For years, a decade even, a significant number of Britons have been migrating abroad upon retiring. Currently, there are 466,920 UK pensioners in EU countries. This is according to The Telegraph. The choice of destination depends on factors like healthcare costs, safety concerns, and the scenery in countries. The most important consideration to make while choosing a country abroad to retire in should, however, be the healthcare system provided. Dental healthcare especially, since seniors are at higher risk of oral health problems like tooth loss, decay, darkened teeth, and gum disease that can significantly lower their quality of life and, in some cases, bring about dire consequences.
Since the UK government, through the NHS, does not cover secondary medical care for ex-pats, not unless they are European Economic Area (EEA) nationals, choosing a country with a remarkable healthcare system is crucial. Just because you can access a cosmetic dentist Essex any day of the week does not mean you can do the same in retirement overseas retirement destination. Do your research and opt for countries that have established dental health care. This will help you live more independently for longer as you enjoy whatever good things your destination of choice has to offer. Different countries cover the health needs of foreign retirees in different ways with different costs, and here are some of the most favourable given the financial status of most retirees.
Australia offers one of the best healthcare systems in the world, with an index of 77.81, higher than the UK’s 74.88. This is according to Numbeo. The 2019 changes to health insurance reforms that the Australian government put in place ensure that its people receive better service provision. One of the recently implemented reforms is that health covers are simplified to four tiers, namely Gold, Silver, Bronze, and Basic. This ensures that over 55% of the population has some form of private insurance cover that not only meets their needs but is also affordable. As with a cosmetic dentist Essex, private insurance is required for most cosmetic dental procedures in the country.
The public healthcare system called Medicare is also available to Australian residents, and ex-pats provided you have a temporary visa. Senior citizens can qualify for a Commonwealth Seniors Health Card under a few conditions. One should be an Australian citizen aged 65 and above, who does not receive an Australian pension and receives an annual income of less than AUD 52,273. This card entitles you to cheaper prescriptions and doctors’ appointments. The flexibility of healthcare systems in Australia for seniors offers greater benefits and lower costs than from other highly regarded countries around the world.
Denmark is well known for its safety, organization, and numerous islands, which offer great scenery to visit during retirement. The Danish healthcare system has both primary and secondary care sectors. Healthcare services offered by the public system are free for all Denmark legal residents, but one has to have a yellow card to access these services. Ex-pats can also opt for additional private health insurance. To be part of the Danish Society and enjoy healthcare benefits, one needs a Central Person Register number.
Non-European nationals have to register under the nearest Borgerservice to get the CPR number. However, they have to meet certain terms and conditions in order to be issued with the yellow card. The cost of changing one’s doctor requires a fee of £ 23.56 unless one moves or the doctor changes or leaves their practice. The cost of living index is at £64.89, with rents at an average of £ 913.80. This is another great country to retire to if you are financially capable of funding your stay.
Belgium is well known for its highly-rated healthcare system. Health care is just as adequate as it is in the UK. The cost of living here is at £58.22, and rents are at an average of £780.91. Those who wish to retire to Belgium and do not want to work there need to apply in person at a UK-based consulate. Forms to be filled are usually in French, German, or Dutch and can be challenging for those who only speak English.
The benefits of the healthcare systems in Belgium include claiming back of up to 75% of costs incurred on healthcare. This applies provided the ex-pat registers with several local authorities. One is required to follow a laid-out process to access Belgian healthcare. This means you have to ensure you register with social securities, have your town-hall registration done, and have a residence visa, among others. Belgium also has reciprocal social security arrangements with which UK ex-pats can enjoy medical services like any other Belgian citizen.
Italy is famous for its rich culture, language, history, and food tastes. Individuals who love adventure should most definitely consider retiring to this country. For one to retire and become a resident here, you require an Italian consulate. You also require proof of passive income to acquire rental contracts. For an ex-pat to acquire healthcare, they need to be registered under the SSN (ServizioSanitarioNazionale).
The application for healthcare insurance is made at the nearest local health authority. For the application to pull through, an ex-pat is required to have certain documents. These documents include residence permit, tax number, proof of employment, and official identification. The Italian healthcare system includes public and private care. The Italian healthcare insurance card is especially useful for those who don’t qualify for public healthcare. Other than this, living in Italy is affordable what with its cost of living index at £ 55.24.
The Netherlands has its healthcare system ranking 2 points higher than that of the United Kingdom. A long term residency visa is acquired if you have work-related activities or an investment of £1.13 million in a Dutch company. The cost of basic health insurance is approximately £ 94.52. Everyone is required to have this within the first four months of arrival, even if you already have an insurance plan that covers you while you are in the Netherlands. Services are available to all applicants without regard for age or state of health.
However, the public healthcare system does not cover other expenses, such as psychiatric care, physiotherapy, or extensive dental expenses. These require one to acquire private health insurance. Insurance companies are, however, not obligated to give you a cover. Your age, state of health, and income determine if you get approved or not. The Dutch healthcare system is listed among the best, which is exactly what you want.
Retiring abroad requires careful planning to ensure that your golden years are comfortable and adventurous. The healthcare system the country provides will be your main caregiver, especially if your loved ones are not coming along with you. Choosing a country to settle in should not only be based on scenic beauty or enjoyment opportunities but also on the available health infrastructure. This will allow you to be a part of a new community and embrace diversity, knowing that you are safe and have a competent healthcare system supporting you away from home.