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Guidance: Healthcare for UK nationals living in Liechtenstein

Department Of Health

October 22
17:09 2021

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This guidance will be updated if anything changes to how you get state healthcare in Liechtenstein.

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This information is about living in Liechtenstein. Theres different guidance if youre visiting Liechtenstein.

If youve been living in Liechtenstein since before 1 January 2021, 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 3 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.

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.

UK nationals usually access the Liechtenstein healthcare system in one of these ways:

  • state mandatory health insurance
  • registering a UK-issued S1 form with one of the insurance funds (see UK-funded healthcare: getting and using an S1 form in Liechtenstein below)

Healthcare if you live and work in Liechtenstein

If you are planning on moving to Liechtenstein, see the guidance on Living in Liechtenstein for more information about visa and residency requirements.

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 that covers you for additional costs such as dental care, or healthcare from a provider that is not contracted with the Office of Public Health.

Once youre a resident you may also be entitled to a Liechtenstein European Health Insurance Card (EHIC) for travel.

If you were living in Liechtenstein before 1 January 2021

If youve been living in Liechtenstein since before 1 January 2021, your rights to access healthcare in Liechtenstein will stay the same for as long as you remain resident.

This means you may also be entitled to:

  • a Liechtenstein EHIC for travel, including visits to the UK
  • a UK S1 if you start drawing a UK State Pension (see UK-funded healthcare: getting and using an S1 form in Liechtenstein below).

How to register for healthcare

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 to access healthcare services

Find your nearest hospital or clinic on this GOV.UK webpage.

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. From the ages of 16 to 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.

Healthcare for posted workers who started before 1 January 2021

UK posted workers can access healthcare in Liechtenstein using a UK-issued EHIC or an S1 if Liechtenstein agrees to let the posting continue.

If Liechtenstein does not agree to let the posting continue, you may need to do one or more of the following:

  • join a local healthcare scheme
  • cover the cost of your healthcare with private health insurance

Healthcare for posted workers moving to Liechtenstein

You may need to:

  • join a local healthcare scheme
  • cover the cost of your healthcare with private health insurance

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.

UK-funded healthcare: getting and using an S1 in Liechtenstein

Theres different guidance if you have an S1 as a posted worker (see If your UK employer has sent you to Liechtenstein temporarily (posted workers) above).

If youve been living in Liechtenstein since before 1 January 2021, you may be entitled to state healthcare paid for by the UK if youre a Liechtenstein resident 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 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 form, 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.

Youll also get:

Dependants and family members may be classified differently in Liechtenstein than the UK.

Check with the local authorities when you register your S1 form.

If youre entitled to an S1 form as a dependant of a State Pensioner, your health cover will be cancelled once you begin claiming your UK State Pension.

You will be sent a new S1 form to your registered address from NHS Overseas Healthcare Services. You must register this fo

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