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    Howard, you are quite right. The EHIC entitles the holder to healthcare on the same basis as would be applied to local residents, so if they pay, so do you. It does not afford free healthcare (other than for NHS type systems). In the case of France, they typically pay around 20-30% co payment. Without the EHIC, you would pay 100% as a non resident.

    Spain were involved in shoddy practice for a number of years whereby they insisted on health insurance, rather than the EHIC - refusing it in a huge number of cases. The rationale was that they would charge the patient as they got the money upfront - and sold it to the patient as not making any difference. Of course, it did, as the patient would at best have to pay an excess and at worse, have the entire claim rejected - as is the want of insurance companies. The European Commission put a stop to this and threatened to take Spain to court.

    The one to watch will be the land border between North and South Ireland - extremely interesting how that plays out.

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