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Moving abroad

Living abroad

Moving outside the EEA

You will not be covered for healthcare paid by the UK if you are going to live permanently outside the UK.

Moving to an EEA country

The NHS is a residence-based healthcare system. Therefore, once you have moved permanently away from the UK you are no longer entitled to medical treatment under normal NHS rules.

You must notify your former GP so that you and your family can be removed from the NHS register.

You will also no longer be entitled to use your UK-issued European Health Insurance Card (EHIC) to access healthcare abroad.

Receiving a UK state pension or long-term incapacity benefit

If you're receiving a UK state pension or long-term incapacity benefit, you may be entitled to healthcare paid for by the UK. You will need to apply for form S1 (or an E121 if you are moving to Iceland, Liechtenstein, Norway or Switzerland), which you need to present to the health authorities in your new country of residence. You will then be treated on the same basis as a resident of that country.

Once you have registered your S1 (or E121) in your new country of residence, you will be entitled to a UK-issued European Health Insurance Card (EHIC), allowing you to access state-funded necessary medical treatment when you visit other EEA countries besides the one in which you are resident, including when you return to the UK.

It is advisable to check what is covered before leaving the UK and make arrangements if necessary.
Use the country-by-country guide and select a country from the list for detailed information.

For further advice, contact the Overseas Healthcare Team (Newcastle):

International Pension Centre
Tyneview Park
Whitley Road
Newcastle upon Tyne
NE98 1BA

Phone 0191 218 1999 (Monday to Friday 8am-5pm)

Customers who receive a UK state pension can obtain an S2 (or E121) by phoning 0191 218 7777 (Monday to Friday 8am - 8pm).

Customers who receive a UK long-term incapacity benefit can obtain an S2 (or E121) by telephoning the Working Age Group Incapacity Benefit team on 0191 21 87644 (Monday to Friday 8am - 5pm).

The phone number for the Employment Support Allowance team is 0191 21 87037 (open Monday to Friday 8am - 5pm).

If at any time in the future you want to come back to the UK for planned treatment, you must consult your new authorities to find out the options available to you. However, you will be charged in the UK, unless you can provide an S2 (or E112) issued by your country of residence.

In receipt of other UK benefits

If you get a UK benefit, such as short-term incapacity benefit or maternity allowance, your healthcare cover is subject to different rules; the period of your cover and application criteria may differ depending on your particular circumstances.

For more information, contact the International Pension Centre (IPC) or the Department for Work and Pensions (DWP).

 

Healthcare provided before your state pension is payable

If you move to an EEA country to live but not work and don't receive a UK benefit, you may be eligible for up to two-and-a-half years of state healthcare, paid for by the UK.

You will need to apply for form S1 (or form E106 if you are moving to Iceland, Liechtenstein, Norway or Switzerland) with the Overseas Healthcare Team (Newcastle). You also need to prove that you have worked in the UK and paid National Insurance contributions up to three years before your departure.

For further advice, contact the Overseas Healthcare Team (Newcastle):

Overseas Healthcare Team (Newcastle)
Room TC001
Tyneview Park
Whitley Road
Newcastle upon Tyne
NE98 1BA

Phone 0191 218 1999 (Monday to Friday 8am-5pm).

The S1 (or E106) will entitle you to treatment on the same basis as a resident of the country you are moving to. This may mean that you have to make a patient contribution toward the cost of your care.

When the cover on the S1 (or E106) expires, you cannot get any further medical cover from the UK until you receive a UK state pension. It is up to the country’s authorities to decided whether you are eligible to join their healthcare scheme. 

You will also be entitled to a UK-issued EHIC, allowing you to visit other EEA countries besides the one you are a resident with.

Comments are personal views. Any information they give has not been checked and may not be accurate.

WoodySenior63 said on 27 January 2012

A brief follow up to my previous comment. We obtained our S1 form without too much trouble and went to the AMELI Office in Saints (France) filled in the forms there and handed over all of the documentation that was required. Just received word from them that we cannot join the French system until we register our Gites as a business even though they are not ready yet.
Was also informed that the S1 was for retired people and we are simply unemployed. So we have no income until we have visitors. Can't join the French system and have to pay for everything just like going private and can't even go back to the UK for treatment as they don't want to know now that we have moved even having paid into the system for 47 years. If I was a criminal or an illegal immigrant I would be treated with no trouble, what is going on?
These comments should be reviewed at least monthly and the questions addressed.

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norsknut said on 26 January 2012

Help....can anyone help with this problem please .
I must go to live with my son Norway as I have secondary cancer . I will need his help and care ; I live alone in Uk .

Has anyone else moved abroad with a life limiting condition?
Thank you in advance.
Linda .

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CorkIan said on 11 January 2012

I moved to Cork last year and recently discovered I may need an operation. I would like to know if I could still get treatment on the NHS if required. What are the rules on this?

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Therowan said on 03 January 2012

I've retired to Ireland and have an EHIC issued by Ireland. I receive my state pension and a works pension from UK; looks as if I might need a knee replacement - would I be able to get it done in UK as dont have any faith in the HSE (irish Health service)

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mybestmate said on 16 December 2011

my mate lives in greece and is in hospital, can he come back to the UK and get treatment on the NHS?

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WoodySenior63 said on 03 December 2011

Why should the burden of proof default to the applicant surely all of the records are held by HMR and C on just what has been paid into the system in terms of age, period of time, PAYE and NIC over the years. I have paid in for 47 years and have 18 months to go before retirement at 65.

Like another commentator I would like to know why I cant do this 'on line' as after all the HMRC have been pushing this for quite a few years now for all of their returns.

I am about to embark on this form obtaining and filling in expedition but without much hope reading the comments already posted on this site.

This caper takes all of the fun out of a move to France which after all was a move to lessen stress not add to it.

Wish me luck everybody.

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ItalianKarma said on 07 October 2011

A friend recently moved to Italy - spent 22 years in the RAF, then left and worked in the UK for a number of years. Decided to work in the Middle East for 2 years to earn enough to buy a house in Italy to retire.

The house in Italy is on its way, sadly this friend is finding problems getting residency because he has not got an E106. He cannot get an E106 according to the British rules because he left the UK to work for a company in the Middle East (whilst still paying his UK taxes).

I find this absolutely dispicable and would like someone to make sense of this to me..... Work hard all your life to protect your Queen and country - get the finger at the end of it having paid into the system more than the majority?

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silverdawnpatricia said on 01 October 2011

I am an old age pensioner living in Luxembourg. I was in receipt of the UK state old age pension but decided to take advantage of the UK governments offer in 2009 to defer payment for a time in order to accrue credit which will increase the pension when I resume payment. 

A few weeks ago the Luxembourg Authorities advised me that the UK had written to them to say my E121 was cancelled and I was no longer entitled to any health benefits. 

This is the first time I have been contacted about this. I understand the EU rules changed in 2010 but I was not advised by anyone that this would affect the health benefits I was already receiving. 

There is nothing on the website to say that taking a pension 'holiday' will result in canceling health benefits for UK citizens residing in the EU.

I'm in receipt of the winter fuel allowance and a small UK private pension. 

The fact that my state pension is actually not paid into my bank account should not be a consideration.  My pension is accruing in my name until such time as I request it recommence being paid into my account.

Surely the new rules were not meant to deprive a British pensioner of health benefits when living within the EU merely because the British State pension is not actually being paid into their account?

I'm very concerned as a single pensioner left alone without medical cover within the EU.

Is there anyone else who finds themselves in this ludicrous, but serious situation?

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Khumo said on 20 September 2011

After completing the S1 form the beggining of August 2011. I was told the process will take 4 weeks and I will receive forms to take to the local authorities in Zurich at my new address. I was asked to fax my last payslip before leaving the UK on the 26 August. Faxed payslip on the 25th and rang the NHS overseas team the beginning of September to check if all is well and they have received the faxed payslip. I was told they did not receive and asked them to fax it again. Unfortunately I just moved house and do not have a fax or photocopying machine. I then posted my payslip as a registered and priority mail. Rang again a week later and was told it will take 2 weeks to process the mail and update my rfecord with the payslip. I was asked to ring a week later, 14 days after posting the payslip. I was surprised to be told they have not yet received my payslip and they will be looking at my file on the 27th of September. they promise to call but I do not hold my breath because a process that i was told take 4 weeks is actually going to take 8 weeks. While I do not mind the waiting, I felt that everytime I call I get a different story about my payslip and why they have not yet send me the forms that I have to take to the local authority in Zurich. I have lost hope of the process because I was told that I qualify to get treatment in abroad after completing the S1 form. I have paid tax and national insurance for the last 4 years as per their rules that you must have contributed National Insurance for the last 3 years prior to applying using the S1 form. I have lost faith andf hope that my case will be resolved - I have read posting on the site before applying and decided to do everything beforr leaving the UK so that I do not end up chasing and making endless phone calls but it has not helped me.

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AlbusDumbledore said on 16 September 2011

To: User590248

I'm guessing that you have been in touch with the Pension Service. 0191 218 7777 or 0044 191 218 7777 from abroad.

They should be able to advise you on that matter.

It sounds to me like if you go to work in Germany then you will need to apply through their local authorities and register under their Healthcare Scheme

To attain your S1 Form that should be issued from the UK when in receipt of your UK Pension. Again that should be registered with your local authorities and you will be able to apply for a UK-issued healthcard at that time.


So basically in my opinion yes, if you go to work in Germany because you are resident over there for 9 years before you receive your pension then you should apply through the relevant authorities over there.

When in receipt of your UK issued Pension your S1 form it should be issued automatically from the UK (Pension Service) but again you can contact them on the number ending 7777 mentioned above if it doesnt. Then you will be able to apply for a EHIC from the UK

I hope that this helps.

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User590248 said on 08 September 2011

In sympathy with lilycat and all the others...
I came to Germany to convalesce following a heart attack,last year i decided to make my home here.
In 9 years i reach the UK retirement age and will receive the state pension along with healthcare by a UK issued S1 form.However if i enter the German system by making any contribution to the German state healthcare system,i e by working here ,then the S1 form will not be issued by the UK but has to be requested from the German authorities.This form is then given to a private healthcare provider in Germany will generate a new EHIC card valid until death.
All the above is the opinion of the UK pension department and also of the UK healthcare system.
The truth is that no expat has any idea how to obtain an S1 on retirement from the german healthcare system because as far as my german friends are aware this does not exist.All healthcare in germany has to be paid for via a private healthcare provider,the cost of this has to come from your pension income( which in my case will be greater than my income) The German Healthcare system has no link with Pensions as does in the UK.
So what is the answer A) stay out of work/income for 9 years,or B) or waiver my entitlement to live anywhere in the EU.except back in England,then if i have worked here i need a German issued S1......!!!!!!!!!????
Any comments or help and advice please

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Perfidious Albion said on 01 September 2011

To: Astridklara (27 August 2011), I suggest you contact HM Revenue & Customs, Customer Operations; www.hmrc.gov.uk Tel: +44 191 2259824 (Mon-Thur 08H00 to 17H00 ; Fri 08H00 to 16H30); Fax: +44 191 2253708
Good luck!

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Perfidious Albion said on 01 September 2011

IMPORTANT > For anyone intending to apply for an S1 certificate, new or to renew, I've just been told to allow 8 weeks for HMRC to consider your application. From personal experience, this is still rather optimistic.

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Astridklara said on 27 August 2011

Hi,
How do I apply for a S1 Form ,I am on a temporary basis in Germany and need to bee insured.
Please Please help me.
Thank you

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Perfidious Albion said on 20 July 2011

Having had no news by 14th July regarding my S1 form, sent to HMRC end-May, to continue cover that had then expired, I was told that, 'because of the financial crisis', they were now considering applications sent on or before 6th April and therefore could not comment on my case. If I wanted to complain then they gave me a fax number !
No, I just want the service I pay my contributions for by direct debit every month and hope I don't bite my tongue too hard and need medical treatment in the next 8 weeks....

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Roytrnc said on 24 May 2011

My wife and I spend part of the year in Cyprus. When I tried to visit my GP of 23 years in November 2010, before travelling to Cyprus for the winter, I was told I by the management had been struck off their patient list because I had been too long out of the UK. The British High Commission in Cyprus held a roadshow last week for expats living on the island. A consular official stressed that people returning to the UK qualified for free treatment if they have lived there for 10 years or more. Who is right? Can I get back on a GP's register next month?

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Perfidious Albion said on 26 March 2011

As a mere mortel, I have no idea if what was an E106 which became an S1 is indeed the same as a CA8454 or if it's still acceptable to the powers that be. After an hour of poking about <into the bowels> of .gov. websites, I came across this:
http://www.hmrc.gov.uk/forms/ca8454.pdf
Good luck one and all!

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MHS_Swindon said on 15 March 2011

I would like someone in the UK NHS hierarchy to explain the true reason for the strange (to me) refusal to supply treatment to a UK citizen who has paid Tax and NI from 16 to 64, simply because they moved abroad to improve their health. Income tax is still being deducted from UK pensions, by the UK Gov. Even if they had continued to work in the UK, after 65 they would have stopped paying NI contributions while still paying Income Tax.
Perhaps it is to do with VAT on goods and the general Tax Income?
It is not logical to refuse persons of 65+ NHS support on grounds of taxes etc. To repeat - after 65 no NI payments are made in any case.

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Ann4 said on 13 February 2011

I hear 2 different facts coming from Newcastle. 1/ Regardless if you have an S1/E121 (through pension)if you have decided to return to work outside UK (but within the EU) then that country you are working in will supply your EHIC, not the UK.
Yet, there are people in the above situation applying to UK and receiving there EHIC. Should anyone from the department ever read this.....then I beg you please make it clear in your information sheets "Where to get your EHIC".
Does anyone know the correct answer?

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alanincordoba said on 20 January 2011

Elsewhere on this site someone asked,"does anyone take any notice of the comments we post". Without it being a major coincidence, yes they do, within minutes of me submitting yesterdays post received a call from Newcastle. The guy that called me assured me that our S1s would be posted immediately, he also commented that Newcastle was not efficient and that my emails had not been passed to the/his department.

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Lilycat said on 19 January 2011

The EHIC is totally useless for anyone who has moved permanently to another country as the Doctors and Dentists only accept it as a short term emergency treatment card. I have found out the hard way. I moved to Germany last December, had to have a tooth pulled and needed treatment for shingles, brought on by all the nerve wrecking experiences with the useless International Pension Centre. I had to pay the Doctor and the medication myself as I am now living here permanently and am not just on holiday.After several emails, giving all the details the IPC wanted to know, nothing happened. I got the same questions sent and nothing was done. They promise they will contact you 5 days after receiving your details but instead you get another mail with the same questions and that goes on and on for weeks. I would advise anybody moving abroad, get it all sorted before you move as you might be dead before the NHS is finally sorting you out. After paying in for 32 years and receiving a State Pension form UK , one is eligable, one would think. Think again because nobody else seems to be able to at the IPC

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alanincordoba said on 19 January 2011

I will try and keep this short because it is a long story.
September of last year telephoned Newcastle and explained that I had been receiving health care in Spain because of the social security payments I have paid here but that this had been stopped during follow up treatment for an eye operation in 2009.This was after being put on hold for about 5 minutes.
When I got to speak to someone I answered a load of security questions and then gave her our postal address to which she promised to send the requested forms.
My postal address is 10 minutes away by car, but I went to look for mail 2 or3 times a week, but to no avail.
After a month I eventually found an email address for Newcastle and sent an email asking what has append, the reply was that the address I had given them was not the address they had on record and that I should telephone them again. I replied that my original telephone call had cost me circa £20 (approximately 20% of my state pension). They then replied that if I gave them my mobile telephone number they would contact me, of course they did not. There then took place a number of exchanges by email, in one they claimed to have sent the form S1 but in later email exchanges would not confirm to what address.
Yesterday, nearly four months on I decided to telephone again who after the security question said that she assumed that S1s had been sent to the address I had given on my first telephone call but because I had worked legaly in Spain she did not believe that I was entitled but would check and phone me back. As Cilia used to say surprise/surprise. I n the meantime I ham gong blind for lack of treatment for glaucoma.
I believe that my only option is to return to the UK for treatment and of course claim the benefits I do not receive here, i.e. winter fuel allowance, housing benefits and possibly attendance allowance

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loopingt0n said on 14 December 2010

I would just like to add that I just contacted the Newcastle team, the lady I spoke to was extremely friendly, helpful and polite. I understand that these procedures are complex and this kind person her time to explain the process to me and entice all the correct information out of me.

Thank you for your help!

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skaman69 said on 06 October 2010

The call center was not helpful with my needs. I am a 60 year old male in cyprus retired early from UK. I have just recieved my permit to be permanent resident in Cyprus after giving 5 years of bills and account details. thinking this would entitle me to Cyprus NHS. I am told in Cyprus that I should have an S1 form. Therefore rang to find out how to get the same to be told I am not entitled. If I return to UK all is free including perscriptions. This being said what are my options. 1. Return to UK and apply for all benifits including housing and income support. 2. Stay here and go completley bankcrupt paying for my health care. 3. This department supplies me with relevant form so that i can register for healthcare in Cyprus............................. Disgruntled and going bust for what

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frustrateduser said on 22 September 2010

Another stunning failure. I contacted the Newcastle office from abroad and was, after much waiting, connected to a person with even less knowledge than me. When asked for advice I was palmed off on another dept. who then palmed me back to the same dept.
Clueless and obstructive does not even begin to give you an idea of the level of help on offer.
Essentially you could die abroad after spending 30 years paying into UK/EU funds and these people would tell you that you had out of date paperwork and your death was invalid and that, even though a corpse, you are required to return to the UK to sign a form that allows you to fall ill less than 300 miles from Dover. Unbelievable.
Why I pay tax is beyond me. When I need help there is none. Nothing but buck-passing and ignorance.
Stunning. Monumentally stunning.

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cameron4 said on 20 July 2010

i want to move to germany to be neare my son and was told because i recieve a small german state pension which is higer than my uk stae pension that germany is responsible for my health care, now my son has asked about this in germany and they dont know anything about thses rules, i called international pensions here in new castle to ask if they could put all this in writing for me their reply was they dont have any forms about this which seems funny to me if they are telling me all the details then surly i can get this in writing before i move to germant to find out that i am not covered there i am at a loss please help me

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louisamiller said on 29 June 2010

The bew Eu regulations coming into force says that you can have treatment in the Uk if you get your pension from the Uk.
Why is this not menioned on the NHS site?
It has come into force the same as the eHIC card now being available from UK

Louisa Miller
Look EU regulations up the EHIC card now available from UK is mentioned

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Mike Jackson said on 03 June 2010

It also helps if you get the phone numbers RIGHT to start with.
Tyneside code is 0191 -- there is no such exchange as 0190.
Sheeesh!

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PGolf said on 26 April 2010

Why is it always the people who need a facility are the very ones that can't access that facility. eg We live in Spain, have registered our E121 forms and now need to apply for our new EHIC card. WHY are we unable to complete these forms on line? I am told that this is because too many people who are not entitled to this facility will apply - does this mean that there is no screening, checking etc before the cards are sent out.?
Here in Spain, particularly in the Alicante region, postal services are virtually non existent and at the very best totally unreliable. We telephoned to request our forms to be sent to our post box address in March, and again in April. I am now at a loss as to how we can get these cards which we are entitled to.

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Last reviewed: 23/06/2011

Next review due: 23/06/2013

Contacts

Apply for a free EHIC online at www.ehic.org.uk.

The EHIC is entirely free of charge. However, other, unofficial, websites may charge you if you apply through them.

If you're having difficulties with the online application form or to update your personal details, call the automated service on 0845 606 2030.

For general enquiries about the EHIC, to replace a lost or stolen card, or claim refunds, call the Overseas Healthcare Team on 0191 218 1999. If calling from abroad ring +44 191 218 1999.

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