healthcare considerations when moving abroad

The healthcare system in many countries differs greatly from that of the UK, with many providing very limited access to free healthcare for nationals let alone visitors or people moving there. The situation within the EU is slightly different in that most member countries do provide some sort of reciprocal treatment but only when treatment is received in a state facility. This in itself can be problematic as the state facilities may not be local to where you are and very doubtful they will be able to provide you with English speaking doctors or nurses.

Even if treatment is received in a state facility, there may well be some cost to the patient depending where you are. For example, you can see a state doctor in Austria and not have to pay to see him (although you will be charged a fixed fee for any medication needed) whilst in Jersey you will have to pay to see the doctor and any medication that is prescribed.

For those countries within the EU that have a reciprocal agreement it will be necessary for you to present at the time of the treatment your European Health Insurance Card (EHIC). The EHIC has replaced the old paper style E111, which used to be available at the Post Office. The EHIC is simple to obtain. The easiest way to apply is online at https://www.ehic.org.uk/Internet/home.do  

Each family member (including children) will need their own EHIC and it is important to show this to the doctor or hospital before treatment is commenced otherwise you may have to pay as a private client.

Another option to consider to ensure you and your family are covered in the event of an emergency is to purchase insurance. The exact type of insurance will depend on your individual circumstances and whether you are moving permanently or staying for a certain period. Normal travel insurance may not provide the necessary degree of cover as many policies contain a maximum trip duration that can be as low as 17 days any one trip. Whilst long stay travel insurance is available if you are staying abroad permanently, it may provide many areas of cover that are not necessary or applicable and therefore be an expensive option.

If your move is permanent the best option may be purchasing international private medical insurance, however to ensure you are fully covered make sure all pre-existing medical conditions are declared to the insurer.

Even for travel within the EU, we would still recommend you purchase good travel insurance as the EHIC will not cover you for any cost in repatriation to the UK. Should that be necessary (and without insurance), you will not have any cover for cancellation, baggage, missed departure or personal accident.

To find out more about the topics above, please contact Julie Remmington in our Personal Injury team on 023 8085 7318 or email julie.remmington@bllaw.co.uk.