing about my personal circumstances. Besides there are 2 sorts of residence in the UK. Anyway this is just water under the bridge now, as I will be leaving Switzerland shortly.
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