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  #61  
Old 01.07.2017, 19:52
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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You are right - must move back home this year. Too long out of the system.
Time flies. Cannot even vote now.
It was only by luck that my mothers doctor still knew me that I got looked after last time.
Back home in 2 weeks and will put some roots down again.

You'll get back into the swing - just get on the electoral role ASAP - it helps with all sorts of things, from getting car insurance upwards. It's part of a very useful paper trail!
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  #62  
Old 01.07.2017, 19:53
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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You're could have made contributions to AVS voluntarily. My ex husband paid in every year he lived abroad.
Exactly - we kept up our NI payments when in CH. Very important.
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  #63  
Old 01.07.2017, 21:31
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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You're could have made contributions to AVS voluntarily. My ex husband paid in every year he lived abroad.
Of course I could have - I was 19, handicapped, then a young mum and later a mature student with 2 kids- with mortgage interest of 19.5% - paying Swiss AVS (never ever intended to ever be back) was hardly on my mind, or a priority and pre EU too. If you are already in the system, and go and live abroad for some time, I guess it makes sense to continue to pay. I was never in the system.

But yes, hey, hindsight, and all that ... OH of course wouldn't have had that choice anyhow. But thanks for the advice

Last edited by Odile; 01.07.2017 at 21:49.
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  #64  
Old 01.07.2017, 21:35
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Well, I only found out 10 years after I left my home country that I could pay in.... and then it was too late
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  #65  
Old 01.07.2017, 21:43
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

I planned to be dead at 55 - did not work out
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  #66  
Old 01.07.2017, 23:51
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Of course I could have - I was 19, handicapped, then a young mum and later a mature student with 2 kids- with mortgage interest of 19.5% - paying Swiss AVS (never ever intended to ever be back) was hardly on my mind, or a priority and pre EU too. If you are already in the system, and go and live abroad for some time, I guess it makes sense to continue to pay. I was never in the system.

But yes, hey, hindsight, and all that ... OH of course wouldn't have had that choice anyhow. But thanks for the advice

My ex was not 'someone who went away for a few years intending to return '. He was a Swiss citizen of Swiss citizen parents and grandparents born and breed, who lived abroad most of his life except for two years in high school and he was 'in the system'. Considering you had already worked before you left, I imagine you were 'in the system' too.

I have no problem with your choices. Don't really care actually. They are yours....

however I did find this quote a bit OTT, as if you were being denied your birth right when it's possible to be connected to your country and contribute while you are away. Not every country allows that. I would guess most don't.

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Certainly wished as a Swiss born and bred, of Swiss parents, grand-parents, etc - I would be entitled to Swiss AVS pension- but I certainly don't. Which is fair enough as I have not contributed (bar a few months when 19)...
PS making contributions to the Swiss AVS is not on any way related to the EU.... but whatever.
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  #67  
Old 02.07.2017, 00:25
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Yes, thanks again. From a hospital bed in traction for months, no phone, no internet - and then in a wheelchair back to UK and stuck on the top of a Victorian building without a phone or internet ... it was indeed not my priority - dear- whatever.
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Old 02.07.2017, 01:30
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Dear Odile, did you pay KK in Switzerland when you first went to England?
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  #69  
Old 02.07.2017, 02:33
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Dear Odile, did you pay KK in Switzerland when you first went to England?
There was no requirement to have any, so unlikely based on her other responses.
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Old 14.07.2017, 18:43
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

This is the latest from my friend

If you are are a British citizen and have activated your British pension you don't need to pay CH KK. If you move back on a contract and you are not a pensioner you do? ???
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  #71  
Old 14.07.2017, 18:53
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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This is the latest from my friend

If you are are a British citizen and have activated your British pension you don't need to pay CH KK. If you move back on a contract and you are not a pensioner you do? ???
That would be correct if drawing a Swiss OAP as the country paying the OAP is responsible for health cover.

I actually like the possible of being able to buy Swiss Health insurance if needed at the last minute regardless of your health.
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  #72  
Old 14.07.2017, 18:57
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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That would be correct if drawing a Swiss OAP as the country paying the OAP is responsible for health cover.

I actually like the possible of being able to buy Swiss Health insurance if needed at the last minute regardless of your health.
I no longer consider anything you say. You are not the person I thought you were.
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  #73  
Old 14.07.2017, 19:24
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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I no longer consider anything you say. You are not the person I thought you were.
Could you explain further?
You do realise Swiss health insurance companies are up chf 35,000 in premiums I have paid with zero pay out ever.... ? So even if I sign up for a triple heart bypass they will still be in profit!
From memory you have only ever given me red rep, so weird answer at best.

Last edited by fatmanfilms; 14.07.2017 at 19:41.
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  #74  
Old 14.07.2017, 21:50
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Dear Odile, did you pay KK in Switzerland when you first went to England?
Sorry Oldhand - missed that. Been really busy with visitors.

I went to UK just after finishing school (Abi + trilingual secretarial course)- then came back for a short while after my contract ended and worked for a short while as a temp - but then had that horrible car crash and spent the next 7 months + in hospital. So I did pay for a few months, that's all. Was married - in hospital here- then went to London to join new husband, wheelchair bound and handicapped for a couple of years. Worked for a short while then became a mum. Went to Uni after children- taught from age 32, all in uk. (and yes, I am aware this story is a bit complicated for some- but it does not make it any less real those who are friends here know that well ).

I did get a letter giving me the option to pay into Swiss system - we were really struggling with me as a student- and mortgage sky high ... never ever intended to go back to CH- so decided not to. As said before, hindsight and all that hey

Last edited by Odile; 14.07.2017 at 23:00.
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  #75  
Old 10.09.2017, 19:04
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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That would be correct if drawing a Swiss OAP as the country paying the OAP is responsible for health cover.
Yes, as far as I understand it, this is so if the person drawing the Swiss pension resides in a European EU/EFTA country.

However, a person with a Swiss pension who moves out of EU/EFTA seems to be dropped out of this net.

Does anyone have experience of [a pensioner's] continuing Swiss medical cover while going to reside outside of EU/EFTA?
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  #76  
Old 11.09.2017, 01:28
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

I thought that it depends on the economic relationship between countries.
That the US, UK and CH have agreements- all communicate to find out what you paid into the state system, where you paid in and what you are entitled to, then they decide which country pays.
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  #77  
Old 23.07.2018, 19:01
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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This is the latest from my friend

If you are are a British citizen and have activated your British pension you don't need to pay CH KK. If you move back on a contract and you are not a pensioner you do? ???
I thought I would revive this thread to share our experience of trying to cancel our health insurance. Hopefully it may help some other retired Brits trying to return to the old country.

Hubby is retired, I am not of pension age but I don't work in Switzerland.
We are (very sadly ) leaving Switzerland in September and hubby phoned our health insurance provider to ask how to cancel our insurance.

He was told that it isn't possible for him (I was ok apparently) and he would have to keep on paying into the Swiss insurance system.

After a weekend of worrying, he rang the KVG office in Solothurn, and was told that as he has pensions from Switzerland and also the UK, there was no problem, we can cancel our health insurance when we leave.
So we can afford to return home. Phew!

Hope this puts some of your minds at rest.
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  #78  
Old 23.07.2018, 19:19
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Thank you for sharing- I am sure it will be very useful for some.
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  #79  
Old 23.07.2018, 21:24
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Swiss OAP can be taken from age 63 where most people won't be able to get a UK one till aged 67.

Basic Swiss Health insurance is a fabulous deal for Old people wanting private insurance as it's not based on age or existing health conditions, well worth having looking forward to being eligible.
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Old 31.07.2018, 15:07
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Sorry to revive an old thread, not sure where to post.

I am notifying my departure from Switzerland for 31st August. I am not a retiree, but I am interested in keeping my Swiss health insurance for 4 months after I leave (until 31st Dec.) and possibly longer.

Has anyone had any experience of notifying departure and keeping health insurance going? I have already paid until the end of the year in any case. Or is it that I obliged to keep it?

As I understand it unless I inform the health insurer that I am leaving they won't know about it for quite a while and will be happy to accept payment of monthly or yearly premiums.
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