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Losing NHS coverage under Brexit

(59 Posts)
WoodGreenie Wed 30-Jan-19 11:49:59

My long-term goal has always been to retire to France. I just saw this in the news that pensioners retiring in Europe won't be covered if there's a no deal Brexit.

The article says that the government has confirmed this www.theguardian.com/politics/2019/jan/29/british-pensioners-in-eu-will-lose-nhs-covered-health-care-under-no-deal-brexit

Is anyone already in that situation? How do you get your medical care?

Mamie Mon 04-Feb-19 12:14:57

Is that related how the Swiss system works for the Swiss, Jura?
I think the principle now in France is that we get treated the same as the French.
I am optimistic that this is something that will get sorted. If the S1 continues the host countries get the money and the UK keeps us where we cost less money.
Mind you logic does not seem to be at the heart of the negotiations at the moment.

Fennel Mon 04-Feb-19 12:30:54

Yes sorry, Mamie I missed that (re your post on previous page.)
Not at my best, getting over a bad dose of flu. Strange, all the years we were in Framce I never had a cold or flu.

Mamie Mon 04-Feb-19 12:34:18

Did you have your injection? This year our MT gave us prescriptions to have the vaccine at home from the district nurses. We went to their surgery though ?.
Poor you, flu is horrible. Get well soon.

jura2 Mon 04-Feb-19 12:47:36

Yes Mamie- in Switzerland we have compulsory health insurance, provided by an array of Insurers- with a huge number of different policies- and with huge differences in premiums, depending on lots of things- including what 'franchise' you choose- eg the amount of mony you will have to pay out of your own pocket, per year, before the insurance takes over. The great thing is that they cannot refuse pre-exisiting conditions. Most people take 'basic' + 'supplementary' to give more choice and flexibility and to cover things that would normally not be covered (like some therapies like acupuncture, chiropractor, etc). We can't have supplementary, as we were refused due to age of joining and especially pre existing conditons.

We had done our research very carefully before moving here after we retired, first of all to look after my parents.
As retirees from UK, without any pension or income from Switzerland, we were entitled to Form S1- which gives us an exemption from Swiss Insurance- as for all retirees from EU and EEA. We still had to pay the first 300 per year each, + 10% up to a maximum of 700 (so 1000 each per year) - but if S1 becomes invalid- it will be about 1000 per month- and we still have to pay first 300 and 10% up to 700 on top.

It's a lot of money- combined with massive loss of income due to exchange rate which is likely to get worse. 50% down so far...

jura2 Mon 04-Feb-19 12:48:52

btw, if someone is unable to pay due to low income, some subsidies kick in- and for people on social welfare, basic insurance is paid by the state.

Mamie Mon 04-Feb-19 13:12:51

Thanks jura that sounds very difficult without the S1. As I said I think it is in everyone's interest to keep it. We had been here a couple of years when Sarkozy's government threw us out of the CMU contributory health system. We couldn't get private insurance for OH. I have never forgotten how upsetting and frightening it was. Fortunately the EU legal system came to our rescue and the ruling was overturned.
I was very pleased to see the PUMA deal come in to force.

sodapop Mon 04-Feb-19 13:20:47

Mamie is absolutely right as far as I understand. We are entitled to join PUMA. It's interesting to note that it would be cheaper for the UK to continue paying for our health care in France than for us all to return to the UK. As others have said some of us continue to pay UK taxes as well as in France. The French authorities appear keen to support ex pats if possible.

jura2 Mon 04-Feb-19 13:28:32

Thing is, we are not expats per se. I was born and bred in Switzerland, but moved to UK aged 19 and stayed 40 years. I have dual nationality- and for the past 5 years, so has OH, the other way round. But I am not entitled to any pension here because I never worked here- I left as soon as I finished my studies.

All our pension/income is from UK in £. We are VERY very lucky we could take the 50% hit in income by tightening belt- but if it goes down further due to falling exchange rate + losing healthcare- this would be a different story. I am not asking for any sympathy whatsoever - just saying as it is.

Imagine anyone facing this at a time when a severe illness is diagnosed and very expensive treatment due to start at the end of March ... as is happening to my best friend...