This guide provides information on how to apply for healthcare coverage abroad through the UK Global Health Insurance Card (UK GHIC) and the UK European Health Insurance Card (UK EHIC). Key points include:

1. Two Types of Cover: There are two types of coverage available: UK GHIC and UK EHIC.

2. Eligibility: Eligibility criteria vary for each card, including residency and legal status requirements.

3. Application Process: Both UK GHIC and UK EHIC applications are free, but applicants should be cautious of unofficial websites that may charge fees.

4. Card Usage: These cards allow access to medically necessary state-provided healthcare when visiting EU countries, Switzerland, Norway, Iceland, and Liechtenstein. Coverage includes emergency treatment, long-term conditions, maternity care, and more.

5. Travel Insurance: The EHIC or GHIC is not a substitute for travel insurance and may not cover all health costs, including repatriation.

6. Provisional Replacement Certificate (PRC): If you don't have your card while abroad and need treatment, you can obtain a PRC as temporary proof of entitlement to healthcare.

7. Card Usage by Location: The card's validity depends on your nationality and the country you visit, with specific rules for different countries.

8. Special Cases: The information outlines eligibility criteria for students, dual nationals, people born in the UK, and those living in Ireland.

9. Family Members: Family members need their own cards, and you can add them to your application.

10. Claiming a Refund: Depending on the country you visit, you may have to pay upfront and claim a refund for healthcare costs. Keep receipts and paperwork for this purpose.

11. Disputes and Incorrect Charges: If you face issues with card rejection or incorrect charges, there are steps to resolve them, including contacting NHS Overseas Healthcare Services.

12. Reporting Fraud: The guide provides information on reporting EHIC and GHIC fraud to the NHS Counter Fraud Authority.

The National Health Service (NHS) provides comprehensive healthcare services free at the point of use for residents of the United Kingdom.