Health Insurance

Forum Brexit-related Health Insurance

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    • #1452
      keithjdKeith Davies
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      I have applied for ÖGK Selbstversicherung (State Health Self Insurance) but my request seems to be stuck in “Computer Says Wait” mode – Austrian Health Authorities have made 2 requests electronically via EESSI to UK; HMRC say they have not received the requests.

      In the meantime does anybody know of a full list of Private Health Insurance Products that are accepted by the Austrian Immigration Authorities.

      There is this list from MA35

      https://www.wien.gv.at/verwaltung/einwanderung/ahs-info/pdf/krankenversicherungen-englisch.pdf

      This does not seem comprehensive enough, they seem old and expensive.

      The Austrian Authorities have an internal list but they will not share this.

      What I found so far is

      a) Allianz Visitor Insurance 1804 – NOT Accepted by Austrian Authorities.
      b) Care Concept – They seem to restrict who they will take on.

    • #1493
      mikeMichael Bailey
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      Will see if I can find out through a contact.

    • #1494
      keithjdKeith Davies
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      Thank you!

      I had a search around the Facebook forums yesterday and the only ones I could see mentioned were Care Concept, Generali and SVS/SVA.

      I’m currently checking the Cigna policies with the authorities, BDAE also looks promising (https://www.bdae.com/en/private-clients/product-finder)

    • #1497
      mikeMichael Bailey
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      One option could be “Selbstversicherung” through SVA/SVS – one user in the facebook group has been looking at that approach:

      https://www.facebook.com/groups/BritishAustria/permalink/4685945444813153

    • #1500
      keithjdKeith Davies
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      The only issue with that might be the same problem I am having with ÖGK. ÖGK requests information from the HMRC via EESSI (electronically), HMRC denies receiving it. Until ÖGK receives the information, they won’t do anything. I have logged this on SOLVIT and the British Embassy in Austria

      In my case I have requested form CA3916 from HMRC myself (in the post apparently) and a letter from NHS Business Services Authority saying I am no longer “insured” with the NHS in the UK (received today).

      Fingers crossed ÖGK will move their position tomorrow as I have already provided them with other background material (e.g. letter from my GP and NI summary)

    • #1502
      keithjdKeith Davies
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      That’s a lovely thought isn’t it and I thought the same!

      The reality of the situation is that you can apply for it online, you can check progress online on your Personal Tax account -https://www.gov.uk/personal-tax-account. Approximately 2 weeks after submission, it looks like it is done but it is not in your electronic messages.

      You ring up HMRC, they say it is done and then tell you it is in the post and I am still waiting.

      They tell you at HMRC if it doesn’t arrive in 10 days ring them up again.

    • #1503
      keithjdKeith Davies
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      There’s a moral to the story here I think.

      a) Before you arrive in Austria check your National Insurance contributions and try to at least make up recent shortfalls – Takes a couple of weeks to show up.
      b) Move to Austria and get your Meldezettel
      c) Tell HMRC and NHS Business Services that you have moved to Austria and give them your new address
      d) Apply for your CA3916 from HMRC and a letter from NHS Business Services saying you are no longer registered with NHS in UK
      e) Then apply to ÖGK after a few weeks.

    • #1508
      keithjdKeith Davies
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      The Department that deals with NHS Overseas Healthcare (non S1 related) is NOT contactable by phone on +44(0)191 218 1999 as it is a Backoffice Department. You can only send them emails on nhsbsa.ohsregistrations@nhs.net

    • #1511
      keithjdKeith Davies
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      Just for reference a CA3916 from HMRC takes at least 2 weeks to be produced and can take 4 weeks to be posted.

    • #1522
      keithjdKeith Davies
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      OK the trick seems to be that you email NHS Business Services Authority on nhsbsa.ohsregistrations@nhs.net and ask for an Overseas Legislation Letter Certificate to say that the UK is longer responsible for your healthcare and it MUST have a date on it to say when they stopped being responsible. For expediency ask them to securely email it to you. You then send this to ÖGK and things start to move.

    • #1581
      perrigauxperrigaux
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      I am 67 and have lived in Vienna for 4 years. I’m worried about health insurance provision after Brexit. Any advice would be very welcome. Today I made my MA35 appointment. Thank you

    • #1582
      keithjdKeith Davies
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      Hi,

      I am not an expert in these matters but you could look at the following website – https://www.gov.uk/guidance/healthcare-in-austria

      If you are 67 (UK pension age), you lived in the UK and paid taxes in the UK you should look at the section that deals with “UK-funded healthcare: getting and using an S1 form in Austria”.

      Hope this helps!

    • #1588
      perrigauxperrigaux
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      Hello Keith thank you. I found the S1 thing but found it vague and wasn’t sure it applied. It’s all very confusing !

    • #1589
      keithjdKeith Davies
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      Your best bet is to call NHS Overseas Healthcare Services on Telephone: +44 (0)191 218 1999 and ask them if it applies to you. You will need to give them your UK National Insurance Number. They deal with S1’s and EHIC cards.

    • #1591
      keithjdKeith Davies
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      Forgot there is also the HMRC NI :Non UK Resident Team who are also quite helpful if they can be – +44 191 203 7010

      https://www.gov.uk/government/organisations/hm-revenue-customs/contact/national-insurance-enquiries-for-non-uk-residents

    • #1592
      perrigauxperrigaux
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      Thank you Keith you are most kind I will pursue both ut the last time I called about the S1 I got passed around in a never ending loop

    • #1593
      keithjdKeith Davies
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      No worries! I got given the runaround by NHS Overseas Healthcare Services too initially but S1’s should definitely fall within their remit. It may depend on your NI contributions which is why you should probably need to check with HMRC.

      If you get the runaround from NHS Overseas Healthcare Services their complaints email address is nhsbsa.ohscomplaints@nhs.net.

      The key thing is that HMRC need to have your up to date address details.

    • #1594
      perrigauxperrigaux
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      Goodness…success ! I called the number for S1s and this time got straight through to a very kind operative. Apparently my S1 was already issued at the time I claimed my pension but I have no idea where that went ! They are sending me a copy to my Vienna address ! Do you know what I do with it once it’s here, where I take it ? Many thanks again Keith ! What a relief !

    • #1595
      keithjdKeith Davies
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      Well Done!

      Some of the people on the NHS Overseas Services Helpline are helpful some are not. The information on the .gov.uk website says the following:

      “How to use an S1 form in Austria

      You must register your S1 form with the state health insurance fund (called ‘Österreichische Gesundheitskasse’ in German).

      Once registered, you’ll be given a card called an ‘e-card’. This shows that you’re entitled to healthcare on the same basis as an Austrian citizen.”

      As you are in Vienna I would call up the ÖGK in Wien and ask them what to do

      Österreichische Gesundheitskasse Wien
      Wienerbergstraße 15-19
      1100 Wien

      Tel.: 05 0766-11
      Fax: 05 0766-113003
      E-Mail:office-w@oegk.at

      https://www.gesundheitskasse.at/cdscontent/?contentid=10007.852097&portal=oegkwportal

      The post from the UK takes around a week but we are getting close to Xmas. If you don’t receive your S1 by post then ask the NHS Overseas Services Helpline if they can send it to you via NHS secure email (egress).

      Good luck and take care!

    • #1596
      perrigauxperrigaux
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      I will have to mail them as I called them and no one appears to speak English there !

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