Why isn’t always the EHIC enough?
The EHIC is not an alternative to international health insurance. Costs are reimbursed on the basis of rates and legislation in the country of expatriation and each country’s healthcare system is slightly different.
The EHIC only covers costs incurred in public health facilities for medically necessary treatments (it will not cover any private medical healthcare or costs).
The card is only valid in European countries and for a two-year period. Medical assistance and emergency repatriation are not covered and in some countries such as the UK, you may have to wait a long time to get access to public healthcare. That's why we strongly recommend you take out complementary international health insurance too.