可打印的卡片
没有卡就医:值得留存的材料
六个反应,从急诊接待台到回家之后的表格。每一条都带着支撑它的条文。
卷宗 EU 987/2009
本页是为打印做的:打印时周围整个界面都会消失。
法律状态核对于July 29, 2026
- 01
去接受治疗:因为没有卡而拒绝这件事并不存在
没有你的卡,不能拒绝为你治疗;你可能要付全额,然后回家之后申请报销。先治疗,后文书。
Section “European Health Insurance Card (EHIC)” · European Health Insurance Card (EHIC): without the card, treatment cannot be refused · europa.eu - 02
请窗口联系你的医保机构
停留地经办机构应当在收到请求时或者在其他必要情形下,联系主管经办机构以取得表明你有资格的那份文件。在窗口说一句话,就让这次交换启动。
Article 25(A)(1) · Regulation (EC) No 987/2009 (implementing procedure), Article 25, part A, paragraph 1 · eur-lex.europa.eu - 03
给你的医保机构打电话:一份替代证明可以通过电子邮件走
如果你需要紧急治疗,你本地的医保机构可能可以帮上忙,用电子邮件把临时替代证明发给你;而如果你的卡是在你已经身处国外时丢失或被盗的,这份证明也应当予以签发。
Section “Without the European Health Insurance Card” · Unplanned healthcare: the Provisional Replacement Certificate · europa.eu - 04
如果你必须付款,就留好每一份文件
回家之后的报销既适用于公立医疗提供者,也适用于私立医疗提供者,而它靠文件活着:明细发票、付款收据、医疗报告。没有卡,有些国家即使在公立医院里也按自费价格收费:那些纸的分量因此加倍。
Section “Without the European Health Insurance Card” · Unplanned healthcare: payment and reimbursement without the card · europa.eu - 05
回家之后,带着那两道界限去提交申请
只有你在自己国家有权接受的治疗才会被报销,而且只报到它们在你本国的费用为止,这个数额可能低于你所付的。按这两行校准过的申请,是一份可信的申请。
Section “Without the European Health Insurance Card” · Unplanned healthcare: payment and reimbursement without the card · europa.eu - 06
在下一次就医之前,写信给国家联络点
每个欧盟国家都至少有一个国家联络点,可以在你就医之前告诉你,你是否有权获得报销,以及是否适用某个上限。在账单之前把问题问出来,不要在账单之后。
Sections “With the European Health Insurance Card (EHIC)” and “Without the European Health Insurance Card” · Unplanned healthcare: the national contact points · europa.eu
关于欧洲共同底线的一般信息,不是针对你个案的法律咨询。独立的教育网站,与欧盟机构无关。本卷宗里的救济链接只指向官方机构。
来源核对于 July 29, 2026。 · https://depleindroit.odersa.org/zh/fiches/l-urgence-sans-carte · 内容采用 CC BY 4.0 许可。
法律欠你什么
每一项权利,连同它的金额或期限、支撑它的官方文本节录,以及它的网址。
底下那项权利:停留期间变得必需的医疗
在另一个成员国停留期间,你有权获得因医疗原因而变得必需的实物给付,同时考虑给付的性质和预计的停留时长,并且如同你就是在该国参保的人一样提供。这张卡证明这项权利;它并不创造这项权利。
官方文本,原文语言 · Article 19(1)
Official Journal of the European Union · EUR-Lex · https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02004R0883-20190731“an insured person and the members of his/her family staying in a Member State other than the competent Member State shall be entitled to the benefits in kind which become necessary on medical grounds during their stay, taking into account the nature of the benefits and the expected length of the stay. These benefits shall be provided on behalf of the competent institution by the institution of the place of stay, in accordance with the provisions of the legislation it applies, as though the persons concerned were insured under the said legislation.”
没有卡,不能拒绝为你治疗
如果你没有卡,或者卡用不了,不能拒绝为你治疗,但你可能要付全额,然后回家之后申请报销。这句话的两半都算数。
官方文本,原文语言 · Section “European Health Insurance Card (EHIC)”
Your Europe · European Union · https://europa.eu/youreurope/citizens/health/unplanned-healthcare/ehic/index_en.htm“If you don't have your EHIC, or you can't use it (for instance, for private health care), you can't be refused treatment but you might have to pay the full amount for your treatment and claim reimbursement once you get home.”
那份文件可以由停留国的窗口去取得
如果你没有表明你有资格的那份文件,停留地经办机构应当在收到请求时或者在其他必要情形下,联系主管经办机构以取得一份。你在窗口提出的请求,就足以让各医保机构之间的交换开始。
官方文本,原文语言 · Article 25(A)(1)
Official Journal of the European Union · EUR-Lex · https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009R0987-20180101“the insured person shall present to the health care provider in the Member State of stay a document issued by the competent institution indicating his entitlement to benefits in kind. If the insured person does not have such a document, the institution of the place of stay, upon request or if otherwise necessary, shall contact the competent institution in order to obtain one.”
没有卡的真实风险:全价,甚至自费患者的身份
在某些国家,没有卡,你可能被当作自费患者对待,按自费价格收费,即使在公立机构里也是如此。这项风险是写明的:它是需要事先准备的东西,不是在窗口提出异议的东西。
官方文本,原文语言 · Section “Without the European Health Insurance Card”
Your Europe · European Union · https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_en.htm“In certain countries, without the EHIC, you might be treated as a private patient and charged private prices even in public establishments. You can then claim reimbursement from your health insurer when you get home. This applies to both public and private healthcare providers. However, the terms will be different: only treatments which you are entitled to receive at home will be reimbursed you will be reimbursed only up to the cost of treatment in your home country – which may be less than you paid for the treatment”
回家之后的报销,被两道写明的界限框住
报销在回家之后向你的医保机构申请,公立和私立的医疗提供者都一样,带着两道边界:只报你在自己国家有权获得的治疗,而且以它们在自己国家的费用为上限,这个数额可能低于你所付的。
官方文本,原文语言 · Section “Without the European Health Insurance Card”
Your Europe · European Union · https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_en.htm“In certain countries, without the EHIC, you might be treated as a private patient and charged private prices even in public establishments. You can then claim reimbursement from your health insurer when you get home. This applies to both public and private healthcare providers. However, the terms will be different: only treatments which you are entitled to receive at home will be reimbursed you will be reimbursed only up to the cost of treatment in your home country – which may be less than you paid for the treatment”
一个在就医之前答复你的国家联络点
每个欧盟国家都至少有一个国家联络点,回答报销的问题,包括在就医之前回答:报不报,有没有上限。账单上那个意外,有一个办公室的活就是把它拆掉。
官方文本,原文语言 · Sections “With the European Health Insurance Card (EHIC)” and “Without the European Health Insurance Card”
Your Europe · European Union · https://europa.eu/youreurope/citizens/health/unplanned-healthcare/payments-reimbursements/index_en.htm“Each EU country has at least one national contact point that can assist you with questions on reimbursement. […] If you're not sure about your rights and want to check before getting treatment, each EU country has at least one National Contact Point that can inform you whether or not you will be entitled to reimbursement, and whether any ceiling applies.”
本站是教育性的、独立的:本站不是欧盟的官方网站,本裁定也不是针对你个案的法律咨询。所引录的表述均取自官方条文和官方页面,其链接列在每一项权利之下。
卷宗 EU 987/2009
这份卷宗里的材料
每份材料都有自己的页面。处境在这里玩;你留下的、你寄出的、你回头再读的,都住在隔壁。