British holidaymakers are risking their health while abroad due to concerns over the cost of overseas healthcare and insurance, a new survey has shown.

A new study released today by the Department of Health (DoH) reveals that while almost half of British travellers have become ill or injured on holiday, 35 per cent of these have delayed, often essential, medical treatment until they return home.

The main reasons given for not seeking treatment abroad are concerns about the potential cost and lack of travel insurance.

The research also found that many travellers have admitted to buying treatment over the counter despite not understanding their purchase due to language barriers and unfamiliar terms.

However, a valid European Health Insurance Card (EHIC) will entitle British tourists to reduced cost or free healthcare in most European countries.

But travellers are also warned the EHIC is not a replacement for travel insurance – as it will not cover costs such as repatriation in the event of a major accident.

And nor are accidents the sole preserve those heading to the slopes or taking part in extreme sports. A slip on a curb could end up being as costly as a trip on the piste.

The DoH study showed that nearly three in five people claim to have an EHIC, but 68 per cent of these are unaware of its expiry date.

Almost 3.3 million EHICs will have expired by the end of March 2009. Travellers with out-of-date EHICs who require medical treatment will have to cover the cost themselves or claim on their travel insurance.

Dr Hilary Jones, GMTV's resident GP, commented: "I'm concerned that so many holidaymakers are needlessly putting their health at risk, when a valid EHIC will provide them with access to reduced cost or even free treatment. By delaying treatment until you return home, you are potentially allowing a condition to worsen in the meantime.

"Nobody should ever take any medicines, even those sold over the counter in a pharmacy, if they don't understand the labelling, dosing guidance or warnings on side-effects. This is reckless behaviour and could lead to serious harm.

He added: "If you're travelling in Europe, it is vital that you carry a valid EHIC, as well as comprehensive travel insurance. The last thing you want to be thinking about when you're on holiday is paying unnecessary medical bills, which could cost thousands of pounds.

"The EHIC card will give you peace of mind that you'll be looked after if something does go wrong - but only if it is in date. Check your EHIC now to ensure it has not expired - it's quick and easy to apply for a new card."