The European Health Insurance Card (EHIC) is generally valid in all countries of the European Union. When visiting a physician or staying in hospital in other EU countries, it is necessary to fill in the corresponding forms. In some cases, the costs of medical appointments or hospital stays are settled directly with the home country and home country insurer where the e-card is registered. In many European countries, the costs of medical appointments and other medical services must be advanced in cash and then handed in for settlement in the home country with the health insurer, as appropriate. The accruing costs are not always fully compensated. Differences in tariffs in the different countries might also restrict a full cost refund.

For stays in countries outside the EU, taking out foreign health insurance is strongly recommended.