Parents close to deadline for GHIC cards warn experts
Parents have just days left to apply for essential healthcare cover ahead of the school summer holidays, with Global Health Insurance Cards (GHIC) 1.53 million cards set to expire in 2025, and many never having had one.
The UK GHIC is a key benefit that lets Brits get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country. This may be free or it may require a payment equivalent to that which a local resident would pay. It replaced the European Health Insurance Card (EHIC).
If you have an existing EHIC you can continue to use it until the expiry date on the card. Once it expires, you'll need to apply for a UK GHIC to replace it. You can apply for a new card up to 9 months before your current card expires.
Alicia Hempsted, travel insurance expert at MoneySuperMarket, says: 'With schools in the UK breaking up for summer as early as Wednesday June 25, some parents now have just 20 working days left to apply for their Global Health Insurance Cards (GHIC) to ensure they arrive in time.
'Free to apply for and lasting for up to five years, applying for a GHIC card couldn't be simpler. Visit the NHS website, provide the appropriate details and then wait 24 hours for your application to be approved.
All you need to know about the new free Global Health Insurance Card (GHIC) https://t.co/uH9paMtlc2 #MartinLewis
— Martin Lewis (@MartinSLewis) January 7, 2021
"It is important to note that each family member requires a GHIC card, so parents will need to complete one for each child. Once approved, your card will be sent to your address and should arrive within 15 working days.'
You can apply for a UK GHIC if you're a resident in the UK. You can also add your family members to your application when you apply.
You'll need to provide your:
full name
address
date of birth
National Insurance number
Health and Care number (if you're from Northern Ireland)
If I have a UK GHIC do I also need travel insurance?
UK GHIC is not a replacement for travel insurance. You also need travel and medical insurance for the duration of your trip.
Alicia says: 'While a GHIC card will cover treatment for emergencies, it is not a direct replacement for travel insurance. Having the appropriate travel insurance before your holiday is vital, as there are several things that GHIC doesn't cover, such as medical repatriation or treatment in a private health facility should you need it.
'Wherever you're planning to travel this summer, it's vital to have the right travel insurance in place for you and your family so you can enjoy your trip worry-free.'
You should also check FCDO travel advice on GOV.UK for the country you're visiting.
Recommended reading:
What is a GHIC card, and which countries are covered?
'In the event of a medical emergency, a GHIC card allows travellers to access state healthcare on the same basis as a resident in the country that you are visiting," says Alicia.
'GHIC covers emergency healthcare in any country within the European Economic Area (EEA), and other countries such as Montenegro, Australia and Jersey.
"A full list of countries is available on the NHS website.'
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I'VE always known, deep down, that I was different. This began during my school days, when I'd copy my classmates' mannerisms and tone of voice just to fit in. I altered who I was to appear likeable to others, because I didn't understand who I was. This carried on into secondary school where, as a fellow student so sensitively put it, I 'could have been one of the cool kids if I wasn't so weird'. I have vivid memories from this period of when teachers would ask me questions that I didn't know the answer to, and the stress would lead to full-blown anxiety attacks. My palms would get all sweaty, my face would go bright red and my heart rate would shoot right up. In a panic, I would rush out of the classroom. I remember one day I found someone in the corridor and told them to call an ambulance because I thought I was having a heart attack. At the time, aged 15, I was misdiagnosed with generalised anxiety disorder (excessive, uncontrollable worry about everyday situations). 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Hyperactivity associated with ADHD can be internalised and, after realising this, so many of my previous life experiences suddenly made sense. For me, ADHD means that: I possess the creativity and hyperfocus to create two global social media brands, but if a task doesn't interest me, it simply will not get done. I've always been entrepreneurial, but I had poor financial skills and often lost interest in projects once the novelty waned. I own an impressive list of domains, and enjoy buying things, but this often results in overspending and financial difficulties. I love meeting new people, but I've always struggled to maintain friendships. One way it presents is impulse purchasing, which I've always struggled with. It would cost me hundreds – sometimes thousands – of pounds a year. I estimate about £14,000 annually at my worst. I now know this to be a little-known (and costly) consequence of ADHD known as the 'ADHD tax', referring to the higher living expenses that so many of us with ADHD (and other neurodivergences) can incur due to challenges with impulse control and executive functioning. The ADHD tax might show up in the expensive hobbies we've signed up for (and then lost interest in), the impulse purchases we buy and forget about, or the dreaded monthly subscriptions that we sign up for, never use but never cancel – a classic example of how knowing how my brain worked would have been extremely helpful earlier in my life. 6 Alex would buy food he'd then forget to eat Credit: Alex Partridge 6 Alex developed an alcohol addiction Credit: Tanya Grace I used to buy so much food that I would then forget to eat. I impulsively signed up for an online sewing course on a Monday, then had lost all interest in it the following day. My electricity bills increased as I was having to wash my clothes multiple times because I'd forgotten to empty the washing machine. When I thought I'd found my new calling in life as a master candle maker, I bought a 2kg box of paraffin wax from Hobbycraft, only for it to sit there unused for months. I bought a trumpet thinking I'd learn to play, but again, it stayed firmly in its box. I even bought new socks when all of mine were dirty, and decided to buy a new rug when my dog went to the toilet on the original as the thought of cleaning it was too overwhelming. Hundreds of pounds splashed on unused gym memberships, vitamins, app subscriptions… the list goes on. The 9 'hidden' signs of ADHD in adults ADHD has long been associated with naughty schoolkids who cannot sit still in class. And that is part of it. Fidgeting, daydreaming and getting easily distracted are all symptoms of the behavioural condition, which is why it is often spotted in children. However, attention deficit hyperactivity disorder is far more complex than simply having trouble focusing. Henry Shelford, CEO and co-founder of ADHD UK, says: 'If it isn't debilitating, it isn't ADHD.' In recent years, social media has given rise to trends which conflate specific personality traits or single behaviours with ADHD. You might be thinking, 'I'm always losing my keys, forgetting birthdays and I can never concentrate at work — I must have ADHD'. But it's not as simple as that. Though these may all point to the condition, Dr Elena Touroni, a consultant psychologist and co-founder of The Chelsea Psychology Clinic, says: 'The key distinction lies in how much a behaviour impacts a person's daily life. 'Genuine ADHD symptoms affect multiple areas of life - work, relationships and emotional wellbeing - whereas personality traits are typically context-dependent and less disruptive.' ADHD UK's Henry, who has the condition himself, adds: 'Having ADHD is hard. One in ten men with ADHD and one in four women with ADHD will at some point try to take their own lives.' So how can ADHD manifest in someone's life? While hyperactivity is a common indicator, here are nine other subtle signs: Time blindness - losing track of time, underestimating how long tasks will take, regularly being late or excessively early Lack of organisation - a messy home, frequently misplacing items, forgetting deadlines Hyperfocus - becoming deeply engrossed in activities for hours Procrastination - feeling overwhelmed by to-do lists and struggling to determine what needs your attention first so focusing on less important tasks Heightened emotions - emotional struggles can manifest in angry outbursts, feeling flooded with joy or shutting down because you feel too much at once Being a 'yes man' - agreeing to new projects at work or dinner dates with friends when you're already busy (a desire to please) Impatience - interrupting people mid-conversation, finding it painful to stand in a queue, being overly-chatty Restlessness - tapping, pacing, fidgeting or feeling restless on the inside Easily distracted - by external things, like noises, or internal things like thoughts Among the most challenging periods of my life, however, came in 2017, before my diagnosis, during a long-running legal battle that pushed me to the brink. 'Two members of the public found you staggering in an alleyway. It was 2am. You were alone and clutching a bottle of vodka. As they approached you, you slipped and hit your head on the wall. They called an ambulance.' These were the first words spoken to me by the nurse next to my hospital bed when I woke up. Upon hearing them, I was hit by an overwhelming wave of shame and anxiety, and the immediate need to self-medicate. Unfortunately, it was alcohol - my medication of choice at the time - that had landed me here in the first place. So how did this all come about? I was 18 when I discovered booze, and quickly figured out it turned down the volume in my head. As I've often been a pleasure-seeker with low impulse control, it wasn't a shock when I discovered the strong link between ADHD and addiction. And alcohol became an addiction that would temporarily run my life. 'It was like I'd pressed my brain's brake pedal' It was being effectively ousted from UNILAD, the business I founded alongside two others, that really kick-started my alcoholism in 2013. I still remember staring at my computer screen, suddenly unable to access the site because they had changed the password, paralysed with overwhelm and crippled by anxiety. I stood up, went and bought a bottle of wine, drove home and drank the whole thing in five minutes. Suddenly, it was like I had pressed my brain's brake pedal. My thoughts instantly slowed down, and the caffeinated squirrels stopped running around. My anxiety had, temporarily, disappeared. 6 Alex describes his ADHD as like having '10 highly-caffeinated squirrels running about' in his brain Credit: Andrew Mason 6 He is the host of the podcast ADHD Chatter and author of the book Now It All Makes Sense Credit: Luke Hamlin For various reasons, such as rejection sensitive dysphoria (RSD) – an extreme emotional reaction I feel to real or perceived rejection - that accompanies my ADHD, I've always been terrified of confrontation. So much so, that my coping mechanism for effectively having my life's work snatched from me was not to confront those responsible, but rather to bury my head in the sand and drink myself to sleep every night. After my mum found 23 empty bottles of wine concealed under my bed, we finally arranged to speak to a lawyer, who told me: 'You will win this case over ownership of the company if you choose to fight it in court. You will, however, have to give evidence in the witness box.' My mind immediately flashed to the opposing lawyer saying: 'Alex, do you know the answer to this question?' And I panicked, remembering the little version of me sitting in the classroom all those years ago. I abruptly stood up and left the lawyer's office, bought a bottle of vodka, and woke up in hospital 12 hours later with a nurse looking over me, saying the sobering words you see above. Much of the next year was characterised by the court battle, which was an unbelievably stressful time. During the trial, I was cross-examined in the witness box for five days, during which I had to excuse myself several times to 'use the loo' – when in reality, I was doing breathing exercises to divert a panic attack. A further three months passed before my lawyer phoned me. He said: 'Alex, are you on your own?' 'Yes,' I said. There was a pause. 'You've won everything.' I broke down crying – one of the biggest legal, and mental health, or battles of my life, and I'd come through it. I won my 33 per cent stake in the company back. How to get help UNFORTUNATELY, a GP cannot formally diagnose ADHD but they can refer you for a specialist assessment. Be warned, the wait can be long. Data suggests there are at least 196,000 adults on waiting lists across the UK. And a BBC investigation found in many areas it would take at least eight years to clear the backlog. For an adult to be diagnosed with ADHD, the NHS says their symptoms should have a moderate effect on different areas of their life, such as underachieving at work or having difficulties in relationships, and the person has been displaying symptoms continuously for at least six months. There must also be evidence symptoms have been present since childhood - it's thought that the condition cannot develop for the first time in adults. After a diagnosis, treatment can include psychological therapies, psychotherapy, social skills training and medication. For many, a diagnosis can be a relief, but also unravel mixed emotions and feelings of 'being different'. ADHD UK has information on considering diagnostic pathways and can offer support. UNILAD went into administration in 2018, then was bought by the same company that had earlier bought LADBible for an undisclosed amount. Reports suggest the brand was valued at up to £40million. My celebrations included a trip to Las Vegas, a new tattoo (that I had no memory of getting in the first place) becoming infected, and another hospital visit. But in 2018, I managed to kick the alcohol habit for good. I attended my first Alcoholics Anonymous (AA) meeting where I said the most important sentence I'd ever uttered. 'My name is Alex and I'm an alcoholic.' I've been sober ever since, which is among the best decisions I've ever made. I'm now 36, living in Brighton, and I can confidently say that quitting booze has enabled me to take back control of my ADHD, suffocate the negatives - and allow the positives to thrive. Alex Partridge is the founder of LADbible and UNILAD and the host of the ADHD Chatter podcast. His book Now It All Makes Sense: How An ADHD Diagnosis Brought Clarity To My Life (Sheldon Press, £16.99) is out now.
