Do I need a GHIC?
Checked against nhs.uk on 7 October 2026
Yes, and it's free. It gets you state hospital treatment in Europe at local prices. It isn't insurance and won't fly you home. Apply on nhs.uk only; it takes about two weeks to arrive.
Do this
- Apply on nhs.uk when you book. Any site charging a fee is a copycat.
- Get travel insurance as well. The GHIC covers none of the expensive stuff.
FreeFrom the NHS. Takes about 15 working days.
CoversState hospitals, A&E, prescriptions, at local prices.
Doesn't coverPrivate clinics, mountain rescue, being flown home, lost bags.
More detail
International students
If you live in the UK on a visa you can normally apply; the NHS checks eligibility when you do.
Card didn’t arrive in time
If you need treatment, ask the NHS Business Services Authority for a Provisional Replacement Certificate while you’re abroad.
Old EHIC
Works until the expiry date on the card.
Sources: nhs.uk: apply for a GHIC. Rules belong to the governments and airlines that set them and they change; their page is the final word.
Still not sure? Email contact@unilifeuk.com with your trip name.All questions