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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.

There鈥檚 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
• using a UK-issued GHIC or EHIC for temporary stays when studying, or as a 鈥榩osted鈥� (detached) worker
• registering a UK-issued S1 form with one of the insurance funds (see 鈥楿K-funded healthcare: getting and using an S1 form in Liechtenstein鈥� 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:

• (website in German)

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 you鈥檙e a resident, you may also be entitled to a Liechtenstein EHIC for travel.

How to register for healthcare

Once you have a residence permit, you can choose a health insurance provider to join.

Once you鈥檝e registered, your insurance provider will give you a health insurance card (Versicherungskarte). Show this when you visit a doctor.

When (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.

How much you鈥檒l pay

You鈥檒l 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 they鈥檙e usually about 300 to 320 Swiss Francs per month.

There鈥檚 no premium to pay for children until they鈥檙e 16. From the ages of 16 to 20, the premium is half price.

If you鈥檙e 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:

• you鈥檙e under 21
• you鈥檙e chronically ill

If you鈥檙e aged 21 to 64, you must pay the first 500 Swiss Francs of any healthcare that year (this is your 鈥榚xcess鈥� or 鈥榙eductible鈥�). After that, you pay 20% of your healthcare costs until you reach a maximum of 1,400 Swiss Francs that year.

If you鈥檙e 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 (鈥榩osted workers鈥�)

A posted worker is someone who is employed or self-employed in the UK, but temporarily sent to another European Economic Area (EEA) country.

You can use your UK GHIC, EHIC or registered S1 form to access healthcare in Liechtenstein on the same basis as a Liechtenstein citizen.

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

There鈥檚 different guidance if you have an S1 as a 鈥榩osted worker鈥� (see 鈥業f your UK employer has sent you to Liechtenstein temporarily (鈥榩osted workers鈥�)鈥� above).

You may be entitled to state healthcare paid for by the UK if you鈥檙e a Liechtenstein resident and receive either:

• a UK State Pension
• some other 鈥榚xportable benefits鈥�

You may also be entitled to an S1 if you鈥檙e a frontier worker (someone who works in one state and lives in another). You must contact HMRC National Insurance enquiries to find out if you鈥檙e 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.

You鈥檒l also get:

• a UK-issued GHIC or EHIC for travel
• planned treatments in the EEA

You can find out more about and the rules on on the NHS website.

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 you鈥檙e 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 form to ensure continuation of healthcare cover.

You are responsible for informing NHS Overseas Healthcare Services if you change your address or your circumstances change.

How to get an S1

If you have a UK State Pension or another qualifying exportable benefit, you must request an application form by phone from NHS Overseas Healthcare Services (see contact details above).

How to use an S1 in Liechtenstein

You must register your S1 with the (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 you鈥檙e entitled to healthcare on the same basis as a Liechtenstein citizen.

GHIC or EHIC if you have a registered S1

You can get a valid UK-issued GHIC or EHIC.

Studying in Liechtenstein

You should apply for a Student聽GHIC聽to get medically necessary, state-provided healthcare for the duration of your study period in Liechtenstein, whether this is for part of or the full duration of your course. This means that you鈥檒l get necessary healthcare services on the same basis as a Liechtenstein citizen either for free or at a reduced cost.

If you already hold a valid Student聽EHIC,聽you can use this until the card expires.

on the NHS website.

As part of the immigration process, you may have to:

• take out private travel insurance with healthcare coverage
• register as a resident to get state health insurance

Getting treatment in the UK

Because the NHS is a residency-based system, under NHS rules UK nationals who move abroad on a permanent basis may lose their entitlement to free NHS healthcare.

If you are a UK national and move to the EU, Norway, Iceland, Liechtenstein or Switzerland, you should not expect to be able to use NHS services for free when visiting the UK unless you have an EHIC, PRC or S2 to show your healthcare costs are funded by the EU country in which you now live or by Norway, Iceland, Liechtenstein or Switzerland, or another exemption applies.

Some former UK residents do not have to pay for NHS treatment when visiting England. This includes:

• UK war pensioners
• UK government employees
• UK nationals living in the EU on or before 31 December 2020, once they have a registered, UK-issued S1

Read more about using the NHS when you no longer live in the UK (see 鈥楿K nationals who no longer live in the UK鈥� in Healthcare for visitors to the UK from the EU).

If you return to live in the UK, you鈥檒l be able to use the NHS like any other UK resident.

Read more about using the NHS when you return to live in the UK.