Real redress, in order

General information, not legal advice on your case. Every remedy has a time limit, often set by national rules: act early, and check the limit that applies to your case before you wait.

1. Your health insurer, from abroad

   As soon as the card is missing

   Call your insurer as soon as the card is missing: the official page indicates it might send you the Provisional Replacement Certificate by email, including when the card is lost or stolen abroad, and the treatment desk can itself contact it. The official card page, published by the European Commission, gives the procedure country by country.

   European Health Insurance Card (European Commission)

2. The national contact point, before further care

   Before the next care

   To find out before getting treated whether reimbursement is possible and whether it is capped, turn to the national contact point of the country concerned: there is at least one in every EU country, and the official portal describes its role.

   Unplanned healthcare: payments and reimbursements (Your Europe, European Union)

3. Your insurer, once home, documents attached

   Once home

   File the reimbursement claim with the itemised invoice, the receipt and the care report, knowing the two written limits: treatments covered at home, up to the cost at home. And if a public body in another EU country blocks the application of your rights, the European Commission's SOLVIT network handles that kind of cross-border problem.

   SOLVIT, problems with a public administration in another country (European Commission)

The exact amount reimbursed depends on the basket and rates of your country of affiliation: this site details no national scale, it presents the European baseline common to the twenty-seven.