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State-funded healthcare abroad in the EU, EEA and Switzerland

State-funded healthcare abroad in the EU, EEA and Switzerland

If you are resident in the EU, EEA you can choose to access healthcare abroad in other countries in the EU, EEA or Switzerland. Your residence country’s healthcare system could pay or refund your expenses. State-funded healthcare abroad could be an option for you!

We will always advise you to ask for prior approval before you receive treatment abroad. But we realise that not in all cases is possible, for example when you had an accident whilst on holiday.

These four common ways to get state-funded or refund for treatment abroad.

  • EHIC route – apply for a refund if you already had received healthcare. It applies only to emergencies or treatments provided without delay. In addition, providers abroad had to be in public, not private.
  • Directive route (healthcare already received) – apply for a refund. If you had received and paid for healthcare abroad in a private clinic/hospital.
  • Directive route (planning to go abroad) – apply for permission to travel abroad. You can apply and receive permission to receive planned healthcare abroad in a private clinic/hospital.
  • S2/E112 Route -planned medical treatment in the state system abroad.

Rules and processes in each country could be slightly different.

Pick the country where you live and read the rules for state-funded treatment abroad: