Just wondering about Pat’s assertion that with all those contributions you automatically get NHS treatment in the UK.
I was told quite firmly that this wasn’t the case and that I would need a Euro Health Card as all costs would be referred back to my country of residence, France.
Now I realise that you may be talking about if you went back to UK to live, but would that be automatic from day one? I wouldn’t have thought so.
Incidentally the first time I applied for a French EHIC here I was told that I couldn’t have one as I would get free treatment in UK (they ask you where you are going). So I applied again and told them I was going to Ireland. Job done.