Essential information for Brits in Spain about the GHIC health card

The global health insurance card (GHIC) serves as a vital resource for UK nationals seeking necessary healthcare while in Spain. This card enables users to access essential medical services within the European Economic Area, ensuring peace of mind for those traveling or temporarily residing in Spain.

Understanding the GHIC

The GHIC is specifically designed for UK citizens on holiday or those temporarily living in Spain. It can be particularly useful during the initial three months of residency before securing a formal residency permit, such as the digital nomad visa. However, it is crucial to note that the GHIC is not valid for individuals who have established full-time residency in Spain. Such residents must either contribute to the social security system for access to public healthcare or obtain private health insurance.

Coverage details

While the GHIC provides essential healthcare access, it is not a substitute for comprehensive travel insurance. The UK government strongly advises against traveling without additional health coverage. The GHIC does not cover:

- Repatriation to the UK for treatment

- Services at private medical facilities

- Ski or mountain rescue operations

- Routine consultations for minor health issues

The card is primarily intended for emergency situations and includes coverage for:

Emergency treatments and visits to emergency rooms Ongoing medical care for long-term or pre-existing conditions Routine maternity care, with limitations on planned births in Spain

Individuals requiring treatment for pre-existing conditions should arrange this prior to their trip, as unexpected hospital visits may not guarantee immediate care.

Application process

Applying for a GHIC is straightforward and can be done through the NHS website. Each family member requires their own card, which is free of charge when applied for through official channels. The card is valid for up to five years. Applicants must provide:

- Full name

- Address

- Date of birth National Insurance number

- Health and Care number (for Northern Ireland residents)

After submitting an application, users will receive confirmation of approval within 24 hours, with the physical card arriving by post within 15 working days. If already in Spain and in need of emergency treatment without a card, individuals can request a Provisional Replacement Certificate (PRC) via email from the Overseas Healthcare Team.

Claiming refunds for incorrect charges

Should a GHIC holder encounter unexpected charges for treatment, they can seek reimbursement by obtaining a copy of the invoice and receipt. Claims can be submitted to NHS Overseas Healthcare Services with necessary documentation, including:

- Confirmation that the treatment was provided by the national healthcare system

- Evidence of payments (e.g., card receipts)

- Travel insurance details, if applicable

- Discharge documents from the hospital

The NHS will review the submitted materials to determine eligibility for a refund.

In summary, the GHIC is an essential tool for UK nationals navigating the Spanish healthcare system. Understanding its limitations and ensuring proper application can significantly enhance the healthcare experience abroad.