Latest news with #GlobalHealthInsuranceCards
Daily Record
12-05-2025
- Daily Record
Expert issues scam website alert for anyone who needs travel card
UK tourists have been warned to be on the lookout for a scam that could catch out holidaymakers People have been urged to research deals before booking trips after over £11 million was lost to holiday fraud in 2024. Siobhan Blagbrough, Financial Crime Manager at Ocean Finance, explained: "Everyone's looking for a bargain break, and that makes us more likely to rush into things without checking the details properly. "Fraudsters take advantage of the seasonal demand by posting fake listings, posing as landlords or travel agents, and demanding upfront payments for holidays that don't exist." The expert also issued an alert over a Global Health Insurance Card scam, warning: "We're also seeing people being tricked into paying for Global Health Insurance Cards (GHICs), which are free through the NHS." The NHS website explains that you can apply for a card for free. It says: "The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country (...) A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply." However, scammers could target holidaymakers applying for a card, and it's one of several methods known to be popular with fraudsters, reports the Mirror. Siobhan said: "The most common trick is to pile on the pressure, scammers love using urgency to force quick decisions. If a deal seems too good to be true, take a step back and research before you book." Below, the expert highlighted five of the biggest holiday scams to look out for. Fake accommodation listings Siobhan said: "Fraudsters will post holiday homes that don't exist or aren't available for rent, taking payments upfront before disappearing. These listings often appear on social media or lesser-known websites. Always double-check the listing by running a reverse image search and booking through trusted platforms." Clone comparison sites "Some scammers go to great lengths to build fake versions of well-known holiday comparison or airline sites. They look almost identical but are set up purely to steal your payment details. Double-check the web URL and look out for subtle misspellings or unusual domain names," the expert warned. Bogus travel agents "You might get a message from a 'travel expert' offering a last-minute deal that feels too good to ignore. They may even send what looks like a real booking confirmation," the expert revealed. "But behind the scenes, there's no flight or hotel reservation. If they insist on a bank transfer or pressure you to book fast, walk away." Social media bargains Siobhan continued: "Many scammers use Facebook or Instagram to post holiday deals, but clicking through often leads to fake booking pages or demands for advance payments. They might say 'only two spots left' or 'another family is interested', but this urgency is all part of the scam." Fake GHIC websites "Applying for a Global Health Insurance Card (GHIC) through the NHS website is free, but scam websites sometimes charge a £30 - £40 fee to 'process' your application. These fake sites look professional and often rank high on search results, so it's easy to be fooled," the expert said. How to protect your money Siobhan advised sticking to trusted sites and companies and paying by credit card for extra protection. She said: "Book through well-known companies and pay inside the platform using a secure method. Once you go outside those platforms, you lose the protection they offer. If someone asks for a bank transfer or says they'll give you a better deal if you pay privately, that's a big red flag." Siobhan added that you shouldn't ignore warning signs. "If a deal looks unusually cheap for the time of year or destination, slow down and look a bit closer. Check whether the company is part of a recognised travel association like ABTA or ATOL. Even searching the company name with the word 'scam' can bring up useful results," she explained. The expert said: "If you think you've been scammed, act fast. Contact your bank straight away - if the payment hasn't gone through yet, they might be able to stop it. If it has, they can talk you through what to do next. It's also important to report the scam to Action Fraud and Citizens Advice, and if the scam came via email, forward it to report@
Daily Mirror
12-05-2025
- Daily Mirror
Expert issues travel alert over Global Health Insurance Card scam
The advice comes from a Financial Crime Manager, who explained how scammers are targeting holidaymakers An expert is urging Brits to research deals before booking vacations after over £11 million was lost to holiday fraud in 2024. Siobhan Blagbrough, Financial Crime Manager at Ocean Finance, explained: "Everyone's looking for a bargain break, and that makes us more likely to rush into things without checking the details properly. "Fraudsters take advantage of the seasonal demand by posting fake listings, posing as landlords or travel agents, and demanding upfront payments for holidays that don't exist." She also warned against a Global Health Insurance Card scam, adding: "We're also seeing people being tricked into paying for Global Health Insurance Cards (GHICs), which are free through the NHS." As per the NHS website,"The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), and some other countries, on the same basis as a resident of that country (...) A UK GHIC is free and lasts for up to 5 years. Apply for your new card through the NHS website. Avoid unofficial websites – they may charge you a fee to apply." Unfortunately, it's not the only scam aimed at UK holidaymakers. Siobhan said: "The most common trick is to pile on the pressure, scammers love using urgency to force quick decisions. If a deal seems too good to be true, take a step back and research before you book." Below, the expert shared five of the biggest holiday scams to watch out for. Fake accommodation listings Siobhan warned: "Fraudsters will post holiday homes that don't exist or aren't available for rent, taking payments upfront before disappearing. These listings often appear on social media or lesser-known websites. Always double-check the listing by running a reverse image search and booking through trusted platforms." Clone comparison sites "Some scammers go to great lengths to build fake versions of well-known holiday comparison or airline sites. They look almost identical but are set up purely to steal your payment details. Double-check the web URL and look out for subtle misspellings or unusual domain names," the expert warned. Bogus travel agents "You might get a message from a 'travel expert' offering a last-minute deal that feels too good to ignore. They may even send what looks like a real booking confirmation," the pro explained. "But behind the scenes, there's no flight or hotel reservation. If they insist on a bank transfer or pressure you to book fast, walk away." Social media bargains Siobhan said: "Many scammers use Facebook or Instagram to post holiday deals, but clicking through often leads to fake booking pages or demands for advance payments. They might say 'only two spots left' or 'another family is interested', but this urgency is all part of the scam." Fake GHIC websites "Applying for a Global Health Insurance Card (GHIC) through the NHS website is free, but scam websites sometimes charge a £30 - £40 fee to 'process' your application. These fake sites look professional and often rank high on search results, so it's easy to be fooled," the expert said. How to protect your money Siobhan suggested sticking to trusted sites and companies, paying by credit card for extra protection, and not ignoring warning signs. "If a deal looks unusually cheap for the time of year or destination, slow down and look a bit closer. Check whether the company is part of a recognised travel association like ABTA or ATOL. Even searching the company name with the word 'scam' can bring up useful results," she said. The expert added: "If you think you've been scammed, act fast. Contact your bank straight away - if the payment hasn't gone through yet, they might be able to stop it. If it has, they can talk you through what to do next. It's also important to report the scam to Action Fraud and Citizens Advice, and if the scam came via email, forward it to report@
Western Telegraph
03-05-2025
- Health
- Western Telegraph
Parents close to deadline for GHIC cards warn experts
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) #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 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.'
Powys County Times
02-05-2025
- Health
- Powys County Times
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) #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 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.'
South Wales Argus
02-05-2025
- Health
- South Wales Argus
Parents close to deadline for GHIC cards warn experts
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) #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 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.'
