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Old 30.06.2017, 16:49
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Pension from Switzerland and continued Health Ins payments after leaving the country?

My friend a British passport holder is leaving Switzerland at the end of July. She's been told that as she has a Swiss pension and she's moving to an EC or Efta country she has to continue paying Swiss medical insurance.

It seems some neighboring countries are exempt but not UK. She will also have a British pension. Has anyone heard about this or experienced it?

I've been trying to find some concrete info and up to now this is all I've found.

https://www.bag.admin.ch/bag/de/home...gspflicht.html
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Old 30.06.2017, 17:07
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

This thread may help:

https://www.englishforum.ch/insuranc...s-s1-e121.html

and particularly this link:

https://www.kvg.org/stream/en/downlo...-0--0--332.pdf

Basically, yes if she's getting a Swiss pension she has to pay Swiss health insurance.
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Old 30.06.2017, 17:30
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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This thread may help:

https://www.englishforum.ch/insuranc...s-s1-e121.html

and particularly this link:

https://www.kvg.org/stream/en/downlo...-0--0--332.pdf

Basically, yes if she's getting a Swiss pension she has to pay Swiss health insurance.
Even if she is resident in the UK? I would be mightily pissed off if we ever decided to move back to the UK and had to continue paying Swiss health insurance.

Those links seem to refer to people who are resident in Switzerland.
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Old 30.06.2017, 17:36
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

She only has a very small Swiss pension and a small British one. She's moving as she can't afford to live here on that money, unless she goes to social security. She retired in February and has only stayed this long as she had to finish her treatment for breast cancer.
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Old 30.06.2017, 17:42
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

I'm hoping that as her pension is split she will be exempt. It's just trying to find the info.
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Old 30.06.2017, 17:50
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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I'm hoping that as her pension is split she will be exempt. It's just trying to find the info.
The rule is that the state that pays the biggest portion of you pension is also responsible for your health cover, unless you are also a citizen of the state where you are resident and qualify for healthcare as a result.

Of course with BREXIT looming it is anyones guess how this will change for UK citizens.
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Old 30.06.2017, 17:53
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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The rule is that the state that pays the biggest portion of you pension is also responsible for your health cover, unless you are also a citizen of the state where you are resident and qualify for healthcare as a result.

Of course with BREXIT looming it is anyones guess how this will change for UK citizens.
So as a citizen of the UK who will be moving to live in the UK she should technically be exempt from paying Swiss health insurance as she will be covered by the NHS.
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Old 30.06.2017, 17:57
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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She only has a very small Swiss pension and a small British one. She's moving as she can't afford to live here on that money, unless she goes to social security. She retired in February and has only stayed this long as she had to finish her treatment for breast cancer.
If her total income is less than CHF 3'000 per month, has lived here for 10 years, and has a 'C' pass, she would be entitled to apply for Swiss supplementary benefits, Ergänzungsleistung, EL

https://www.prosenectute.ch/de/ratge...stuetzung.html

https://www.ch.ch/de/erganzungsleistungen/

Then she could move to an economical apartment and remain here.
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Old 30.06.2017, 17:59
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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I'm hoping that as her pension is split she will be exempt. It's just trying to find the info.
If you do please post the info as we're also going to be on split pensions and there's always the chance we may have to move back to the UK in the future.

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The rule is that the state that pays the biggest portion of you pension is also responsible for your health cover, unless you are also a citizen of the state where you are resident and qualify for healthcare as a result.

Of course with BREXIT looming it is anyones guess how this will change for UK citizens.
Yes, that's another thing that's going to have to be renegotiated.

Jim2007 any link to that rule? I couldn't find one when I looked for the previous thread though baboon mentioned that they thought that was the case. Still if we did ever move back to the UK we are UK nationals so presumably would qualify?
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Old 30.06.2017, 18:52
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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If her total income is less than CHF 3'000 per month, has lived here for 10 years, and has a 'C' pass, she would be entitled to apply for Swiss supplementary benefits, Ergänzungsleistung, EL

https://www.prosenectute.ch/de/ratge...stuetzung.html

https://www.ch.ch/de/erganzungsleistungen/

Then she could move to an economical apartment and remain here.
No, Ergänzungsleistungen are paid only to people who have their domicile in Switzerland. This domicile must be in the meaning of being registered (angemeldet) and also in a de facto sense of having one's life focuses here (Lebensmittelpunkt).

Therefore, anyone entitled to Ergänzungsleistungen automatically forefits them by moving away from Switzerland.

https://www.ch.ch/en/retirement-abroad/
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Old 30.06.2017, 18:56
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Here's some info about medical insurance for persons drawing a Swiss old-age pension, and moving away from Switzerland.

It is in German. Sorry, no time to translate now.
https://www.kvg.org/stream/de/downlo...-0--0--113.pdf
For "Grossbritanien", see Paragraph 6.2., 6.3, and the table below, about who can choose to be insured in their country of residence, and who is obliged to remain insured in Switzerland.

See also, in English: https://www.sem.admin.ch/dam/data/se...zialvers-e.pdf which is, however, for non-EU, non-EFTA.

Here's one, in English, about moving to an EU or EFTA state: https://www.ahv-iv.ch/p/880.e

Last edited by doropfiz; 30.06.2017 at 19:38. Reason: adding a link
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Old 30.06.2017, 19:48
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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No, Ergänzungsleistungen are paid only to people who have their domicile in Switzerland. This domicile must be in the meaning of being registered (angemeldet) and also in a de facto sense of having one's life focuses here (Lebensmittelpunkt).

Therefore, anyone entitled to Ergänzungsleistungen automatically forefits them by moving away from Switzerland.

https://www.ch.ch/en/retirement-abroad/
I hate to defend Sbrinz, but I’m pretty sure that’s what “remain here” means. Even if the OP made it clear that her friend is moving back.
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Old 30.06.2017, 19:55
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Seems like people who worked in Switzerland have to pay the insurance when living in the UK, but any family members who didn't work can choose to be insured in the UK. This is the French version:

https://www.kvg.org/stream/fr/downlo...-0--0--113.pdf
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Old 30.06.2017, 19:56
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Yes, Corbets, you are right.
Sorry, Sbrinz, I mis-read your post. Yes, it makes sense as you wrote it. And indeed, that would be a financially secure way to do things.
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Old 30.06.2017, 20:07
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Seems like people who worked in Switzerland have to pay the insurance when living in the UK, but any family members who didn't work can choose to be insured in the UK. This is the French version:

https://www.kvg.org/stream/fr/downlo...-0--0--113.pdf
Which all seems a bit crap to me. Why should you have to pay for insurance that you are never going to use because you are covered in your country of residence just because you draw a Swiss pension?
It's quite frankly ridiculous.
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Old 30.06.2017, 20:39
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Which all seems a bit crap to me. Why should you have to pay for insurance that you are never going to use because you are covered in your country of residence just because you draw a Swiss pension?
It's quite frankly ridiculous.
Agree, especially since if we do move back to the UK we're citizens so entitled to the NHS anyway and will have UK pensions too. So why does hubby have to pay for Swiss health insurance while I won't?

And it could all change after Brexit anyway.
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Old 30.06.2017, 20:46
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Agree, especially since if we do move back to the UK we're citizens so entitled to the NHS anyway and will have UK pensions too. So why does hubby have to pay for Swiss health insurance while I won't?

And it could all change after Brexit anyway.
Nothing to do with citizenship, all UK residents entitled to NHS.

If your insured from CH then you can go privately in the UK. If the UK pension is bigger then you should be exempt from CH insurance.
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Old 30.06.2017, 20:48
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

Aren't all these documents talking about Swiss pensioners moving abroad?

It seems crazy as BM says, that if British people move back to the UK, they will have to pay Swiss health insurance.

It could mean that we can't afford to live in Switzerland or back home in the UK.
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Old 30.06.2017, 20:50
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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I hate to defend Sbrinz, but I’m pretty sure that’s what “remain here” means. Even if the OP made it clear that her friend is moving back.
UK definition of domicile is totally different to the Swiss definition, the CH one is where you live unlike the Brutish one which is virtually impossible to lose.
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Old 30.06.2017, 21:09
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Re: Pension from Switzerland and continued Health Ins payments after leaving the coun

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Jim2007 any link to that rule? I couldn't find one when I looked for the previous thread though baboon mentioned that they thought that was the case. Still if we did ever move back to the UK we are UK nationals so presumably would qualify?
Sorry I don't at the moment, I just remember reading it somewhere and thinking - oh boy another time bomb waiting to go off...

Last edited by 3Wishes; 30.06.2017 at 21:22. Reason: fixed quote
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