What is the difference between the GHIC and the old EHIC, and which one do you need for travel in 2026?
- Existing EHIC cards remain valid until their expiry date.
- New applications are now for the Global Health Insurance Card (GHIC).
- The GHIC is completely free — never pay any “processing fee”.
- It provides broadly similar access to state-provided medically necessary healthcare in the EU, Switzerland, Norway, Iceland, and Liechtenstein.
The old European Health Insurance Card (EHIC) has been replaced for UK residents by the Global Health Insurance Card (GHIC). Understanding the differences and how to use them correctly is essential for safe and cost-effective travel in 2026.
The Inheritance Logic: EHIC vs GHIC
If you already hold a valid EHIC, it continues to work until its printed expiry date. You do not need to replace it immediately.
However, all new applications and replacements are now issued as the Global Health Insurance Card (GHIC). Applications and overseas healthcare support are managed through the National Health Service (NHS) and NHS Overseas Healthcare Services.
The Fake Site Warning: The GHIC Is Free
The GHIC is completely free for all eligible UK residents.
Beware of unofficial websites that charge a “processing fee” or “application fee” — these are scams. Always apply exclusively through the official NHS website (nhs.uk) or the NHS App. Never enter your details on any other site, no matter how official it looks.
Post-Brexit Scope: What the GHIC Actually Covers
The GHIC provides broadly similar access to state-provided medically necessary healthcare in the EU, Switzerland, Norway, Iceland, and Liechtenstein on the same terms as local residents. This includes treatment for pre-existing conditions if it becomes medically necessary during your stay.
The GHIC is not travel insurance. It does not cover repatriation, private treatment, rescue services, or lost belongings.
What Is Covered vs What Is Not
Always combine the GHIC with comprehensive travel insurance that includes repatriation cover.
The Provisional Replacement Certificate (PRC)
If you lose your GHIC or EHIC while abroad, you can still access care. Call the NHS Overseas Healthcare Team on +44 191 218 1999 (or the number on your existing card) to request a Provisional Replacement Certificate (PRC).
This is a temporary document that proves your entitlement to state healthcare. Hospitals and doctors can accept the PRC while you wait for a replacement card to be issued. Requesting a PRC is quick and can prevent you from paying full private fees in an emergency.
Your 2026 GHIC Action Checklist
Before you travel
- Check the expiry date of any existing EHIC.
- Apply for a GHIC via the official NHS website or NHS App if you do not have a valid card (free and quick).
- Take both your GHIC/EHIC and travel insurance documents.
During the trip
- Present your GHIC first for state-provided treatment.
- If lost, request a PRC immediately from the NHS Overseas Team.
The GHIC is a valuable safety net for medically necessary care across the EU, Switzerland, Norway, Iceland, and Liechtenstein, but it is only one layer of protection. Pair it with proper travel insurance that covers repatriation, cancellation, and the gaps the GHIC cannot fill. Apply early, apply only through official channels, and travel with confidence.
Editorial & Accuracy Standards
- Expert Review:
Ammara Azmat,
Senior Travel Mobility Analyst (12+ years experience) - Status: Verified for accuracy against official 2026 service data and real-time traveller reports.
- Our Process: This content follows our Fact-Checking Policy.
