I mentioned some time ago that I have been caught out in the matter of health care cover here but did not go into detail. I do so now for three reasons: to point out the absurdity of the rules, to warn others and to ask if any readers have more information.
As I understand it, if you move from the UK to another EU country and are not of state pension age, your entitlement to health care in the new country depends on your UK National Insurance contributions over the last three years. For health reasons, I retired from secondary school teaching ten years ago and since then have worked virtually full-time in adult education, but at an hourly rate. My NI contributions have entitled me to health care here, under
Form E106, from July 2005 to January 2007. Even if my contributions had been higher, my entitlement would have ceased in July 2007 as two years is the longest period of cover you can receive under Form E106, unless you are in receipt of UK disability or incapacity benefit or similar. After that period, you are on your own! [You may be covered again when you reach state pensionable age but in my case that is unlikely as I will not receive a full state pension.] So it is that
an EU citizen can find himself / herself without health cover within the EU. [If you are working in the new country, it is not a problem, I understand, but again, what would happen upon retirement?]
This state of affairs appears to me to be both unjust and ridiculous as if I were in the UK and not working my entitlement to state health care would not depend on previous NI contributions [though eligibility for health benefits would, but that is a different matter] . My beef is that I taught for twenty-three years in the nation's schools and the situation I was in eventually made me ill. I pulled myself back from that illness and sought other employment, the irony being that, had I been claiming incapacity benefit , I would have cover here now. Another irony is that, if I were a non-EU citizen, I could simply pay the Italian State 700 - 800 euros per annum - which I would be perfectly happy to do - and receive cover. Now it seems that I will have to take out private health insurance which I cannot really afford. So much for equal rights for EU citizens within the EU!!
It is important to point out that none of this is due to failures or bureaucracy within the Italian system. Indeed, all the officials I have spoken to have been as mystified by the rules as I am and have done all in their power to help. The fault lies within the bureaucracy and administration of the EU.
Does anyone out there have more information? Have people elsewhere been caught out? [My internet reading suggests that they have.] Can anyone suggest a solution?
I am aware that some American readers will have a different attitude towards private health insurance and can only say that British people do not expect to have to purchase it!