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Medical Insurance Coverage for the EU

Living in the EU and Require Medical Insurance?

The extent to which a private UK medical insurance policy would cover you in the EU is dependent on the coverage the individual insurance policy you take out, as the variance in detail can be substantial.

There are some UK insurance providers who will offer their customers a fairly limited overseas coverage, subject to a number of stringent conditions. This coverage is sometimes, but not always, inclusive of any necessary repatriation costs. However, there are also providers of private medical insurance who will not offer any form of coverage for medical treatments received in the EU or overseas.

We have elaborated on a few concepts you should consider under the first of our easy to use product comparison tables below. To begin getting medical insurance quotes from providers, simply follow the links in the table.

If you think that you may require medical insurance coverage in the EU, you might want to make yourself aware of whether or not any potential policies will meet your individual requirements.

Travel Insurance
The general consensus from UK insurance providers regarding medical insurance coverage in the EU is that, alongside your UK medical insurance policy, you may want to purchase travel insurance if you were to go abroad.  This could prove to be useful in helping to cover the costs of any necessary medical treatments that you may have whilst in the EU.

Furthermore, UK residents are entitled to a free European Health Insurance Card (EHIC) which will entitle you to reduced rate, or sometimes free, healthcare when in the EU, but this should not be seen as a suitable replacement for travel insurance.

Global Insurance
If you are looking for cover on more of a long term basis, there are also medical insurance providers who will give insurance quotes for global medical coverage, with the option to purchase medical insurance for Europe.