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Old 10.10.2019, 06:44
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Health insurance visiting UK after Brexit

I am a UK citizen and been here in CH more than 10 years. I visit UK 2 or 3 times a year. Up until now I have never taken out any additional insurance relying on my Swiss KVG card.

Anyone know what the case is after Brexit ?
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Old 10.10.2019, 07:29
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Re: Health insurance visiting UK after Brexit

Have you ever been to the doctor in the UK during your visits?

We're similar, back there multiple times per year, been to the doctor/hospital many times, one of the kids seems to get sick every time we travel. Never - ever are they interested in our insurance details. We tell them we're not residents, we should pay, we are insured.. Not interested. They even give us free medicine in the pharmacy.

I wouldn't worry .. Plus our swiss medical insurance actually covers you abroad up to the value of what it would cost here.. The balance is then covered by supplementary, if you have that . It's not just a blue EU card.
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Old 10.10.2019, 07:59
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Re: Health insurance visiting UK after Brexit

Agree, check your Swiss Insurance. We have a supplemental option that covers us worldwide (with some limitations) for a few francs a month.

I would be cautious expecting NHS coverage for non-residents to exist indefinitely. The NHS will be under increased pressure to cut costs and this is low hanging fruit.
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Old 10.10.2019, 08:32
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Re: Health insurance visiting UK after Brexit

NHS coverage doesn't cover (legally) non residents. My experience has been that I tell the secretary of the practice I'm non-resident, and then we get a private appointment - usually with less waiting...

But I expect nothing to change either way post brexit.
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Old 10.10.2019, 11:04
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Re: Health insurance visiting UK after Brexit

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NHS coverage doesn't cover (legally) non residents. My experience has been that I tell the secretary of the practice I'm non-resident, and then we get a private appointment - usually with less waiting...

But I expect nothing to change either way post brexit.
https://www.gov.uk/guidance/nhs-enti...e#free-for-all

Primary care services are actually free for all.

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GP and nurse consultations in primary care, treatment provided by a GP and other primary care services are free of charge to all, whether registering as an NHS patient, or as a temporary patient, which is when the patient is in the area for more than 24 hours and less than 3 months.
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Old 10.10.2019, 11:37
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Re: Health insurance visiting UK after Brexit

Basic health insurance will cover expenses up to twice the cost of Switzerland, so it's not going to be an issue other than paying an excess if you need major treatment.
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Old 10.10.2019, 12:06
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Re: Health insurance visiting UK after Brexit

https://www.bbc.com/news/newsbeat-49989227

I read this and it says that only Spain out of 31 (including Switzerland) have vowed to carry on the EHIC recognition.

I also had a friend a year or so back who got landed with a 2K bill for treatment at a hospital. He has been resident in Thailand for more than 20 years and was visiting UK.

I was surprised to read that primary care was free for all
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Old 10.10.2019, 12:12
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Re: Health insurance visiting UK after Brexit

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I also had a friend a year or so back who got landed with a 2K bill for treatment at a hospital. He has been resident in Thailand for more than 20 years and was visiting UK.
I think your friend might have been affected by this...

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People who live outside the EEA, including former UK residents, should now make sure they are covered by personal health insurance, unless an exemption applies to them. Anyone who does not have insurance will be charged at 150% of the NHS national tariff for any care they receive.
https://www.gov.uk/government/public...-hospital-care
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Old 10.10.2019, 12:24
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Re: Health insurance visiting UK after Brexit

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https://www.bbc.com/news/newsbeat-49989227

I read this and it says that only Spain out of 31 (including Switzerland) have vowed to carry on the EHIC recognition.

I also had a friend a year or so back who got landed with a 2K bill for treatment at a hospital. He has been resident in Thailand for more than 20 years and was visiting UK.

I was surprised to read that primary care was free for all
Primary care is putting an elostaplast on a finger, staying in hospital overnight is not free.
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Old 10.10.2019, 12:33
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Re: Health insurance visiting UK after Brexit

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Primary care is putting an elostaplast on a finger, staying in hospital overnight is not free.
It's any emergency care - free as in they won't want your credit card details whilst you're leaking onto the floor.
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Old 10.10.2019, 15:31
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Re: Health insurance visiting UK after Brexit

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It's any emergency care - free as in they won't want your credit card details whilst you're leaking onto the floor.
From my understanding it's what they can provide in the A&E department, you will not get a free triple heart bypass, once you are admitted into hospital you are spending money.
It's similar in France, the first help received in Hospital by SMUR is 65% free & you pay 35%. Once you are a hospital patient you pay in full. The French only enquired about payment for my accident on the 10th day before release. It took them a further 6 weeks to provide an invoice. For the avoidance of doubt I don't hold an EHIC card, if I did then 80% of the hospital bills would have been covered. I suspect had the hospital not assumed I had an EHIC card being British would have asked earlier.
The ambulance going home required paying in cash

This might help "National Health Service (NHS) care is provided in two main ways: primary care (GPs and community services) and secondary care (hospitals and specialists). Primary care is the day-to-day healthcare available in every local area and the first place people go when they need health advice or treatment."

Last edited by fatmanfilms; 10.10.2019 at 15:42. Reason: Added this might help
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Old 10.10.2019, 16:05
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Re: Health insurance visiting UK after Brexit

EHIC covers urgent (not just emergency) treatment needed whilst you're travelling in the EU plus Norway, Iceland and Switzerland (and one more I think). It covers you to the same extent as other citizens of the country you're visiting and is intended to cover you if you fall ill or have an accident whilst visiting the country concerned.
What happens post-Brexit? The BBC article covers UK EHIC card holders travelling abroad, not the other way round, that is EU (plus Switzerland in this case) inhabitants visiting the UK.
My 2 cents is that this is one of the 2 million items that no-one in the UK thought about when signing up for Brexit and that there is probably no clear answer (deal or no-deal).
That said, you're going to be largely covered by your Swiss health insurance, which covers you for up to twice the cost of similar treatment in Switzerland. With the costs we have here, you're certainly well covered in the UK. The only problem may be a cash-flow issue, whereby you may have to pay for the treatment and claim it back from your health insurance when you return.
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Old 10.10.2019, 16:23
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Re: Health insurance visiting UK after Brexit

whilst you're travelling in the EU plus Norway, Iceland and Switzerland (and one more)

Liechtenstein
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Old 11.10.2019, 10:08
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Re: Health insurance visiting UK after Brexit

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It's any emergency care - free as in they won't want your credit card details whilst you're leaking onto the floor.
Even in the US they won't let you actually die if you've left your credit card at the hotel.
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Old 13.10.2019, 21:46
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Re: Health insurance visiting UK after Brexit

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Even in the US they won't let you actually die if you've left your credit card at the hotel.



In the UK they'll try to convince non-residents to pay. I think there's no legal obligation to pay.


I usually couldn't get an appt as a resident in the UK so I have no idea how I'd do it as a non-resident. Probably go to A&E like everyone else.
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Old 13.10.2019, 22:03
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Re: Health insurance visiting UK after Brexit

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I usually couldn't get an appt as a resident in the UK so I have no idea how I'd do it as a non-resident.
Tell 'em you're non-resident, and go private. Then claim from your insurer.
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Old 13.10.2019, 22:05
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Re: Health insurance visiting UK after Brexit

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Tell 'em you're non-resident, and go private. Then claim from your insurer.

I tried to get a blood test done last time. Told them I was non-res and they told me to p off.
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Old 14.10.2019, 03:05
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Re: Health insurance visiting UK after Brexit

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Tell 'em you're non-resident, and go private. Then claim from your insurer.
Have you ever actually tried to do this? As far as I can see on my insurance T&C, if it was not something covered under EHIC, in other words a medical emergency, you cannot claim anything.
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Old 14.10.2019, 09:00
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Re: Health insurance visiting UK after Brexit

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Have you ever actually tried to do this? As far as I can see on my insurance T&C, if it was not something covered under EHIC, in other words a medical emergency, you cannot claim anything.
Claim under Swiss Health insurance which will pay out twice the cost of the treatment in Switzerland was the intent of the poster.
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