Underwritten by Starr International (Europe) Ltd for UK residents and Starr Europe Insurance Ltd for EEA residents
Countries of destination should be checked against the Foreign and Commonwealth Office web site for advice on travel as some countries may be affected by advice given on www.fco.gov.uk (see policy exclusion 2).
Reciprocal Health Agreements – EU, EEA or Switzerland: If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can apply for an EHIC online at www.ehic.org.uk or please telephone the (NHS) Overseas Healthcare Team on 0191 218 1999. This will entitle you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card we will not apply the deduction of excess under section 2 - emergency medical expenses.