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About alexunterwegs

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  • Location Hamburg
  • Nationality British
  1. S1 Health Insurance and Brexit Questions

    There is a clear link between entitlement to a UK State pension and the S1 form which guarentees reciprocal healthcare. And as you say, national insurance partly funds the State pension.   Anyway, even if the healthcare payments have not come directly out of the national insurance "pot", those of us with a lifetime's service in the UK  will have paid income tax, so either way we will have contributed to funding the NHS, as indeed pensioners still in the UK have. In fact, I continue to pay all my taxes into the UK system.    If you have worked in Germany or are in receipt of a German pension, then the German funding rules will apply.  
  2. S1 Health Insurance and Brexit Questions

    So how is NHS healthcare funded for people no longer economically active in the UK system?  Or for that matter, for people who are still economically active.  My understanding of the EU reciprocal healthcare system is that if you have previously paid into a publicly funded healthcare system, elsewhere in Europe, you are eligible for support in another member state. I remember discussing this with my Krankenkasse, and they confirmed that the NHS was classed as a publicy funded healthcare system. If you have been an employee in the UK , you will have made payments into NHS system, whether directly or indirectly.  The S1 system, which the UK Government now seems prepared to wriggle out of, unless the Withdrawal Agreement is made to apply, is for those reaching state pension age. They make transfer payments, for those who have paid national insurance contributions, into the EU member state's health system. It is linked to your entiitlement to a UK state pension.    
  3. S1 Health Insurance and Brexit Questions

    So what? If you move to Canada etc. you know what the rules are before you go.  The UK Government wants to change the rules retrospectively for people who made their future plans in Europe. Changing rules retrospectively is underhand and generally condemned. Like a Council putting a road across your land without compensation. I wouldn't mind so much if the Government was prepared to offer compensation, but they weren't. Except for a laughable offer that we could be treated under the NHS. Yeah, an 1100 mile round trip from Hamburg for routine check ups. Very helpful!  Just hope that a No Deal is avoided, for scores of other reasons too, and all this becomes academic. 
  4. S1 Health Insurance and Brexit Questions

      A privilege really? So paying national insurance contributions during our working lives gives the UK Government the right to pocket them in breach of their commitments which they signed up to, and just leave UK nationals high and dry, because they couldn't be bothered to think through the fine detail of a No Deal scenario? No private health insurance company would get away with that.     
  5. S1 Health Insurance and Brexit Questions

    Aside from the point as to what Petedln has been doing about planning for Brexit over the last 3 years, he asks some extremly valid questions.  Yes of of course we can all scroll through to the DExEU, British Embassy  or perhaps more relevantly in the case of S1 health insurance, the DWP Overseas Healthcare webpages. However, firstly, only in the last few months have they been updating their Brexit relevant info seriously. But secondly, I wouldn't be taking what they state as being gospel. It is what they think they can get away with.    I think it is nothing short of scandalous how the UK Government wants to deal with healthcare for us expats in the event of a No Deal. In effect they are saying, we can't continue funding it because the EU/EU governments won't allow us to. Firstly, you need to ask the question, why would the EU governments want to block funding from the UK on behalf of  UK nationals. And if there is some obscure technical reason why they can't accept it, what's preventing the UK Departments reimbursing qualifying UK nationals direct? It need not involve EU authorities at all.  I think its just a very neat excuse for the UK Government to cut back on its commitments. In effect, let the EU take the blame and tough luck for the old buffers who've retired into Europe. I've worked in UK local government and know how the politics in these situations work. Where there is a full postbag of loud irate  residents, taxpayers on the warpath,  or a couple of friendly old buffers seeking some clarifications, its usually the path of least resistance which is taken. I think there are too many UK expats falling too easily into the latter category. The UK Government says so , so that must be the way it has to be.   The S1 healthcare is existential for many of us. Thank goodness the EU Parliament seem to be on our side. If we do go through with this idiotic Brexit, which produces zero benefits for almost everyone, then we have to make sure at the very least,  the negotiated Withdrawal Agreement, where our  citizens rights have some protection, is part of it, ie No Deal is ruled out.   
  6. Moving soon – (how) can I vote in the EU Parliament elections?   This article in New Europeans suggests that there is a choice where to vote. Although it is directed at catching Europeans from the other 27countries  living in the UK from slipping through the net, it seems clear that they have a choice (hence the form to confirm they are only voting in the UK). 
  7. Moving soon – (how) can I vote in the EU Parliament elections?

      Thanks. I think I'll give my last UK local authority a ring just to confirm. Not that I'd want to, but the system does seem open to abuse if people get multiple votes when they have lived in different countries.   
  8. Moving soon – (how) can I vote in the EU Parliament elections?

    As a UK national who has been living in Germany for 3 years, do I get a choice whetehr to vote in the Euro  elections in either Germany or the UK? Obviously for General Elections, there is a right for 15 years after setting up abroad to still vote in UK elections.  I still have a permanent address in England. Given the toxicity of the election in the UK, feel my vote would have so much more relevance if cast there.   
  9. Brexit: The fallout

      Phew! So if I get diagnosed with cancer or other long term illness before 29th March, I'll be covered. Mind you, after a year I'll be on my own.    Oh, and I can get free NHS treatment if I return to the UK. I may have paid nat ins. contributions into the UK system for 30 years but they are so generous. And  thought though the point of the citizens rights negotiations was so we could living our lives in Europe. Silly me.     
  10. Brexit: The fallout

      In the meantime, it appears we are not a priority. We are just collateral damage. That's why this must be sorted out now, when we are still in the EU. Obviously, the common sense thing would be to prevent a No Deal. Just another of the little deatils that those who just "want to get on with it" don't stop to think about.
  11. Brexit: The fallout

      But we can still arrive at bilateral deals as a non EU country. It happens in lots of cases, eg Double Taxation agreements.Also, as I understand, the welfare for their  own expats is a priority for EU Governments. But irrespective, the UK Government could still reimburse UK pensioners regardless of what EU authorities agree. 
  12. Brexit: The fallout

      Absolutely. Sure it would  involve extra admin. for the UK Departments, but this is their problem. We are innocent people just trying to get on with our lives. The onus is with those causing the problems to find the solutions. Why should we have to help bail  the Government out for their crazy failed Brexit strategy? 
  13. Brexit: The fallout

      But I haven't heard T May or ministers say they would protect UK nationals rights either. Instead they just blame EU or EU governments. Assuming we are talking about individual EU governments now, why would they block payments being made from the UK on behalf of UK nationals?   Or even as I suggested, if the UK government reimbursed UK pensioners direct, why would that be a problem for EU governments?
  14. Brexit: The fallout

      I'm not blaming Germany or the EU. I'm blaming the UK Government.   I understand that the existing reciprocal healthcare agreement is part of EU membership, but pensioners would retain access to it under the negotiated Withdrawal Agreement. So why is not possible to retain access in a No Deal scenario?   Theresa May says protecting the rights of UK nationals is an absolute priority, and below is part of a recent reply I received from the Dept Of Health; " The UK Government appreciates the importance of retaining reciprocal healthcare arrangements with the EU and has been clear in its negotiations that it wants to protect the rights of UK citizens in the EU.".   But on the other hand, the UK Government suggests it is out of their control. As I said, if the UK Government really wants to protect UK nationals, there is nothing stopping them reimbursing them direct.         
  15. Brexit: The fallout

    When it comes to taxpayers hard earned money, I am also one of them, currenly paying into the UK system. Imagine the uproar if the Government suddenly decided not to fund pensioners NHS requirements in the UK. Just because we are not living in the UK, doesn't justify the Government just scrapping unilaterally what they are signed up to.  No private insurance policy would get away with just pocketing its members premiums and walking off.