Many UK travellers assume a GHIC is the same as travel insurance. It isn’t. The two do different jobs, and understanding the difference could save you a lot of money if something goes wrong abroad.
What is the GHIC?
The Global Health Insurance Card (GHIC) is a free card for UK residents. It gives access to state-provided healthcare that becomes medically necessary during your stay in some countries, on the same terms as local residents. It replaced the EHIC for most people, although a valid EHIC stays usable until its expiry date. Check the official NHS website for the current list of countries.
Apply only through the official NHS site. The card is free, and copycat sites that charge a fee are best avoided.
What the GHIC doesn’t cover
- Private healthcare
- Medical repatriation to the UK
- Mountain rescue and some other emergency transport
- Cancellation or curtailment costs
- Lost, stolen or damaged baggage
- Travel delays
- Countries outside the scheme, including the USA
- Healthcare on a cruise ship
What travel insurance adds
Travel insurance covers emergency treatment (including private care), repatriation, cancellation, baggage, delays and liability. See what travel insurance covers. It can also pay costs that the state system asks you to contribute, depending on the policy.
GHIC vs travel insurance: side by side
| Feature | GHIC | Travel insurance |
|---|---|---|
| Cost | Free | Paid premium |
| State healthcare abroad | Yes, in certain countries | Often yes, plus private care |
| Repatriation | No | Usually yes |
| Cancellation and baggage | No | Yes |
| Worldwide | No | Depends on the policy region |
Do you need both?
For most trips to Europe, the sensible answer is both. Carry your GHIC and have a travel insurance policy that suits your trip. If you have medical conditions, make sure you declare them on your policy. For long-haul trips, the GHIC isn’t relevant, so insurance matters even more.
Frequently asked questions
Is a GHIC valid in the USA?
No. The GHIC is not valid in the USA, so you need travel insurance for medical costs there.
Can I use my old EHIC?
A valid UK-issued EHIC remains usable until its expiry date. After that you need a GHIC.
Does the GHIC cover repatriation?
No. Repatriation to the UK isn’t covered by the GHIC, which is one reason to have travel insurance.
Is the GHIC free?
Yes. Apply through the official NHS website and avoid sites that charge a fee.
Related travel insurance guides
- What Does Travel Insurance Cover? A Plain-English UK Guide
- Travel Insurance Excess Explained: How Much Should You Choose?
- What Is Not Covered by Travel Insurance? Common Exclusions
- How Much Does Travel Insurance Cost in the UK in 2026?
- How to Make a Travel Insurance Claim: Step-by-Step
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.