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Old 28.09.2021, 19:27
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bringing aging parent from UK to CH

hi, do any of you have experience bringing your aging parent to live in Switzerland? Especially if they need to go into a senior care home.
i am aware of the process for the basic health care through the kvg Gemeinsame Einrichtung and the form s2 i need from the uk. i am however looking for further info on obtaining additional support for my mothers care.

any tips would be much appreciated.

thanks
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  #2  
Old 29.09.2021, 09:35
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Re: bringing aging parent from UK to CH

My first stop would be an appointment with AHV/IV. I am sure they can point you in the right direction and let you know how they would support her.
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Old 29.09.2021, 09:39
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Re: bringing aging parent from UK to CH

Got enough money to cover ALL the costs ?
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Old 29.09.2021, 09:46
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Re: bringing aging parent from UK to CH

I don't think this will be easy. Especially now that the UK is third country nationals and no longer UK.
Maybe check Meloncollies post. She was looking into bringing her parents over from the US. That was a couple of years ago. She didn't in the end.

Do your parents speak any German? How will the talk to the other people in the care home? They will be very lonely. I wouldnt do it.
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Old 29.09.2021, 10:12
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Re: bringing aging parent from UK to CH

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My first stop would be an appointment with AHV/IV. I am sure they can point you in the right direction and let you know how they would support her.
thank you all for the tips.

Super thanks Juliet31 will talk to the AHV/IV first.

My mum is German so language is not an issue, she is living in Germany at the moment. Her health insurance and social services are provided to her as a "serviced foreigner" by one of the German Health Insurances, as a long time UK resident as part of the european agreement. She left the Uk about 10 years ago which may make a difference. I will investigate.
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Old 29.09.2021, 10:20
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Re: bringing aging parent from UK to CH

BTW, it is Form S1 for health insurance exemption, not S2.

You should really contact Lamal in Olten and ask them direct.

Have your parents got any savings or a house to sell- as then they would have to pay for the Care home themselves anyhow, and only have some of the health costs covered.

If your mum was not a UK resident and tax payer, or getting a pension from the UK- I don't see how S1 would help here?

If your mum is German and lived in Germany, than the UK has nothing to do with this. Or does she have a pension from UK and lived there for most of her life?

Last edited by JackieH; 29.09.2021 at 11:37.
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Old 29.09.2021, 10:32
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Re: bringing aging parent from UK to CH

You might want to check how Brexit affects this. I know those who were in a Switzerland before Brexit get continued health care - but not sure it works the same for those coming afterwards. And if your mum leaves Germany post Brexit, she might lose health care agreements there too.
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Old 29.09.2021, 12:42
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Re: bringing aging parent from UK to CH

update to share

KVG
https://www.kvg.org/en/home.html
with a new S1 form issued by the Oversseas helath Services Newcastle for Switzerland my mother would be covered with the basic healthcare (Grundversicherung). They will also cover care costs paid to the provider directly once the GP has issued the "prescription" and has validated the level of care that is required.

ahv/iv
most of that is means tested with the cut of being 100,000 CHF in savings or income. The only non means tested help is the disabillity allowance; of which there are three levels. which will need to be applied for.

Overseas health services newcastle
at the moment with the currrent withdraw agreement my mum would still be eligible for a new S1 for Switzerland. process of cancelling and applying for a new S1 can take up to one month. NOTE: they require your EHIC card back, so don't throw that away!

so there are possibilities of financial support and as we know it will require extra funds to cover the higher Swiss costs.
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Old 29.09.2021, 12:47
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Re: bringing aging parent from UK to CH

thanks Jackie, my parents lived nearly 40 yrs in the uk and she gets a uk state pension.
yes it is the S1 rather than the S2 as i just found out.
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Old 29.09.2021, 12:52
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Re: bringing aging parent from UK to CH

The medical care will be provided to a large extent, but it is the cost of the Care Home which will not be, at least to a large extent.

Have you had a look at the cost of Care Homes in your region? The costs are astronomical!
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Old 29.09.2021, 13:02
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Re: bringing aging parent from UK to CH

This is tricky. Since you were here before Brexit you should still fall under the EU family reunification rules I think.

https://www.ch.ch/en/family-reunification-eu-efta/

However, the financial support may be a problem if your mother needs to be in a care home. You may not be granted the family reunification permit if the authorities decide your finances, not hers, are not up to supporting her properly.
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Old 29.09.2021, 13:19
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Re: bringing aging parent from UK to CH

thank you also really helpful, i hadn't considered that process.
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Old 29.09.2021, 13:39
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Re: bringing aging parent from UK to CH

the cost of the 'Hôtel' part, eg accommodation and food can be up to 100.000 per year and more- totally seperate from medical care.

Mind you, is is almost as bad and often with much lower quality- in the UK. Not sure about Germany.
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Old 29.09.2021, 16:37
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Re: bringing aging parent from UK to CH

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ahv/iv
most of that is means tested with the cut of being 100,000 CHF in savings or income. The only non means tested help is the disabillity allowance; of which there are three levels. which will need to be applied for.
This part doesn't sound right, to me.

IV is the Invalidenversicherung. It is the insurance that provides disability pensions to disabled persons under the legal retirement age.
https://www.ch.ch/en/invalidity-insurance/

AHV is the Alters- und Hinterlassenenversicherung. It is the insurance that provides retirement pensions to persons over the legal retirement age.
See https://www.ch.ch/en/ahv/

To be eligible for these pensions, the person must have contributed to the AHV social security, typically by means of a deduction from their salary during their working lives.

Neither of them is means-tested in any way. They are measured only in terms of one's contributions and the number of contribution years.

There are supplementary benefits (called "Ergänzungsleistungen" in German). They are a top-up if the IV or AHV pension is too low to cover one's living costs, for example by not being able to fund one's own old-age home. The assessment for these Ergänzungsleistungen is, indeed, means-tested, such that one must effectively first use up almost all of one's assets before becoming eligible. Even so - as I understand it, they are available only to recipients of a Swiss IV or AHV pension.
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Old 29.09.2021, 16:47
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Re: bringing aging parent from UK to CH

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the cost of the 'Hôtel' part, eg accommodation and food can be up to 100.000 per year and more- totally seperate from medical care.
Yes, this. Here's a broschure setting out the costs:
https://www.spitalfmi.ch/fileadmin/i...tritt_2021.pdf
Dieses Papier soll Ihnen helfen Fragen, rund um den Heimeintritt zu klären. Es befasst sich ausführlich mit der Finanzierung des Heimaufenthaltes.
Heute leben ältere Menschen solange wie möglich zu Hause, oft unterstützt von der Familie, Freunden, Bekannten und der Spitex. Der Heimeintritt findet erst statt, wenn die pflegerische Unterstützung zu Hause mit diesen Hilfen nicht mehr gewährleistet werden kann.
Heute gibt es keinen Unterschied zwischen Alters- und Pflegeheimen. Beide können die benötige pflegerische Unterstützung gewährleisten.


This paper is intended to help you clarify questions relating to home entry. It deals in detail with the financing of the home stay.
Today older people live at home as long as possible, often supported by family, friends, acquaintances and the Spitex. Entry into the home only takes place when the nursing support at home can no longer be guaranteed with these aids.
Today there is no difference between retirement and nursing homes. Both can guarantee the necessary nursing support.

There's also some advice available available here, through the fmi (regionale Spitalzentrum in Frutigen, Meiringen, Interlaken):
https://www.spitalfmi.ch/de/spital-f...meintritt.html
or from these social workers:
https://www.spitalfmi.ch/de/spital-f...lberatung.html


If needed, please use deepl or google translate. Sometimes they produce slightly different results, so I find that using both can bring clarity.

Good luck with your research!
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Old 29.09.2021, 16:50
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Re: bringing aging parent from UK to CH

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This is tricky. Since you were here before Brexit you should still fall under the EU family reunification rules I think.

https://www.ch.ch/en/family-reunification-eu-efta/

However, the financial support may be a problem if your mother needs to be in a care home. You may not be granted the family reunification permit if the authorities decide your finances, not hers, are not up to supporting her properly.
I understood that the mother is, herself, a German citizen. Therefore, I'd think that she does not need a family reunification permit, at all. As a retired, EU citizen, she is free to move to Switzerland, as long as she can support herself. Or, perhaps, if her children, living in Switzerland, will support her.
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