No need to pay on the spot with your EHIC
When you present your European Health Insurance Card (EHIC), healthcare providers in other countries know that the invoice will be paid by CZ. It is sent directly to us, meaning that, in most cases, you do not have to pay the invoice up front and claim the costs back later. The front of the card is identical to a regular CZ healthcare card, but the back is blue, making it easy to identify.
Equal treatment for foreigners
Treatment is provided on the same basis as it would be to a resident of that country. Imagine, for example, that you suddenly need treatment in France; the costs of this treatment will not be set off against any outstanding deductible you have in the Netherlands. If a personal contribution applies, you will need to pay this yourself. You can submit a claim to us for these costs, as they may be covered under an additional insurance package or your travel insurance.
Validity of the EHIC
The European Health Insurance Card is valid for up to five years, and you may use it for as long as you are insured with us. If you are no longer insured with us and you use the EHIC anyway, you will be required to repay us for the costs incurred. The EHIC is strictly personal, meaning you cannot lend the card to someone else.
Countries that accept the EHIC
You can use the EHIC in Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus (the Greek part), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, North Macedonia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the United Kingdom. The healthcare card can also be used in: the Azores, the Canary Islands, Ceuta, French Guyana, Gibraltar, Guadeloupe, Madeira, Martinique, Mayotte, Melilla, Réunion and St. Martin (French part).
Cases in which the EHIC is not valid
The EHIC does not cover medical costs if you:
- travel abroad for the purpose of obtaining medical care;
- are treated by a private healthcare provider or at a private clinic;
- are living abroad permanently.
Three steps to getting your EHIC
- Go to the request form at ehic.nl
- Fill in your details and send your request
- Receive your EHIC by post within 4 working days
If you are travelling and have a health-related question, need help finding a doctor near you, or need urgent medical care, call the CZ Helpline on +31 13 468 04 02.