Travel Insurance: The EHIC Card Is Not Enough. What to Choose for Peace of Mind?

What is the EHIC and what does it cover?

The European Health Insurance Card (EHIC) provides access to basic medical care in EU countries — but only under the rules applicable in each country. This means you may face co-payments or lack of reimbursement for certain services.

Private insurance offers more comprehensive coverage and faster assistance

Private travel insurance policies cover not only treatment but also medical transport, assistance services, and even rescue costs in the mountains. In case of emergency, you often have 24/7 support, frequently with Polish-speaking assistance.

Affordable prices start from just a few PLN per day

You can get good travel insurance starting at around 5 PLN per day. This is a small price compared to possible costs, such as a doctor’s visit in Switzerland, which can run into hundreds of euros.

When is the EHIC not enough?

• Outside the EU (e.g., Turkey, USA, Thailand)
• For medical repatriation to Poland
• In case of accidents while skiing, diving, or doing extreme sports

In such situations, only private insurance provides real support.