Updated : 02/10/2014
There are two ways to cover the costs:
However, if you are being treated in a country where patients usually pay for treatment and are then reimbursed by their health insurer, you may have to first bear some costs. You should then seek reimbursement from the authorities in the country where you are treated. They will reimburse you directly at the same rates as local residents. Alternatively, you can ask your insurer for the reimbursement when you get back home.
If the reimbursement rate for the treatment you received abroad is higher in the country where you are insured, you are entitled to a supplementary reimbursement from your health insurer to cover the difference.
You might still have to apply for prior authorisation - check with your National Contact Point.
Xavier wants to receive regular dental treatment (which is covered by his health insurance) in Member State Y. However the cost of that treatment in the other Member State is higher than the cost at home. Xavier wants the full cost to be covered, so must apply to his insurer for prior authorisation. Once he receives it he can go abroad and get the treatment without having to pay upfront as the full cost will usually be reimbursed directly between the institutions involved.
Yvonne wants to receive the same dental treatment, again in Member State X. She wants to get the treatment as soon as possible. Yvonne checks with the National Contact Point to see if she still has to apply for prior authorisation and finds that she doesn't have to do so. She therefore goes abroad and gets the treatment. Yvonne pays herself and claims back some reimbursement on her return.
Agata wants to get her complex surgery performed in Member State Y by a provider contracted to the public health system. Since this surgery is subject to prior authorisation under either the direct payment or reimbursement routes, she applies for prior authorisation and either gets the cost covered directly by the institution or claims the reimbursement when she gets back home.
Bernard wants the same surgery, also in Member State Y, but from a private provider. In this case he must still apply for authorisation, but the direct payment option does not apply. Bernard must pay the cost of treatment and then claim reimbursement. He will usually receive it up to the level applied in his home country for the same kind of treatment.
Whichever option you choose, your health insurer cannot refuse your request for prior authorisation if:
You can find out more about relevant costs and reimbursements either directly from the healthcare provider or from the National Contact Point of the EU country where you want to be treated.
Useful national addresses and websites:
Get in touch with specialised assistance services