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Old 23.11.2022, 08:21
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pensioned

i really need some advice i am 67 Swiss, and receive a pension from the Swiss government.iI shall be going to live in Spain ,but i must keep a Swiss medical ins ,i have been quoted 420 sfr a month from sanitas does anybody have any advise or information on this matter ,it has come as a big surprise to me thank you
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Old 23.11.2022, 08:24
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Re: pensioned

The rules are quite clear on this. Only thing you can do is shop around.
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Old 23.11.2022, 09:21
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Re: pensioned

Do you receive pension anywhere else? What is your nationality?
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Old 23.11.2022, 11:15
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Re: pensioned

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Do you receive pension anywhere else? What is your nationality?
The first line of his post says he is Swiss and is already receiving his pension. Therefore according to the rules it is a done deal.
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Old 23.11.2022, 12:09
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Re: pensioned

According to BAG there is an exception for Spain where pensioners can take out health insurance in Spain, not Swiss - subject to a set of rules, see below.

You have to apply to the Gemeinsame Einrichtung KVG in Olten.

More here.
"Wenn Sie in Deutschland, Frankreich, Italien, Österreich oder Spanien wohnen, haben Sie und ihre nicht erwerbstätigen Familienangehörigen die Möglichkeit, sich von der Versicherungspflicht in der Schweiz befreien zu lassen, wenn Sie sich dem Krankenversicherungssystem des Wohnstaats anschliessen (so genanntes Versicherungsoptionsrecht).

Spezialfall Spanien
Personen, die eine schweizerische Rente erhalten, ohne auf eine spanische Rente Anspruch zu haben, sind zusammen mit ihren nicht erwerbstätigen Familienangehörigen der obligatorischen Krankenversicherung in der Schweiz unterstellt.
Das so genannte „convenio especial“ ist eine Vereinbarung zwischen der Schweiz und Spanien (Sozialversicherungsabkommen).
Anwendbar ist es nur für Staatsangehörige dieser beiden Staaten und gibt den Personen die Möglichkeit, sich von der obligatorischen Krankenversicherung in der Schweiz befreien zu lassen.
Das Informationsblatt finden Sie unter Downloads Rentner."
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Old 23.11.2022, 14:00
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Re: pensioned

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According to BAG there is an exception for Spain where pensioners can take out health insurance in Spain, not Swiss - subject to a set of rules, see below.

You have to apply to the Gemeinsame Einrichtung KVG in Olten.

More here.
"Wenn Sie in Deutschland, Frankreich, Italien, Österreich oder Spanien wohnen, haben Sie und ihre nicht erwerbstätigen Familienangehörigen die Möglichkeit, sich von der Versicherungspflicht in der Schweiz befreien zu lassen, wenn Sie sich dem Krankenversicherungssystem des Wohnstaats anschliessen (so genanntes Versicherungsoptionsrecht).

Spezialfall Spanien
Personen, die eine schweizerische Rente erhalten, ohne auf eine spanische Rente Anspruch zu haben, sind zusammen mit ihren nicht erwerbstätigen Familienangehörigen der obligatorischen Krankenversicherung in der Schweiz unterstellt.
Das so genannte „convenio especial“ ist eine Vereinbarung zwischen der Schweiz und Spanien (Sozialversicherungsabkommen).
Anwendbar ist es nur für Staatsangehörige dieser beiden Staaten und gibt den Personen die Möglichkeit, sich von der obligatorischen Krankenversicherung in der Schweiz befreien zu lassen.
Das Informationsblatt finden Sie unter Downloads Rentner."
I hope I'm wrong for the OPs sake, but I very much doubt this will fly as the OP has already made his decision (unknowingly) to be handled by the Swiss authorities. The rule is that once a particular state takes responsibility for your retirement benefits you don't have the options to change later, even if you do move to another country.
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Old 23.11.2022, 14:38
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Re: pensioned

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The first line of his post says he is Swiss and is already receiving his pension. Therefore according to the rules it is a done deal.
Apologies I missed it - would still be interested to know if other nationalities as was under the impression this could make a difference.
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Old 23.11.2022, 14:40
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Re: pensioned

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I hope I'm wrong for the OPs sake, but I very much doubt this will fly as the OP has already made his decision (unknowingly) to be handled by the Swiss authorities. The rule is that once a particular state takes responsibility for your retirement benefits you don't have the options to change later, even if you do move to another country.
Actually link posted above says:

Persons who do not wish to take out Swiss health insurance must submit an application for exemption to the Common Institution under the KVG in Olten within three months of receiving their first pension payment or moving to an EU country (no such deadline applies for Spain).

This would mean that it is not a one time option but can do it later?
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Old 23.11.2022, 16:12
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Re: pensioned

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Actually link posted above says:

Persons who do not wish to take out Swiss health insurance must submit an application for exemption to the Common Institution under the KVG in Olten within three months of receiving their first pension payment or moving to an EU country (no such deadline applies for Spain).

This would mean that it is not a one time option but can do it later?
Like I said I hope I'm wrong, but I have tried every combination to try and avoid the answer was always no.
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Old 23.11.2022, 17:24
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Re: pensioned

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Like I said I hope I'm wrong, but I have tried every combination to try and avoid the answer was always no.
Have you moved to Spain?
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Old 23.11.2022, 23:17
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Re: pensioned

The prices for health insurance for EU residents are given in this document, see page 25 for Spain:
https://www.priminfo.admin.ch/downlo...bericht_eu.pdf


For Sanitas I see 391.10 francs, did they include some compementary insurance to reach 420?


Anyhow, getting insured at Mutuel seems to be a bit cheaper 255.00 francs. Otherwise check the cost of a Spanish insurnce.
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Old 24.11.2022, 01:31
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Re: pensioned

perhaps my reading, does this imply those with citizenship in either CH or Spain, or only those who hold a dual citizenship?
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Old 24.11.2022, 08:23
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Re: pensioned

thank you very much very helpful
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Old 24.11.2022, 09:11
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Re: pensioned

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perhaps my reading, does this imply those with citizenship in either CH or Spain, or only those who hold a dual citizenship?
Nothing to do with citizenship, more with where you reside and which country pays your pension.
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