for Expats in the EU who voted remain, to be relly upset and angry at neighbours and 'friends' who have voted to leave?

Paw and I had several holidays (European) in the years after his transplant, including St Petersburg for all of which we took out health insurance.
I think Paw’s “existing conditions which were not inconsiderable might have notched up a new high - but we got guidance from the Transplant Support Group in finding “sympathetic” insurers.
Just saying.
But I thought OP started this thread saying that it did not affect her but UK expats in general?

I would have thought that living somewhere for 25 years would mean that you'd consider that country home with all that entails.

One of my friends has been living in France for 25 years. The thing that infuriates him is that he still doesn't know how badly he will be affected by a vote he couldn't take part in.

I believe Jura is saying they both have pre-existing conditions which as I know to my cost makes travel insurance exorbitant.

Switzerland is a jolly lovely country to live in I believe. Bloody expensive but very nice.

I had friends who lectured in Switzerland but lived in Liechtenstein, cheaper rent, food well everything really.

So we have a few months to try and find a solution. So far the only one we can find would cost us about £1000 a MONTH. Molehills indeed

I have always taken out health insurance and it actually formerly came as part of our RBS bank account.
Taking it out separately has not cost thousands or even hundreds a year
Mountains out of molehills as I said. .

I am in Portugal and they will reciprocate.

Many bank accounts come with travel/health insurance, worth looking into. We have always taken out health insurance regardless of EHIC which only covered basic health care, not repatriation.

Many pensioners (like us) manage to get private healthcare insurance jura it might not be as exorbitant as you fear. (Your B option).

We pay £105 which covers both of us for ANNUAL private healthcare.

Here is the video which prompted such resentment in many expats who voted remain

youtu.be/RUErHV5T2_s

Urmstongran- my initial post was not about me, but about the 10s of 1000s of British expats in EU.

But then I was asked about my own situation, and I replied- our situation in Switzerland is indeed different- as we will be aloowed to continue to use the NHS in UK, as well as be covered by S1 in Switzerland. But without cover anywhere else in the EU - whereas before we were covered for up to double the cost (eg the estimated treatment cost in a Swiss hospital).

We are trying to find solutions, and hopefully have until Dec. to do so. Working with insurers and with the British Embassy. Neither have any answers so far. But we hope we will find a way.

If we don't, we will have 3 choices

a) remain within Swiss borders permanently- or so close that we can be taken back in case of an accident or emergency.

b) move back to the UK and hope to get travel insurance that will take us with pre-exisiting and age.

c) take up Swiss health and accident insurance to which we are currently exempt with Form S1 - which will automatically cover us for EU - at the massive cost of about £1000 a month for both of us.

This post is NOT about me- but you asked and I always try to answer. And of course it is true!

I take your point, Mamie, but MEPs should represent the interests of everyone in their constituencies. How far they go in doing this, I could not possibly say.

I thought you weren’t affected jura - just posting on ‘behalf of others’.

But if what you say about Switzerland is true, then that is another kettle of fish entirely.

Will you sell up and return to the U.K. do you think?

Where are you Coolio? EHIC will definitely not be available to anyone British. And your passport will make no difference.

There is no 'early days' about this Urmstongran ... it is what it is.

In our case, that means we will be unable to travel anywhere outside Switzerland. Or return to UK. Travel insurance does not exist in Switzerland, only for top up over the 'double cost' covered by normal insurance. Not easy to understand perhaps... that means we can't go shopping, walking or sightseeing in nearby France or Italy- can't drive home through France to visit DDs and GCs. Those retirees in the EU on S1s won't even be allowed to use the NHS- and won't be able to access top up insurance for travel to EU.

So 'chilling my beans' is not really relevant.

You do seem a little overwound jura if you don’t mind me saying so.

Sterling exchange rates fluctuate up and down always have. Swings & roundabouts! This means ex pat pensioners (like yourself as well as others) will, by default, go through boom and bust times as their pensions, paid in sterling, have to then be exchanged for euros.

This has always been the case.

Brexit, of itself, cannot be held responsible for those windfall (or hardship) months. Ex pats knew this when they chose to live abroad.

Of course the health insurance is another matter entirely as Brexit is responsible. That said, reciprocity has not been fully negotiated yet.

Spain (at present) is looking into this situation and so far ex pat pensioners on the Costas might well be pleased, as the Spanish government, acknowledging that retirees are not looking for work and are freely spending their hard earned disposable income out there in the bars, restaurants, hair salons, public transport etc. are a valuable source of income and are working to negotiate an amicable outcome.

It’s early days yet to get het up. Chill your beans.

Not sure about EHIC Jura, have never used it here just shown the passport. Details are then taken so they can bill Leicester. EHIC is only for emergencies. I think if you show your passport the country you are in will still bill Leicester. Of course the UK does not do this but bares the cost maybe not in future which of course will be quite right.

Yes, it is really useful, and been published just days ago.

One problem is still that those dependent on S1 will only be covered in France. No UK cover and none in other parts of the EU- and the CEAM insurance that covers those with French insurance, will not be available to them.

As for us in Swiss mountains, or not, for that matter (lots of molehills in our field for sure)- we will be covered in the UK and Switzerland- but nowhere else- totally unable to travel now EHIC will finish. Travel insurance to cover this is non-existent here- as everyone on Swiss insurance is automatically covered. Even if it did, those of us over 65 with pre-exisiting conditions would probably never be able to get it. So we have a few months to try and find a solution. So far the only one we can find would cost us about £1000 a MONTH. Molehills indeed.

I have been here for 43 years, Jura.. I have both a German and a British driving licence.

I first came in 1973, however, and it was a right hassle to register back before we were in the EU.

Actually, like most of my friends here, I have now taken German nationality in exasperation.

Thank you for your clear and comprehensive post of 18.27 Mamie
Especially this bit

The relevant extract is here.
" The Bill will ensure that citizens who have moved between the UK and the EU, or those who have interacted with the social security system of the UK and a Member State, before the end of the implementation period are not disadvantaged in their access to pensions, benefits and other forms of social security including healthcare cover. This includes protection for UK nationals who have interacted with social security systems in other Member States

More mountains than molehills in Switzerland?

Have you been there for over 15 years? A huge number was able to vote as they had not reached the 15 year bar.

As for discussing things which do not directly apply to posters personally or directly- it would become very limiting, no.

if anybody has thoughts to spare for post-Brexit Britain, that’s another matter.
With all due respect, Jura I really don’t think this dead horse deserves further flogging

Just wanted to say that was me but I hope M0nica is of the same mind.

I haven't read the thread right through yet but I am confused. As an expat living in Germany I didn't get a vote (there were at least a million of us).

Yes, thanks Mamie, very useful- and it is of course just days old, and perhaps not been shared and seen with most expats.

Anno- why not- so is Switzerland- it has been the case for a very long time. Pre EU, I had to retake my driving licence in full. The rules were, if staying temporarily, you had a year to do so, and if permanent, just 6 months. No exchange was possible - had to re-take in full, in English.

Most EU countries are asking for the swap to me made before the end of the month. There is no indication if those who don't, or arrive afterwards, will have to retake test- as is the case for many 3rd countries.

Why is Norway, which is not in the EU, telling expats to change their driving licences?

The British in Europe group have been brilliant CoolioC. We owe them a lot.