The European Health Insurance Card

It’s now been five years since the European Health Insurance Card was created and now more than a third of Europeans, some 180 million people have them. So how do they work and how can they make your life easier?

The European Health Insurance Card is designed to help people get medical care while on a temporary stay abroad, for example while on holiday, studying, or working in any of 31 countries: that’s the 27 EU member states, plus Iceland, Norway, Lichtenstein and Switzerland. As the social affairs commissioners spokeswoman explains “If you hold an EHIC card it means you are entitled to the care on the same terms as a resident of the country you are visiting.”

A broken leg, toothache, a virus, even chronic problems like asthma or diabetes all are covered. Just show your European Health Insurance Card to be treated.

It will also cut through red tape and help with refunding costs of any medical treatment that you have to pay for.

You do have to ask for a card, it is not automatically issued, though some countries do have it on the reverse of their own National Health Insurance Cards. It is free and to get one you just have to apply to the Health Authorities in your country. The cards are individual and every member of your family should have one, including children.

If you lose or forget your card you can ask for a Provisional Replacement Certificate to be sent to you. It’s important to note that the European Health Insurance Card can only be used within the framework of public healthcare provision and does not replace supplemental travel insurance. It also doesn’t cover you if you are going abroad for planned medical treatment.

If you are unfortunate when on your travels and are in need of medical treatment when not in possession of your EHIC Card, you may be required to pay a fee. This is refundable from the Department of Work and Pensions when back in the UK. Simply call them on 0191 218 1999 (You will need to have your National Insurance Number and personal bank details to hand) or write to them at: Department for Work and Pensions, Caxton House, Tothill Street, London, SW1H 9NA.

Finally, remember that in the case of a medical emergency the number to call is 112 throughout the entire European Union. Calls are free and can be made from a landline or on mobile phones.

European Health Insurance Card Applicationn

Where to Get Affordable Retirement Health Insurance

If retirement is in your near future, you need to make a lot of plans for your financial future, including figuring out what you’re going to do for retirement health insurance.

Even if you’re in good health, chances are you’ll experience some health problems as you age. Plus you’ll want to have routine checkups and preventive care.

Having a good health insurance policy is key to a peaceful retirement.

Closing the Gap

Part of the retirement health insurance problem is that Medicare coverage doesn’t begin until age 65 but many people want to retire before then. If you retire early, you need to fill an insurance gap between when you retire and when Medicare coverage begins. Some options available to you include:

* Continuing coverage through your employee. Some large companies continue to provide insurance coverage for retired employees. Even if they don’t, you may be eligible for coverage through COBRA for up to 18 months

* Obtaining coverage through your spouse’s employer, if your spouse is still working

* Looking for a cheap private medical policy

Finding an Affordable Policy

If you do decide you need to get a private policy, be prepared for sticker shock! These policies are not cheap.

However, you can save money by going to an insurance comparison website to find your policy. These websites make it easy to comparison shop for insurance, which is very important because rates for the same coverage can vary by hundreds of dollars from one company to another.

Just be sure you choose a website that offers an online chat service with insurance experts in case you have any questions you need answered (see link below).

Planning for the Future

Even when Medicare begins, you may still choose to buy a Medigap policy to cover your deductible, co-payments, and other out-of-pocket expenses. Insurance comparison websites give you access to these kinds of policies as well.

Where to Get Affordable Insurance

Visit or click on the following link to get affordable retirement health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on affordable retirement health insurance.

Comprehensive Cashless Health Insurance For The Whole Family

The concept of nuclear families in India is fast catching up. This is perhaps because people are more equipped with knowledge pertaining to the benefits of a nuclear family. Big homes have broken up and people are more in favour of elementary homes. The advent of the nuclear families concept has ushered in more financial stability in the homes. Nuclear families in a way provide for a wonderful platform for better economic planning and cost-cutting. This is so because there are lesser people to take care of, which allow families to cut down on surplus expenditure.

However, there still exist many joint families in the light of the age old Indian tradition. The joint families usually consist of grandparents, children and other members sharing the same roof. In today”s era, it becomes imperative for joint family members to have a good health insurance policy that safeguards the future of the children and also provides medical coverage for the elderly members of the household. One of the most important aspects that should be kept in mind while buying health insurance is the provision of cashless hospitalisation. Sickness, accidents, diseases can strike anyone, anytime leaving you emotionally and financially devastated.

Cashless care is suitable for joint families. This is because there are so many members of all age groups that require healthcare. It is imperative for large families to ensure insurance that allows cashless benefits in the time of emergency. It usually becomes imperative to assume an insurance policy that serves as an umbrella to cover the needs of everyone. Cashless health insurance takes care of the financial aspects of healthcare activities. As we know that medical costs have reached an all time high, a good insurance policy is a must which assures peace of mind.

Cashless health insurance comprisesof one of the most crucial aspects of health insurance policies and is provided by many health insurance providers in the country. Cashless hospitalisation provides for all the relevant medical expenses that are covered under the insured”s policy. It is directly settled by the health insurance provider with the hospital. The process is catalysed by the help of a third party administrator which is hired by the insurance companies to provide assistance during a claim. In order to successfully file a claim, the insured is required to submit all the relevant and requisite medical documents to the third party administrator. Once reviewed and accepted by the TPA, the claim is approved by the health insurance provider.

It is always advised to undergo treatment in hospitals so that you do not shell any amount from your pocket in the event of an accident or an illness. Log on to the website to gather further information about cashless benefits.


Students Need Health Insurance

The economic recession is making the need for health insurance stronger than ever. Most Americans are aware of the fact that senior citizens need coverage since they experience illnesses more often than younger people. Still, young students need health insurance just as much as anyone else. Without adequate coverage, young people and their families face the risk of financial ruin.

According to the U.S. Census Bureau, 85 percent of Americans have some form of coverage. The vast majority have health insurance through their jobs. Recent job losses have caused some families to cut back on their health insurance or risk going without it all together. In some cases, parents will try to cut costs by covering themselves but not their children. They do this since children and teens are less likely to develop chronic conditions such as heart disease, diabetes, and cancer. This is a big mistake.

It is important to keep in mind that children need continuous health care throughout their formative years. They will have to see a physician several times a year from infancy until their teen years. This will include their routine check-ups for vaccinations, and appointments to chart their growth and development. Furthermore, there will be many unexpected trips to the doctor when children are injured in accidents or become ill.

Conditions such as ADHD, asthma, and autism, usually surface when children are very young. Students need health insurance so that they can have access to health care providers who can recognize the early symptoms of developmental delays or learning disabilities. Certain viruses that are left untreated in children can cause permanent disabilities, so a lack of medical coverage can lead to life-long health problems.

College students need health insurance as well. However, many of these young adults often go without it. This is another age group where families often underestimate the need. The reason is because many college students are healthy. Also, some colleges and universities have clinics where students can get treatments for minor injuries and illnesses. Still, students who don’t have health insurance will not have coverage for emergency care.

A major accident or injury that requires hospitalization could cause a substantial financial burden for students who don’t have health insurance. No student should have to face something like this. Students should have the freedom to spend their college years exploring their educational opportunities and building their futures. They should not be stressed out over a mountain of medical bills or be consumed with worry over the possibility about what could happen because they don’t have health insurance.

There are several options available, when you are searching for health insurance for students. If you log onto to obtain health insurance quotes for different companies, for you to compare.

Savings You Can Make on Your Health Insurance

Times are tough and we are all looking for new and innovative ways to save on our monthly expenses. Health insurance and you monthly premiums is most certainly an area where you can save a significant amount of money. The one thing to be careful of is that you don’t compromise on the level of cover you get currently. Still, it is absolutely possible to save money while still getting adequate cover for you and your family.

Although health insurance policies have become very standardized lately, there is still enough room to man oeuvre in order to make some savings. Here are 3 straightforward ways in which you can save on your health insurance.

Tip – 1: Company Insurance

Does your company offer a health care scheme? So often people don’t even look at the options their company has to offer and they blindly go for private health cover. Most companies will have some sort of incentive and often they will actually make a contribution. Another important thing to look at is what your spouse’s company has to offer. Is there savings to be made when you switch your entire family’s cover to his or her company’s health care plan?

Tip – 2: Deductibles

One area where you can save significantly is with your deductibles. As a rule of thumb, the lower your deductible the higher your monthly premiums BUT it can actually save you money. Don’t just look at your insurance from a monthly point of view. Can you save annually? Can you save on your additional annual payments? Most people get seduced by the promise of lower monthly payments and insurers know this. See you health insurance expenses from an annual point of view instead.

Tip – 3: Co-Pays

Every family have different medical expenses. Some people rarely claim anything while others are in and out of the doctors on a weekly basis. Your co-pays are the part of your health insurance cover that you are responsible for paying. You need to asses this against your annual health expenses and see if you can benefit from carrying a higher or a lower co-pay. Most health insurers will help you with this but by just looking at your general doctors visits and co-pays you can save a lot.

Sometimes just switching from one insurer to the next can save you money. There is fierce competition out there and some companies will give you significant savings just to get your business. The important thing to remember is to now compromise on your level of cover as this can be a costly mistake when you do need your health insurance.