The NHS in the United Kingdom covers healthcare. Healthcare is provided for free during time of treatment. Other EU countries have other healthcare systems which means you have to have insurance in order to cover your treatment. The NHS European Health Card (EHIC) may cover either all or some of the medical fees you may incur.
The amount that is covered will depend upon the country which you are visiting and the treatment you receive. It is wise for you to get an EHIC card along with health insurance from the private sector.
Having a European Health Insurance Card is extremely important for those travelling Europe. High medical costs make the card a must for travelers. Despite the fact that not every medical treatment can be covered by an EHIC card, it can still save you on having to pay high fees if you do require medical care.
While your EHIC card is very important to have, it does not replace the need for travel insurance. Rather, travel insurance and an EHIC are complementary to each other. Your European Health Insurance Cardwouldn't cover all the things that a travel insurance policy does. For example, travel insurance can cover problems with your flights like experiencing cancellations or delays etc., or even stolen or lost luggage. EHIC does not cover private medical care, so a travel insurance policy is a good way to go. Therefore it's a good idea that you apply for a European Health Insurance Card (for both yourself and each family member), and purchase a policy for travel insurance.
Your EHIC will protect you for emergency medical care during your travels in Europe. This entitles you to lower cost or sometimes free treatment. This will include treatment for any conditions you may already have. It will protect you in case of complications you may experience during pregnancy including early delivery. However, there are many things which aren't covered by the EHIC and it's important to figure out if your health needs will be met by the EHIC. You don't want to get handed a hefty, and unexpected bill.