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Health Care

Discussion forum for expats moving to or living in Spain.

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Re: Health Care

Post Posted: Wed Jun 28, 2006 7:18 pm

So seeing as I'm resident in Spain and can't very well take advantage of the NHS, I ought to be able to opt out of paying NI and instead pay 240€ into the Spanish system?
But presumably that will affect my future UK state pension....

Hmmm.....tricky

 

Avocado
Regular Poster
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Re: Health Care

Post Posted: Wed Jun 28, 2006 8:41 pm

But if you are young enough to get a few years contributions in here you may well be entitled to a small Spanish pension.

 

casaianda
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Re: Health Care

Post Posted: Wed Jun 28, 2006 9:37 pm

Yes it would effect your Uk Pension but you would be able to draw from both the UK and Spain as they have an agreement between eachother. So you won't lose out that is for sure.

My understanding is that the system is better in Spain so you may want to check into it.

 

cajun_spice98
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Re: Health Care

Post Posted: Thu Jun 29, 2006 5:09 pm

Avocado - Does the DWP know that you are resident in Spain?

Come September, I'll be in the same position as you; living in Spain but employed by a UK company and working over the Internet. I researched this issue and came to the conclusion that there is no legislation here or in Spain that covers it. DWP say that you shouldn't pay NI if you are not resident in the UK. (Try persuading your UK employer not to make the deductions!) Spain says that you can only pay SS contributions on Spanish earnings.

So you can't just declare yourself self employed and pay 'autonomo' contributions - but that wouldn't make sense anyway as the minimum €240 per month is probably 3 times as much as a typical private health policy.

 

RMCG
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Re: Health Care

Post Posted: Thu Jun 29, 2006 5:51 pm

Hi RMCG,
The DWP doesn't know about my situation yet, I've only just been granted residencia, so I need to get all my affairs in order now.

I would have thought that a UK employer would be only too happy not to have to deduct NI because they have to pay NI for their employees too.

I agree that 240€ a month is quite a lot, but if it would mean that my wife and two small children can both access the state health system then it's probably worth it. But you say that I can't just declare myself self-employed and start paying?

I know I can always simply take out private health insurance for us all, but I really want to keep up my pension contributions because I have a good 25 years still to go before I can retire.

What can be done?

 

Avocado
Regular Poster
Regular Poster
 
 
  
Re: Health Care

Post Posted: Fri Jun 30, 2006 1:04 am

for Avocado
I've just had a note from the DHs in the UK if your here and pay full stamp in the uk you are intitled to health cover in spain for the first year and you have to contact HM revenue and customs for further years
give them an email there quite good at getting back to you

 

10am
Newbie
Newbie
 
 
  
Re: Health Care

Post Posted: Fri Jun 30, 2006 2:41 pm

Cheers for that, 10am.

I've just been on the phone to HMRC in Newcastle and they say I have to apply for form E106 which, if accepted, will enable myself and my family to access the Spanish state health system.

So what you're saying is correct - if you pay full NI in UK then it entitles you to health cover in Spain.

 

Avocado
Regular Poster
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