Get a GHIC card

The UK global health insurance card (GHIC) allows holidaymakers to use state healthcare in European countries, so it is invaluable if you fall ill or are injured while abroad. It was introduced to replace the European health insurance card (Ehic) when the UK left the EU. If you still have one, there may be no need to replace it straight away – it will be valid until its expiry date.

But while the GHIC is there to help in an emergency, Graeme Trudgill, the executive director of the British Insurance Brokers’ Association, says: “Don’t make the