Retire to Ireland, Krankenkasse contributions?

Everything related to health insurance
Post Reply
Feierabend
Posts: 60
Joined: Mon Mar 04, 2024 1:26 pm
Has thanked: 30 times
Been thanked: 47 times

Retire to Ireland, Krankenkasse contributions?

Post by Feierabend »

Am weighing up the possibilites of moving to Ireland. As an Irish/UK citizen and in receipt of a German state pension this should not be a problem under EU law. I should be entitled to a Medical Card there because of reciprocal arrangements. (Optional to take out private if wanted.)
From krankenkassen.de site:
"Pensioners with statutory health insurance:
German pensioners are and remain members of the German pension insurance system..... .. German pensioners who settle in other EU countries continue to be entitled to medical treatment in their home country."
I'm puzzled as to whether I would have to continue to pay into the German KK or whether that would cease on deregistering from DE? Appreciate it if anyone knows!
kiplette
Posts: 168
Joined: Thu Feb 22, 2024 5:55 pm
Location: Weserbergland
Has thanked: 241 times
Been thanked: 141 times

Re: Retire to Ireland, Krankenkasse contributions?

Post by kiplette »

Arunadasi did this - she had a load of hassle with the KK as I remember, but her citizenship(s) situation was different and I don't know what effect that had.

I think Pandamunich was helping her back in the day.

Hopefully one of them will come on and tell you useful stuff.
Feierabend
Posts: 60
Joined: Mon Mar 04, 2024 1:26 pm
Has thanked: 30 times
Been thanked: 47 times

Re: Retire to Ireland, Krankenkasse contributions?

Post by Feierabend »

Thanks, just investigating pros and cons at the moment!
fro90
Posts: 4
Joined: Wed Oct 30, 2024 6:29 pm
Been thanked: 4 times

Re: Retire to Ireland, Krankenkasse contributions?

Post by fro90 »

Replying a little late to this post, but a family member had a similar situation and from what I know is the following:

If you retire in Ireland and receive a state pension from:
  • Germany, but not Ireland: Germany remains the competent state for your healthcare, and you are required to stay insured with your Krankenkasse. You would use an S1 form to access healthcare in Ireland.
  • Ireland and Germany (or any other country): Ireland becomes responsible for your healthcare, regardless of how long you worked there. You would no longer need to remain a member of the German Krankenkasse.
  • Germany and the UK (or any other country): The competent state is usually the country where you worked the longest or receive the largest pension. That country issues the S1 form, which allows you to register for public healthcare in Ireland.
Feierabend
Posts: 60
Joined: Mon Mar 04, 2024 1:26 pm
Has thanked: 30 times
Been thanked: 47 times

Re: Retire to Ireland, Krankenkasse contributions?

Post by Feierabend »

Now that's interesting fro, thanks!
I have both German and UK state pensions but was not aware of the info in the third point.
I had got to the stage of assuming that I'd have to continue with my Kk contributions, expensive, as in your first paragraph. I believe however that then you're still entitled to access German health care. (Needs investigating.)
However, the 3rd point seems to cover me (worked longer in UK than De) which would presumably mean I would stop health conributions. That would free up money for top up private in Ireland (if wanted, whereas if I had to pay into the Kk still that becomes unmanageable.)
I see I must write to DWP and also arrange an advice meeting at my Krankenkasse. Thanks again.
Post Reply