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This information is about living in Liechtenstein. Theres different guidance if youre visiting Liechtenstein.
If you live in Liechtenstein or move there before the end of 2020, your rights to access healthcare in Liechtenstein will stay the same for as long as you remain resident.
This guidance explains what you need to do in Liechtenstein depending on your circumstances.
You must have health insurance to live in Liechtenstein. There are around 10 insurers that offer state mandatory insurance.
Even with insurance, healthcare is not free. You usually need to pay part of the cost of the treatment that you receive.
Theres only one hospital in Liechtenstein in the capital city Vaduz. You usually need to get approval from the National Office of Health (Amt fur Gesundheit) to be treated there, except in emergencies.
The Liechtenstein government has arrangements with some hospitals in other countries such as Austria and Switzerland. Patients who need specialist treatment can be transferred there.
At the moment, UK nationals usually access the Liechtenstein healthcare system in one of these ways:
- state mandatory health insurance
- using a UK-issued European Health Insurance Card (EHIC) for temporary stays
- registering a UK-issued S1 with one of the insurance funds
The S1 certificate entitles UK nationals access to state healthcare on the same basis as a Liechtenstein citizen. Youre entitled to an S1 if you receive a UK State Pension or certain other benefits. Find out more about the S1.
Healthcare if you live and work in Liechtenstein
You need to get a resident permit to live in Liechtenstein and you need to take out health insurance. There are 3 insurance providers:
Your dependants need to register for health insurance individually.
You can also buy extra insurance, often called extended compulsory health insurance. This could cover you for additional costs such as dental care, or healthcare from a provider that is not contracted with the Office of Public Health.
If you live in Liechtenstein or move there before the end of 2020, your rights to access healthcare in Liechtenstein will stay the same from 1 January 2021 for as long as you remain resident.
This means youll:
- continue to get state healthcare in Liechtenstein on the same basis as a Liechtenstein resident
- still be entitled to a Liechtenstein EHIC for travel, including visits to the UK
You may also have the right to apply for a UK S1 if you start drawing a UK State Pension.
How to register
Once you have a residence permit, you can choose a health insurance provider to join.
Once youve registered, your insurance provider will give you a health insurance card (Versicherungskarte). Show this when you visit a doctor.
When choosing a GP (website in German), make sure they provide state-funded healthcare.
Go to the GP practice to register and bring your health insurance card.
How much youll pay
Youll need to pay an annual cost (premium) for your insurance cover, as well as payments towards any healthcare you access (co-payments).
The insurance companies calculate their own premiums, but theyre usually about 300 to 320 Swiss francs per month.
Theres no premium to pay for children until theyre 16. Between the ages of 16 and 20 the premium is half price.
If youre working, half of your premium will be covered by your employer.
Your co-payments depend on your age and other circumstances.
You do not need to pay co-payments if:
- youre under 21
- youre chronically ill
If youre 21 to 64 you must pay the first 500 Swiss francs of any healthcare that year (this is your excess or deductible). After that you pay 20% of your healthcare costs until you reach a maximum of 1,400 Swiss francs that year.
If youre over 65, you pay the same excess and then 10% of any healthcare costs after this until you reach a maximum of 950 Swiss francs that year.
Usually healthcare providers send a bill directly to your insurance company, who will then work out how much you need to pay. If you have reached your maximum then the insurance company will pay.
All dental care in Liechtenstein is private and must be paid for in full.
If your UK employer has sent you to Liechtenstein temporarily (posted workers)
A posted worker is someone who is employed or self-employed in the UK, but temporarily sent to another European Economic Area (EEA) country.
Currently, posted workers can use an EHIC or an S1 certificate to access Liechtenstein healthcare.
HMRC has a helpline for National Insurance enquiries from non-UK residents. They can answer questions about posted worker status and explain which documents you will need to get healthcare while posted.
There will be no changes to healthcare access for posted workers in Liechtenstein before the end of 2020.
You can continue to use your EHIC or S1 during this time.
UK-funded healthcare: using an S1 in Liechtenstein
You may be entitled to state healthcare paid for by the UK if you live in Liechtenstein and receive either:
- a UK State Pension
- some other exportable benefits
Not all UK benefits that can be claimed while abroad entitle you to UK-funded healthcare. Read more about claiming benefits if you move abroad or contact Jobcentre Plus to ask about a benefit.
You may also be entitled to an S1 if youre a posted worker or frontier worker (someone who works in one state and lives in another). You must contact HMRC National Insurance enquiries to find out if youre eligible.
Once you have an S1 certificate, you must register it on the Liechtenstein system.
This will mean you and your dependants will be entitled to healthcare on the same basis as a Liechtenstein citizen.
How to get an S1
If you have a UK State Pension, you must request an application form by phone from NHS Overseas Healthcare Services.
NHS Overseas Healthcare Services
Telephone: +44 (0)191 218 1999
Monday to Friday, 8am to 6pm
Saturday, 9am to 3pm
How to use an S1 in Liechtenstein
You must register your S1 with the National Office of Health (Amt fur Gesundheit, website in German) and then join a health insurance provider.
When registering your S1 you may be asked for a copy of your S1 and some ID.
The address is:
Once registered, you will be given a medical card. This will show youre entitled to healthcare on the same basis as a Liechtenstein citizen.
UK-funded healthcare using an S1 from 1 January 2021
If youre living in Liechtenstein before the end of 2020, your rights to access healthcare will stay the same from 1 January 2021 if youre either:
- receiving a UK State Pension
- receiving some other exportable benefits
- a frontier worker (someone who works in one state and lives in another)
This means that youll get: