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  #41  
Old 17.01.2015, 22:55
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Re: Retirement choices

I "kept" my private health insurance when I left Germany to come to Switzerland. It does cost me a monthly fee but the insurance will have to take me back as soon as I am back officially in Germany without a health check and all that stuff.

But this all has definitely triggered me to get some advice on what could happen when I retire. If only on how to get my pension money from the countries I worked in (state part will be easy though)
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  #42  
Old 17.01.2015, 23:45
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Re: Retirement choices

You could ask the relative authorities directly and visit their websites. But I think when you retire you have to ask (at least 6 months in advance) to the country of last employment/residence and they will sort it out for you. Found this site:
http://europa.eu/youreurope/citizens...d/index_en.htm
there's also the list of authorities and you can make inquiries and contact advisors apparently.
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  #43  
Old 18.01.2015, 00:52
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Re: Retirement choices

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There is a strange EU law that when you retire to an EU or EFTA country and you are receiving a Swiss pension then you have to continue to pay to a Swiss Krankenkasse at the local country rate.
When I was looking at retiring in Germany the Swiss Krankenkasse local country German rate was higher for the basic than I pay now in Switzerland.

I assume if you are a UK citizen and retire to UK then maybe this does not apply; I could not find the information on this.

If you do not pay and they catch you then they send you a bill for the past payments you should have made and you do not get any refund for any other sickness insurance you paid.

Look at number 14 here.
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That's what it seems to say but can it be correct? If you've left the country to permanently reside somewhere else, why would you need to pay health insurance in Switzerland? (Or am I showing my age by misunderstanding?)
As of June 2015, swiss pensioners living in France (for example), are no longer entitled to continue with their swiss health insurance (which many of them want to do!), but are being forced by french law into paying french social security contributions and also taking out extra french insurance to cover anything other than the basics the SS contributions will cover.
I seriously doubt that the french are going to accept that those 'Swiss pensioners' are allowed, under an unheard of European law, to continue with their swiss health insurance and to not pay into the French system.
Certainly my insurance company has never heard of such a ruling, neither has the European Frontalier Union, or they'd be recommending that many of their members took advantage of it.
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  #44  
Old 18.01.2015, 11:57
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Re: Retirement choices

Accords bilatéraux
https://www.geneve.ch/assurances/maladie/accords-bilateraux.asp#a1c
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  #45  
Old 18.01.2015, 13:54
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Re: Retirement choices

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Accords bilatéraux
https://www.geneve.ch/assurances/maladie/accords-bilateraux.asp#a1c

And within that you'll find this;

Les mêmes règles s’appliquent aux membres de votre famille sans activité lucrative vivant avec vous, sauf dans les pays suivants, où ils seront obligatoirement soumis au régime local : Danemark, Royaume-Uni, Portugal et Suède.

"The same rules apply to family members without gainful employment living with you except in the following countries, where they will be compulsorily submitted to the local system: Denmark, United Kingdom, Portugal and Sweden". Google translated.

We've been assured by the AVS people and our health insurance that there's an agreement between the UK and Switzerland that covers this, but will check again in a few months time as OH reaches the official retirement age soon.

The swiss-french situation remains the same, the french are insisting that as of the of 1st June 2015 at the latest all french residents have to start paying into the french state system and are no longer entitled to have swiss healthcare (unless as frontalièrs they'd recently chosen to opt into the LaMal system on taking out a new job contract), I'm positive that the swiss cannot insist that you also pay into their system..... 30-35% of our pension would disappear!
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  #46  
Old 22.01.2015, 21:58
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Re: Retirement choices

Thank you for all the interesting input on this subject. It's definitely food for thought. I never doubted that I would retire anywhere else however these days I doubt I will ever be able to afford to retire here which would be a huge shame. Cheers.
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  #47  
Old 22.01.2015, 22:49
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Re: Retirement choices

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As of June 2015, swiss pensioners living in France (for example), are no longer entitled to continue with their swiss health insurance (which many of them want to do!), but are being forced by french law into paying french social security contributions and also taking out extra french insurance to cover anything other than the basics the SS contributions will cover.
I seriously doubt that the french are going to accept that those 'Swiss pensioners' are allowed, under an unheard of European law, to continue with their swiss health insurance and to not pay into the French system.
Certainly my insurance company has never heard of such a ruling, neither has the European Frontalier Union, or they'd be recommending that many of their members took advantage of it.
Well if all else fails you could always look at the link I posted here!

Quote "If the pensioner is domiciled in a country from which he does not receive a pension but receives a Swiss pension and a pension from another EU/EFTA state, he must take out insurance in the country in which he has held insurance for the longest period for retirement pension purposes."

It probably does not apply to frontaliers if they paid longer into a French pension than the Swiss one?
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  #48  
Old 02.02.2015, 23:51
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Re: Retirement choices

Hi,
Maybe this comparison may help
Father and step-mother retired in England - real problems organising care -were very lucky in finding an excellent home -not cheap -was using up their savings.
Mother and step-father retired in New Zealand - not so lucky with the care home - again savings being used up.
Mother in law retired in Switzerland ( after a six month unsuccessful trial with her son in the Philippines - much cheaper) care home excellent, but very expensive - but we do not have to meet her bills, the Kanton pays now that her savings are down to the minimum.
All of them wanted somewhere familiar where they could communicate and relate to their carers. All of them underestimated the change in requirements in going from 60 to 80 - not suprisingly?
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  #49  
Old 03.02.2015, 00:44
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Re: Retirement choices

If you need information on retiring in Switzerland, you need to start looking here http://www.pro-senectute.ch/ they have offices in most towns, they organise social events, and offer help with finding cantonal services.

If you have lived here 10 years and have a Swiss ID or Permit 'C' you might be entitled to extra help, https://www.ch.ch/en/supplementary-benefits/
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  #50  
Old 03.02.2015, 09:39
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Re: Retirement choices

There's some info on pensions here.

https://www.ch.ch/en/withdraw-pension-early

Still the whole health insurance thing seems contradictory. You have this:

- if he or she leaves Switzerland to take up residence in another country and is not required to remain insured in Switzerland on the basis of the bilateral agreements with the EU or the agreement with EFTA countries (e.g. cross-border commuters, pensioners and their family members.

http://www.bag.admin.ch/themen/krank...x.html?lang=en

and this:

Based on the regulations of the agreement on the free movement of persons, pensioners who are domiciled in an EU-/EFTA state and draw a pension from Switzerland, are also subject to compulsory health insurance in Switzerland.

http://www.kvg.org/en/compulsory-ins...--1--1034.html

and then this.

http://www.kvg.org/stream/en/downloa...-0--0--292.pdf

So if we retired back to the UK the OH would possibly continue to pay Swiss health insurance while I would not, being his dependent. Not sure if his UK pension time will be longer than his Swiss one at the moment. I need to do some calculations.



Edit: And what happens if/when I inherit his Swiss pension? Do I then have to start paying Swiss health insurance premiums again?

Last edited by Medea Fleecestealer; 03.02.2015 at 14:24.
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  #51  
Old 04.02.2015, 21:15
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Re: Retirement choices

And what if you draw a UK pension too? Even more !

Edit: forget this post. I was having brain failure when I wrote it.

Last edited by Medea Fleecestealer; 05.02.2015 at 08:11.
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  #52  
Old 04.02.2015, 23:14
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Re: Retirement choices

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There's some info on pensions here.

https://www.ch.ch/en/withdraw-pension-early

Still the whole health insurance thing seems contradictory. You have this:

- if he or she leaves Switzerland to take up residence in another country and is not required to remain insured in Switzerland on the basis of the bilateral agreements with the EU or the agreement with EFTA countries (e.g. cross-border commuters, pensioners and their family members.

http://www.bag.admin.ch/themen/krank...x.html?lang=en

and this:

Based on the regulations of the agreement on the free movement of persons, pensioners who are domiciled in an EU-/EFTA state and draw a pension from Switzerland, are also subject to compulsory health insurance in Switzerland.

http://www.kvg.org/en/compulsory-ins...--1--1034.html

and then this.

http://www.kvg.org/stream/en/downloa...-0--0--292.pdf

So if we retired back to the UK the OH would possibly continue to pay Swiss health insurance while I would not, being his dependent. Not sure if his UK pension time will be longer than his Swiss one at the moment. I need to do some calculations.



Edit: And what happens if/when I inherit his Swiss pension? Do I then have to start paying Swiss health insurance premiums again?
I believe one reason for this scheme is to prevent discrimination against Swiss pensioners who move to an EU country and cannot get local health insurance due to pre-existing medical conditions.
In the case of UK citizens moving back to UK this is not relevant as UK has "free" medical care for all citizens. Consequently I understand UK is an exception and so Swiss health insurance is not mandatory. But do not take my word for it; do check carefully
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  #53  
Old 04.02.2015, 23:31
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Re: Retirement choices

Would one option be to cash out your pension fund so that you have no pension income, then you can move wherever without an issue?
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  #54  
Old 04.02.2015, 23:58
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Re: Retirement choices

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Would one option be to cash out your pension fund so that you have no pension income, then you can move wherever without an issue?
Cashing out Government pension schemes? Good trick if you can do it but as far as I know they have no cash value; just a commitment to pay monthly at some future time?
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  #55  
Old 05.02.2015, 00:36
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Re: Retirement choices

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Cashing out Government pension schemes? Good trick if you can do it but as far as I know they have no cash value; just a commitment to pay monthly at some future time?
I mean you have a pension fund, instead of buying an annuity with it, just take the cash as a lump sum.
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  #56  
Old 13.02.2015, 15:05
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Re: Retirement choices

I believe that in Portugal, retired people are not required to pay tax on their pension income.

http://theportugalnews.com/news/hund...esidence/28068

For me, a much better option than retiring in UK or Germany, if family ties are not an issue.
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  #57  
Old 23.05.2016, 20:34
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Re: Retirement choices

Sorry, reviving this thread as I've been checking on the health insurance side for someone else's query on another thread.

I came across this on the KVG website:

"Non-Working Family Members
Basically, the non-working family members* have to be insured in the same country as the employed member of the family. Exceptions apply to:

Germany and Finland: Non-working family members who would basically be subject to the compulsory health insurance in Switzerland, have the possibility, based on a special arrangement between Germany and Switzerland or Finland and Switzerland, to use the option right separately, i.e. it is not compulsory for them to be insured in Switzerland."

https://www.kvg.org/en/overview-_content---1--1036.html

Does this mean that because the OH is still employed here in Switzerland I can't claim the exemption as I don't work? Or is it linked to the New Option Right/Annulment of Exemption section above it?
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