A UK European Healthcare Insurance Card (UK EHIC) or UK Global Health Insurance Card (UK GHIC) entitles you to the same state-funded healthcare as a citizen of the country you’re visiting.
If you do not have a UK EHIC or a UK GHIC, you can request a Provisional Replacement Certificate (PRC) to prove your entitlement to medically necessary healthcare.
If you've not yet paid for treatment, contact our helpdesk to request a PRC.
You may be able to apply for a refund if you were charged for your healthcare and did not have a:
- UK EHIC
- UK GHIC
You cannot claim a refund for treatment in Montenegro.
The amount refunded is decided by the country where treatment was received. All refunds are paid by BACS.