EHIC stands for European Health Insurance Card. It's a small plastic card, like a credit card, that gives you the right to state-provided medical care in countries within the European Economic Area and Switzerland. This includes all the most popular European holiday destinations like France, Spain, Italy and Greece.
EHIC covers you for state treatment and any costs not covered can be claimed against your travel insurance.
Many European travel insurance policies, including LV=, expect you to use public health facilities, not private ones, where possible. To do this, you'll need to ask to be treated at a public facility and show your EHIC when you arrive at the hospital or clinic.
The good news is that when you use your EHIC to get public healthcare in Europe, you won't be expected to pay the excess on your insurance policy.
The EHIC will also cover you for pre-existing medical conditions that won’t necessarily be automatically covered by your European travel insurance. So if you're receiving treatment for a heart condition in the UK, that treatment will be available if you need it when you show your EHIC in Europe. However, you can’t specifically travel to Europe to get treatment using your EHIC.
If you're pregnant and you need treatment for your pregnancy, your EHIC will cover both routine and emergency treatment while you’re in Europe.