Visiting the UK and wondering if you’ll have to pay for a doctor’s visit? You’re not alone. The NHS does offer some free services to visitors, but the rules can feel confusing. Below you’ll get the basics: who qualifies, what’s free, what you’ll likely pay, and how to avoid surprise bills.
If you’re from an EU country, you can still use your European Health Insurance Card (EHIC) or its UK replacement, the GHIC. With that card, most urgent care – like A&E, emergency ambulance rides, and essential treatment – is free. The same applies to visitors from countries that have a reciprocal health agreement with the UK, such as Australia, New Zealand, Switzerland, and a few others.
Travelers without an EHIC/GHIC or a reciprocal agreement are treated as private patients. That means you’ll be charged the standard NHS rates for anything you use, from a simple GP visit to a night in a hospital.
One quick tip: if you’re staying in the UK for more than six months, you can register with a local GP just like a resident. You’ll still need to pay for most services, but having a GP makes follow‑up care much easier.
Free services (with EHIC/GHIC) cover:
What you’ll pay for:
Even if you’re covered by EHIC, a doctor can still charge you for non‑essential services, like a cosmetic procedure or a private‑room upgrade. Always ask before any treatment starts.
Travel insurance is a smart backup. It can cover the costs you’d otherwise pay out‑of‑pocket, and many policies will reimburse you for NHS charges that aren’t free. When choosing a policy, look for “medical repatriation” and “NHS fee reimbursement” clauses.
If you end up with a bill, you can pay it directly at the hospital or GP practice, or you can claim a refund through your travel insurance. Keep all receipts – they’re the key to getting reimbursed.
Bottom line: bring a GHIC/EHIC if you have one, buy solid travel insurance, and ask about charges before any treatment. That way you’ll enjoy your UK trip without a surprise medical bill.
