可打印的卡片
在欧盟境内停留期间就医:值得留存的材料
六个反应,从行李箱到报销表格。每一条都带着支撑它的条文。
卷宗 EU 883/2004
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
出发之前申请这张卡,一分钱不付
欧洲健康保险卡完全免费,在出发之前向你的医保机构申请。绝不要经过一个为它收费的网站:官方的受理窗口就是你的医保机构。
Section “Applying for the European Health Insurance Card (EHIC)” · Health cover for temporary stays: applying for the card · europa.eu - 02
一旦等不了,就在当地看医生
停留期间因医疗原因而变得必需的给付是一项权利,同时考虑给付的性质和预计的停留时长。一场毁掉一周的感染不会等到回程。
Article 19(1) · Regulation (EC) No 883/2004 (coordination of social security systems), Article 19, paragraph 1 · eur-lex.europa.eu - 03
选择公立体系的医疗提供者,手里拿着卡
这张卡只对属于公立体系的医疗提供者所提供的医疗才算数。私立诊所会按它自己的价格给你治,有卡没卡都一样。
Section “Restrictions on the use of your European Health Insurance Card” · Health cover for temporary stays: restrictions on the card · europa.eu - 04
付当地参保者所付的,并留好每一张收据
给付的提供如同你就是在停留国参加保险的人:同样的规则,同样的患者自付费。收据是报销所依托的文件,在当地如此,回家后也如此。
Article 19(1) · Regulation (EC) No 883/2004 (coordination of social security systems), Article 19, paragraph 1 · eur-lex.europa.eu - 05
申请报销,在当地或者回家后
停留地经办机构可以在其费率的限额和条件范围内直接向你报销。否则,回家之后由你自己的医保机构接手,按停留地的费率办。
Article 25(B)(4) · Regulation (EC) No 987/2009 (implementing procedure), Article 25, part B, paragraph 4 · eur-lex.europa.eu - 06
为救援、遣送回国和计划性治疗单独投保
这张卡既不涵盖救援服务,也不涵盖遣送回国,更不涵盖在另一个国家的计划性治疗。出了重大变故要免费回国,需要一份单独的保险,而且要在出发之前投。
Section “Restrictions on the use of your European Health Insurance Card” · Health cover for temporary stays: restrictions on the card · 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/le-pepin-de-sante-en-vacances · 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。
一张不花钱的卡,由你的医保机构签发
欧洲健康保险卡向你的医保机构免费申请,它证明你在一个欧盟国家参加了保险。那些为它收费的网站,卖的是一份免费的表格。
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 have health insurance in an EU country, you can ask your insurer for a European Health Insurance Card (EHIC), free of charge. […] The card is proof that you are insured in an EU country.”
停留期间变得必需的医疗,不必等到回程
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。判断标准是等不了,不是生命受到威胁的急症。
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“Unless otherwise provided for by paragraph 2, 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.”
为你治疗那个国家的被保险人所适用的费率
给付由停留地经办机构按其适用的立法提供,如同你就是依该立法参加保险的人。当地人免费的地方就免费,当地人付患者自付费的地方就付。
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“Unless otherwise provided for by paragraph 2, 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.”
在当地或者回家后申请的报销
如果你付了钱,可以在停留期间向停留地经办机构申请报销,在其费率的限额和条件范围内,也可以回家后转向你自己的医保机构。收据是两条路共有的文件。
官方文本,原文语言 · Article 25(B)(4)
Official Journal of the European Union · EUR-Lex · https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009R0987-20180101“4. If the insured person has actually borne the costs of all or part of the benefits in kind provided within the framework of Article 19 of the basic Regulation and if the legislation applied by the institution of the place of stay enables reimbursement of those costs to an insured person, he may send an application for reimbursement to the institution of the place of stay. In that case, that institution shall reimburse directly to that person the amount of the costs corresponding to those benefits within the limits of and under the conditions of the reimbursement rates laid down in its legislation.”
出发之前该知道的三项写明的排除
这张卡不涵盖私立医疗,不涵盖在另一个国家的计划性治疗,也不涵盖救援和遣送回国,那些需要单独的保险。三句官方的话,避开三次糟糕的意外。
官方文本,原文语言 · Section “Restrictions on the use of your European Health Insurance Card”
Your Europe · European Union · https://europa.eu/youreurope/citizens/health/unplanned-healthcare/temporary-stays/index_en.htm“Your EHIC will not help you with rescue and repatriation - for transport home after falling seriously ill or after having an accident while visiting another EU country, you will need separate insurance cover. […] Your EHIC does not cover private healthcare. You can only use it for healthcare from providers that are part of the public system. […] Your EHIC does not cover planned treatment in another EU country.”
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门户,其链接列在每一项权利之下。
卷宗 EU 883/2004
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。