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Old 13.04.2020, 14:20
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Any other British or EU retirees who get Lamal insurance via Form S1

We are looking to form a group with others who rely on Form S1 for their basic health insurance- eg, people of State retired age in their country, with NO pension, and NO salary or income coming from Switzerland. I imagine there are indeed very few of us- but would really like to join up with anyone in the same position- to discuss the implications- and perhaps club together to ask for an audience and advice from the Lawyer who clearly studied that situation carefully for the case.


A case has been reported in the Romand Consumer magazine- of a retired person from the Netherlands who sustained an injury whilst abroad (not EU)- and Lamal refused to pay. They took the case to a Lawyer in the NE Canton- and won- so has become Law in principle. The argument is that those reliant on Insurance via Form S1 should get the same level of Insurance as Swiss citizens or residents on Basic Insurance- eg up to twice the cost it would have been if treated in Switzerland. This is massively important for all of us in the same position.
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Old 13.04.2020, 14:25
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Quote:
We are looking to form a group with others who rely on Form S1 for their basic health insurance- eg, people of State retired age in their country, with NO pension, and NO salary or income coming from Switzerland. I imagine there are indeed very few of us- but would really like to join up with anyone in the same position- to discuss the implications- and perhaps club together to ask for an audience and advice from the Lawyer who clearly studied that situation carefully for the case.


A case has been reported in the Romand Consumer magazine- of a retired person from the Netherlands who sustained an injury whilst abroad (not EU)- and Lamal refused to pay. They took the case to a Lawyer in the NE Canton- and won- so has become Law in principle. The argument is that those reliant on Insurance via Form S1 should get the same level of Insurance as Swiss citizens or residents on Basic Insurance- eg up to twice the cost it would have been if treated in Switzerland. This is massively important for all of us in the same position.
They should have an EHIC card from the Netherlands, so cover in France would be standard.

I guess that won't be an issue for you past 31/12 as you will have to pay for your own Swiss health insurance as Swiss pensioners do today.
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Old 13.04.2020, 14:33
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Well, that is the very point FMF- thanks.

The point being that the product we know in the UK as 'travel insurance' does NOT exist in Switzerland- as Swiss and residents are automatically covered for twice the amount it would cost in Switzerland. That basically means that Retirees from the UK, will still be covered by S1 in Switzerland, and NHS in the UK - but nowhere else in the world, EU or non EU. You can't buy a product that does not exist. Some have advised to buy Travel Insurance from the UK, using our UK address. That to my mind would be wrong a) because it is fraud b) they would repatriate us to UK address if we had to be repatriated and c) if they got wind of the fact we are not UK residents- they would refuse to pay.

The case won in February is massively important in this context- and it would be good to link up with anyone else in this situation so we get it legally clarified before December, when the EHIC will become obsolete for Brits. Thanks.
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Old 13.04.2020, 14:40
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Quote:
Well, that is the very point FMF- thanks.

The point being that the product we know in the UK as 'travel insurance' does NOT exist in Switzerland- as Swiss and residents are automatically covered for twice the amount it would cost in Switzerland. That basically means that Retirees from the UK, will still be covered by S1 in Switzerland, and NHS in the UK - but nowhere else in the world, EU or non EU. You can't buy a product that does not exist. Some have advised to buy Travel Insurance from the UK, using our UK address. That to my mind would be wrong a) because it is fraud b) they would repatriate us to UK address if we had to be repatriated and c) if they got wind of the fact we are not UK residents- they would refuse to pay.

The case won in February is massively important in this context- and it would be good to link up with anyone else in this situation so we get it legally clarified before December, when the EHIC will become obsolete for Brits. Thanks.
I only get free health cover in Malta, not entitled to UK NHS. I have to pay for BUPA to cover other medical expenses, I will have to take Swiss Health insurance if I take my Swiss OAP at normal retirement age even if I was in the UK!
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Old 13.04.2020, 14:46
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Yes, I know. I do not have a Swiss pension- which is why we are covered by S1. Totally different situation.

Do you really think BUPA would take us on, aged 69 and 74 - with pre-existing conditions, and in Switzerland?

Mainly, the situation in the title thread does not apply to you- and I would be grateful to hear from anyone to whom it does- thanks. You will be be able to get cover from NHS when you are of official retirement age in the UK - and providing you have paid into that system all your working life- as we have. Apples - oranges.

The article is 9C_265/2019 18.02.2020
Strangely enough, the Lawyer firm is the one who dealt with our house purchase 12 years ago. In the meantime, I shall get in touch with Bon ŗ Savoir legal services to clarify a few points which are not clear in the article.

Last edited by Odile; 13.04.2020 at 15:07.
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Old 13.04.2020, 15:39
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Quote:
Yes, I know. I do not have a Swiss pension- which is why we are covered by S1. Totally different situation.

Do you really think BUPA would take us on, aged 69 and 74 - with pre-existing conditions, and in Switzerland?

Mainly, the situation in the title thread does not apply to you- and I would be grateful to hear from anyone to whom it does- thanks. You will be be able to get cover from NHS when you are of official retirement age in the UK - and providing you have paid into that system all your working life- as we have. Apples - oranges.

The article is 9C_265/2019 18.02.2020
Strangely enough, the Lawyer firm is the one who dealt with our house purchase 12 years ago. In the meantime, I shall get in touch with Bon ŗ Savoir legal services to clarify a few points which are not clear in the article.
UK retirement age & Swiss retirement ages are not the same, so if living in the UK I would have to pay Swiss medical insurance to access the NHS or go privately, of course Swiss insurance is a pretty good deal as premiums are not based on actual risk, so significantly cheaper than BUPA aged 63 +
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Old 13.04.2020, 23:26
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

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The point being that the product we know in the UK as 'travel insurance' does NOT exist in Switzerland
I have Swiss travel insurance through AXA
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Old 13.04.2020, 23:33
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

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I have Swiss travel insurance through AXA
We also have it through Allianz.
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Old 13.04.2020, 23:40
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

Although ... now youíve got me wondering if we are covered medically. I canít see anything about medical costs. Wondering if not what happens if itís more than 2x Swiss prices, if youíre in the USA etc?
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Old 14.04.2020, 07:15
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Re: Any other British or EU retirees who get Lamal insurance via Form S1

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We also have it through Allianz.
I have it through Zurich Relax...
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