The GHIC card: what it covers and how to renew it
The free UK Global Health Insurance Card gives access to state healthcare in the EU. Here’s what it does, what it doesn’t, and how to renew — free.
On this page
The GHIC is genuinely useful and free — but it’s widely misunderstood as a replacement for travel insurance. Here’s the accurate picture.
What it covers
The GHIC gives you access to state-provided healthcare in EU countries on the same basis as a local resident — sometimes free, sometimes at a reduced cost.
How to get or renew one — free
There’s an expiry date on the card. Renew before it lapses, and apply in good time before travelling, as cards take a little while to arrive.
In short
The GHIC is a free card giving access to state healthcare in the EU like a local — but it’s not a substitute for travel insurance. Get it and renew it only via the official NHS service, before it expires and before you travel.
Frequently asked questions
Is the GHIC the same as travel insurance?
No. The GHIC gives access to state healthcare in the EU at the same cost as a local, but it doesn’t cover private care, mountain rescue, repatriation or trip cancellation. You still need travel insurance alongside it.
How much does a GHIC cost?
It’s free through the official NHS service. Be careful with unofficial websites that charge a ‘handling fee’ for the same free card — always apply via the NHS site.
When should I renew my GHIC?
Renew before it expires (there’s a date on the card), and apply in good time before travel — cards can take a little while to arrive. A valid EHIC may still be usable until it expires; check the NHS guidance for your situation.
Sources & last checked
- Get a GHIC or EHIC card — NHS
- Healthcare when travelling in the EU — NHS / GOV.UK
Last checked against official sources: 9 July 2026.