Health insurance: Recipients of a Swiss pension living abroad

I think you can defer the pillar 1, which will increase payouts even if you are not working.

For pillar 2, I think you need to be working to defer.

So the strategy of deferring Swiss pension means that you need to either have already eliminated your pillar 2, or plan to work during the period of deferment of pillar 2.

Not sure if we filled that in or not. Don’t recall doing so, I just provided our old NHS numbers when we registered.

Also this is useful.

Can provide 2 of the 3 UK requirements and I assume the deregistration document from the commune would count as proof no longer living in Switzerland along with the shipped goods.

Guess hubby could always tell the Swiss insurance I’ve died. :laughing:

Each country has a different cost for Swiss health insurance, google “Grundversicherungsprämien EU/EFTA/UK” for monthly costs. For example in Malta Assura offer CHF152 including accident insurance with a CHF 300 excess. The cheapest for the UK is CHF 290 with Mutual same CHF 300 excess which is the only option.

The flip side is the UK pay for someone’s Swiss insurance if you worked in the UK & now live in CH without a CH pension.

1 Like

He could try but they generally ask for some sort of proof. Staging a photo of you in a coffin might work I suppose.:joy:

They will require an original death certificate.

currently I’m thinking of cashing out 2nd pillar as soon as possible :slightly_smiling_face: but obviously I’ll re-evaluate the decision closer to the date

Interestingly this topic was discussed today on Swiss radio 1. I’ve listened it on my way to work, but honestly nothing interesting was revealed. For any difficult question from the audience they declined to give any answer, kind of trying persuade the audience that there’s no way but to pay a Swiss insurance on retirement.

1 Like

That may all be correct, but in reality wouldn’t this all be a quite a huge effort for the Swiss authorities to deal with, especially since it requires coordination with authorities in other countries? I am unaware of any reported cases of individuals who moved overseas and who in theory should have remained insured being prosecuted and/or forced to relinquish their local insurance and take out Swiss insurance. And there should be a lot, since I alone know of many people who left CH and moved home, drew a Swiss pension, but were completely unaware of this rule. Surely the Swiss papers would be full of examples?

I am of course speculating, but I assume the worst that would happen is ending up on the Swiss debt register (which might be passed on to a debt collector), that could be problematic if you ever plan on moving back to Switzerland.

You can also see the positive side : paying Swiss insurance comes with the benefit of being allowed to come to Switzerland for treatment.

Given the waiting on the NHS for some types of operations, this can be of use.

That’s very true but I would be interested in what the small print says and actually how it works in practice.

1 Like

There’s no need to relinquish the local insurance - at least from the Swiss side, they just want you to take Swiss health insurance. But of course, there’s also the exemption route.

I was referring to this comment - again it’s all speculation about what might happen.

[

Most people will have a pension from ‘home’ in addition to the Swiss one, so are not subject to the rule

1 Like

This all depends in which location they have made contributions for the longest period of time - if it’s Switzerland then they are subject to the rule.
According to the stats, net migration to Switzerland is around 80k per year (although the % of expats who stay long term isn’t clear).
Whilst I can only speak from my own experience, many of the people I know who subsequently left the country to move home & retire had spent the majority of their careers in Switzerland, & therefore, in theory, should be subject to the rule but in reality are not.

Well Brits have been able to pay class 2 contributions at about £160 a year, so have no excuse not to have a full Uk pension even if they worked for 30 years in Switzerland.

1 Like

That’s true, although this is not widely advertised for obvious reasons, and Brits account for just a small proportion of those in Switzerland. None of my former colleagues who left were from the UK, all being from EU countries with one chap from Iceland, which I think is EFTA.

While it might not be relevant for the health insurance rule, it’s worth pointing out that the ability to pay UK voluntary pensions is not limited to Brits

2 Likes

Thankfully so. My Swiss husband has paid voluntary Class 2 NI contributions for the last few years.

1 Like

How come, anyone from the world can just build up a UK pension?

This one seems to good to be true. We cannot get treatment in another canton, otherwise I would stick with my former GP located now 2h from home. Now imagine someone from EU would be allowed to book freely whatever visit in whatever place in Switzerland. I’m sure there are strings attached.