By providing you with independent and expert advice, plus putting all our years of specialist experience at your disposal, we can help you find the solution that best fits your location, lifestyle and budget. We’ll steer you towards the European Health Insurance providers with the best hospital networks and healthcare professionals in your country.

Choosing the best European Health Insurance

Because the market offers such choice you need take a number of factors into account when deciding which European health insurance policy is best for you. Points you should consider include:

  • What are your priorities? Think about the medical benefits that are important to you. Some benefits, such as dental, optical or physiotherapy treatments are included or offered as options. Similarly the amount of in-patient and day case care can vary.
  • What’s your budget? Think about what you can afford as either an annual lump sum or monthly direct debit. Clearly the more you can commit the more benefits you can expect to enjoy.
  • Where do you need cover? Consider not just in which European country you live but those you may visit. This is important because as you might expect the quality of facilities can vary between countries. You might want to check whether you also need travel insurance, or whether international health insurance would be more suitable.

The EHIC is not an alternative to European Health Insurance

Also known as expatriate health insurance, European health plans are specifically designed to offer protection to British citizens living abroad. It is important to point out that if you are resident outside of the UK then a UK issued European Health Insurance Card (EHIC) will not typically be valid. Indeed, even short-term European travellers should not rely upon their EHIC as this only offers access to some state healthcare at reduced cost and occasionally free. It will not cover any private medical healthcare or costs such as mountain rescue in ski resorts, being flown back to the UK, or lost or stolen property. Therefore, it is important you have both an EHIC and a valid private travel insurance policy.

Helping you choose the best and most affordable European Health Insurance for you

With so many European health insurance plans available and the policy that best suits you dependent upon so many factors – such as your resident country, budget, and hospital network quality – it’s important that you can benefit from the best professional, independent and most knowledgeable advice. Your personal Towergate Health & Protection advisor will be pleased to work with you to identify the solution which best fits your needs and to provide ongoing advice and support. This will include amending your future protection to meet your changing circumstances or helping you should you need to claim on your policy.

Chase Templeton Limited is registered in England and Wales No. 3299980 – registered address: 5 Arkwright Court, Blackburn Interchange, Darwen, BB3 0FG. Towergate Underwriting Group Limited is registered in England and Wales No. 4043759 – registered address: Towergate House Eclipse Park Sittingbourne Road Maidstone Kent ME14 3EN.  VAT Registration No: 447284724.