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  #21  
Old 07.10.2019, 18:22
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Re: Reason leaving CH

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I don't understand why If you only work here for 6 years you should expect a better pension.
That is Not the point, I will be getting a Little Pension from CH, from Germany, from Denmark and a Little something from Malta. I suppose it is similar for Others too.

Last edited by slammer; 07.10.2019 at 18:37.
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  #22  
Old 07.10.2019, 19:09
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Re: Reason leaving CH

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Re: Reason leaving CH

Comparisons are often odious, so the saying goes, but having just returned to the UK after being away for 44 years {but only six years in CH}, retirement pensions are what has prompted us to leave.
How are you finding life in the UK after so long? My other half wants to leave it, I do not, so I hope people won't mind my asking this, as we have to decide by tomorrow!

(I am really worried where society and the NHS are going; the speed of decline is just very hard to believe. GP appointments for non-urgent things are now up to 5-6 weeks in our area).

For people in CH, I know healthcare is very expensive but please value it, the facilities in CH and access to doctors is a blessing. (Unless things have changed there too after I left in 2009).
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  #23  
Old 07.10.2019, 19:40
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Re: Reason leaving CH

It is, of course, a very difficult question to answer. It caused us a great deal of heartache to leave Evian where for 12 years we had been happy, {prior to that 15 years Belgium, 5.5 years Oz, 11 years South Africa, 6 years Swizzle] but the crux of the matter is long-term health and welfare.
Obviously, it depends upon where one lives in the UK - we are now in Shaftesbury in Dorset [amidst beautiful countryside]. Both had necessarily and unfortunately to be hospitalised during our sojourn in France, my OH for a very serious illness [you know what I mean] and myself with eye problems.

However, when we drew up a list of "pros" and "cons" [which ironically came out exactly equal] the deciding factor was if one of us was left entirely on our own without any family support in declining health, or God forbid, with the dreaded "A".

Since arriving in S'bury only 4 weeks ago, we have received excellent service from the NHS who very quickly added us to their doctors' surgery list [9 doctors in partnership]. We have already had free 'flu jabs, are going tomorrow to have pneumonia and shingles jabs, all of which we did not have to ask for, but were offered to us immediately after registering.

Apparently, there is also a kit on its way [free] for screening of bowel cancer. So we have been quietly amazed at how well the system is working for us despite not having lived in UK since 1975. All we had to do was fill in rather lengthy forms and provide proof of identity.
We can only speak for ourselves of course. This is a fairly affluent area. One hears about the "postcode lottery" so it seems a great deal of research would be necessary before deciding to relocate.
However, whilst struggling somewhat to understand medical terminology [difficult enough in one's home language, let alone in French or German], now we can deal with everything at face value. We hope you can come to the decision which suits you best. We wish you good luck
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  #24  
Old 07.10.2019, 20:10
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Re: Reason leaving CH

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Comparisons are often odious, so the saying goes, but having just returned to the UK after being away for 44 years {but only six years in CH}, retirement pensions are what has prompted us to leave.
We live just outside Swizzle - obviously! One week at our local supermarket, aubergines were on special offer at 99 Euro cents per kilo. Same week, Migros had the same - special offer on aubergines CHF4.99 per kilo. It is very often a question of simply not being able to afford the high prices on a pension. BTW, after six years, my CH pension is 162.-- per month.
You miss the second pillar, thats where the money is.
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  #25  
Old 07.10.2019, 23:47
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Re: Reason leaving CH

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How are you finding life in the UK after so long? My other half wants to leave it, I do not, so I hope people won't mind my asking this, as we have to decide by tomorrow!

(I am really worried where society and the NHS are going; the speed of decline is just very hard to believe. GP appointments for non-urgent things are now up to 5-6 weeks in our area).

For people in CH, I know healthcare is very expensive but please value it, the facilities in CH and access to doctors is a blessing. (Unless things have changed there too after I left in 2009).
Life in the UK is, for us, better than in CH for a lot of reasons. And the NHS, which I have had cause to draw on more in the last year than probably the rest of my life so far combined, has been brilliant. But again, like Evaniers, I'm probably in a good postcode area.
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  #26  
Old 09.10.2019, 14:18
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Re: Reason leaving CH

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Life in the UK is, for us, better than in CH for a lot of reasons. And the NHS, which I have had cause to draw on more in the last year than probably the rest of my life so far combined, has been brilliant. But again, like Evaniers, I'm probably in a good postcode area.

Update today : yesterday went for pneumonia and shingles jabs. Very kindly nurse, after going through our medical history thoroughly and without undue comment, advised only one jab at a time. We took the pneumonia and have deferred shingles until January. No problem, no fuss. Excellent treatment
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  #27  
Old 09.10.2019, 15:06
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Re: Reason leaving CH

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Everyone tells me IT is the best country to live
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Agreed, but at least you are close to Italy and many supermarkets import specialties from there Although I admit I'm biased...

And in general (maybe because the local cuisine is not SO special?) there are many restaurants offering foreign tastes.
hang on ... I thought IT is Italy?

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  #28  
Old 09.10.2019, 22:41
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Re: Reason leaving CH

I think for us the simple truth is we just wouldn't be able to afford to retire in Switzerland. As well as being entitled to whatever the Swiss state pension gives us, OH will get a pension from UBS but as he will only have 9 years contributions in it's not going to be gold plated like his colleagues. Most of them have been there 20 years or more and are younger than him.

Our plan is to return to Scotland and start another small business partnership as OH is intending working as a consultant beyond retirement anyway. My dream is to live in a place with a view across the Firth of Forth
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  #29  
Old 11.10.2019, 15:50
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Re: Reason leaving CH

Further update. Please believe me - do not wish to gloat but today in the post arrived the bowel screening kit which will be returned in pre-paid envelope.
Just wondering how much this would cost in CH? No charge for 'flu jabs, ditto for pneumonia injections [and presumably the shingles jabs deferred to January] and no charge for above screening. My estimation would be some CH300.--+ but no doubt someone more knowledgeable will confirm this?
So far the NHS has proved to be unbelievably good. Bravo to them.
BTW, the weather is atrocious!!!!!
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  #30  
Old 11.10.2019, 15:54
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Re: Reason leaving CH

My local pharmacy does it for 28CHF including stool analysis
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  #31  
Old 11.10.2019, 15:55
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Re: Reason leaving CH

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Further update. Please believe me - do not wish to gloat but today in the post arrived the bowel screening kit which will be returned in pre-paid envelope.
Just wondering how much this would cost in CH?

Had one, never had to pay for that
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  #32  
Old 11.10.2019, 16:00
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Re: Reason leaving CH

BTW, the only time I've ever had a free flu jab on the NHS was a few weeks before I was about to start chemo for breast cancer 13 years ago. Every other time I've been told by one of the nurse practitioners at my GP surgery in Scotland to buy it from a pharmacy and have it administered.
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  #33  
Old 11.10.2019, 16:00
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Re: Reason leaving CH

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Further update. Please believe me - do not wish to gloat but today in the post arrived the bowel screening kit which will be returned in pre-paid envelope.
My dad received these and dutifully returned them fully loaded every time they were sent out. Died of undetected bowel cancer.

GP said they're useless.
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  #34  
Old 11.10.2019, 16:26
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Re: Reason leaving CH

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Hi all,


I was wondering what is the mean reason to leave CH.


Everyone tells me IT is the best country to live but I see many people left CH after retirement.



Regards


Hasan
One of the meanest reasons to come to CH is that too many people like CHF just too much, they become very greedy and only come here for mean reasons. Apart from that, the IT pays very good CHF but many other people may not afford retirement in CH with their hard earned CHF. Hence they leave CH not for mean reasons.

Makes sense?
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  #35  
Old 11.10.2019, 16:40
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Re: Reason leaving CH

'My dad received these and dutifully returned them fully loaded every time they were sent out. Died of undetected bowel cancer.

GP said they're useless.'

My sister in law was picked up via the screening system in Scotland and had a tumour the size of a small plum removed from her colon, thankfully no spread. She had none of the signs like bleeding, only thing she had noticed for a bit was she was waking up in the night feeling a bit bloated which she put down to being menopausal.

When I was referred to the hospital for a breast lump 13 years ago, the lead Consultant I saw took 23 tissue samples and every one came back clear, detecting a fibroid. Went in to have it removed and bingo, he found a 33mm tumour hidden underneath it.

So firstly I was told I definitely didn't have cancer and then I suddenly had to face the fact I had a very aggressive form of the disease. Life is a game of chance and you have to play as best as you can with the cards you are dealt as my late dad used to say.
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  #36  
Old 11.10.2019, 16:43
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Re: Reason leaving CH

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My dad received these and dutifully returned them fully loaded every time they were sent out. Died of undetected bowel cancer.

GP said they're useless.
Specialist here said the same when I went to have my innards photographed.
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  #37  
Old 11.10.2019, 16:58
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Re: Reason leaving CH

Specialist I saw they are done for population based studies, not individual detection
That said, very glad it helped your sister!
I think the test was done on my dad too and missed a giant problem
he was lucky to survive.
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  #38  
Old 03.11.2019, 19:24
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Re: Reason leaving CH

We often discuss this with my wife. I still have 20 years before retirement (if I make it). I have been here for 5 years. Wife does not work. So our back of the enveloppe calculation tell us that we will not be able to retire here. With three children we basically are able to save ZERO every year. Piliers 1-3 are our savings.
I like it here but I would prefer a sunnier place for retirement.
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  #39  
Old 03.11.2019, 21:22
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Re: Reason leaving CH

Moving abroad one has to always have a return plan. If I stay in CH till the retirement I would have only half of the state pension, ~1k, something from 2nd pilar and my savings if any. That's too little to stay in the country.

I am often thinking about that. It was about a turning point in my career when I moved here. I had enough years of experience to land some top position and enjoy my life. It never happens just like that, but you know, it was real. Switzerland appeared as a nice adventure. However a few years here and I'm lost somehow. I'm rather struggling to have a good job here whilst back in my home country people become kind of stressed and aggressive regarding work related matters. Since about ten years everything gets more and more expensive there, people are tired of pushing hard to catch up with the real inflation. Well, then should I stay or should I go... I was thinking about moving to London but the image of homeless people on the streets, that's gross, definitely there's something wrong with the system. So, well, Switzerland is perhaps a good choice for now, till retirement.
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  #40  
Old 03.11.2019, 21:49
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Re: Reason leaving CH

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Further update. Please believe me - do not wish to gloat but today in the post arrived the bowel screening kit which will be returned in pre-paid envelope.
Just wondering how much this would cost in CH? No charge for 'flu jabs, ditto for pneumonia injections [and presumably the shingles jabs deferred to January] and no charge for above screening. My estimation would be some CH300.--+ but no doubt someone more knowledgeable will confirm this?
So far the NHS has proved to be unbelievably good. Bravo to them.
BTW, the weather is atrocious!!!!!
So glad it is all working out for you so far. Most Cantons offer the colorectal test for the target age-group, with 90% of cost covered by basic insurance. Mamograms are free.

Of course, very different for you as you lived in France, and not CH.

Many are basing cost of retirement on their current costs in places like Zurich or Geneva regions- and are perhaps not aware that there are parts of Switzerland where costs are massively lower- especially in border regions where you can also benefit from shopping in France or Germany. Depends on your income and fortune, and tax- but if on relatively low pensions and therefore 'lower' income - then it changes the picture. We have several Brits who moved to the area fairly recently due to very low rentals and property purchase value.

Reminder too, that as CH has signed reciprocal agreements with UK recently- UK pensioners here, providing they do NOT have Swiss income or pensions- can still benefit from health cover via form S1- paying a maximum of 1000.- per year (300 franchise, + 10% up to 700)- with basic insurance cover that covers everything, even parts of private medicine.
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