Health Care

Healthcare

Health care is one of the most important factors to consider if you move abroad. This is a hot topic right now, especially for the 40 million Americans who can’t afford health insurance in the U.S.

We’ve got you covered: Learn where to find the best-quality, most affordable health care in the world from our expert expats, who share their overseas health care experiences.

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Chiang Mai, Thailand: Excellent Healthcare That Doesn’t Break the Bank

A long with being a low-cost and tropical retirement haven, Thailand has long been an international destination for medical tourism. Why? Because healthcare is low cost and excellent quality. I should know. I’m a retired Canadian schoolteacher living in the northern city of Chiang Mai, with personal experience of two hospitals here—one public and one private. In both I felt welcomed and unrushed. And in general I’ve found the health professionals in this city maintain a high quality of empathy and caring for all their patients.

cancun

The City Our Dreams Were Made Of…

Financial struggles weren’t the only thing motivating our retirement abroad, but I’d be lying if I didn’t admit that’s what got us looking for an out-of-the-box solution to begin with. Like a lot of people during the financial crisis, my husband, Donald, and I took a big hit. Here we were nearing the end of our working years, and our financial security had evaporated in a seeming instant. My husband had his second heart attack in three years, and then lost his job—along with his medical insurance. We were tired, vulnerable, and drowning in stress. I remember my husband declaring that he felt as if he’d, “been running a marathon for 60 years.” We both worked regular jobs, and even started a couple of small businesses on the side to claw our way back. But it would be years before we could hope to retire, and we were spending all our time and energy just to hold on.

penang

Low Costs, Sunshine, and Great Healthcare in the “Pearl of the Orient”

One of the oldest outposts of the former British Empire, Penang delivers 110 square miles of tropical treasures. A lush, mountainous island oozing history and heritage, Victorians christened it “the Pearl of the Orient.” It lies anchored on the Spice Route, just off Malaysia’s west coast, a mere two-hour drive from the borders of southern Thailand. For these reasons and more, many foreign retirees opt for a new life on Penang, only a 50-minute flight from Kuala Lumpur. It’s also accessible by an eight-mile long road bridge and a ferry from the mainland that runs 24 hours a day. A second bridge was completed mid-2014 and a tunnel is planned for 2034.

Central Valley

Picking the Perfect Retirement Destination

In 2008, when my husband Paul and I first started talking about the possibility of retiring overseas, we really only considered two countries: Mexico and Costa Rica. I often wonder why we didn’t consider more countries at the time; there are so many great options. At the time, though, we only thought of countries where we’d had some personal experience. First up was Mexico. Paul lived and went to college there in the ’70s and has always had a love for both the country and its culture, so it was natural that Mexico was on our short list. I had visited Costa Rica on a business trip in the ’90s and remembered it as a beautiful country that I always wanted to visit again.

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The Five Best Retirement Havens for Quality Healthcare Overseas

Spiraling healthcare and insurance costs are a thing of the past for thousands of North Americans who have found their dream retirement haven abroad. If you’re still mulling your overseas options, then the availability of quality and affordable healthcare is likely a primary concern. Over the next few pages, we explore five countries hand-picked by our expat experts for the exceptionally high quality of their healthcare. All five destinations have become expat hubs, and the North Americans who now call them home—including our correspondents—can attest to the high level of care they’ve received there.

The-Last-Word

Kiss Your Healthcare Worries Goodbye

Recently I spent a month in the U.S. visiting family and friends. It was my longest continuous stint “back home” since I moved to Mexico eight years ago. It was a great opportunity to reconnect with loved ones and enjoy the U.S., and I did. There’s a lot that I love about my home country, including its beauty, the sheer convenience of life there, and, of course, its familiarity. I don’t include the high—indeed, exorbitant—cost of U.S. healthcare on that list of things I love. Those who live in the U.S. don’t have any choice—that expensive healthcare is all they have. But in moving abroad I gained a choice in the matter, and it’s been one of the best things about my move.

Panama

“Why I Chose Panama”

Crackle! Pop! Fizz! It isn’t my morning cereal talking to me. It’s midnight on February 14, and the sound of fireworks has us all running to the balcony. Over Panama Bay, we watch flower and star-shaped formations explode into the night sky, then cascade into the Pacific. Back in the States, Valentine’s Day would hardly be cause for such jubilation, but in Panama it is Carnival season. The dates change every year, so festivities can take place during the four days preceding Catholic Lent. One might say that Panamanians mark their calendars religiously, but Carnival is not about being good or saintly. Quite the opposite, in fact.

David

We Don’t Worry About Healthcare Costs in Panama

Ah yes, another warm, sunny day in Panama is drawing to a close. It’s been just one of many afternoons spent reclining lazily on our terrace watching the iguanas, birds, and squirrels cavorting in our yard. Unfortunately the day did not start out that way. My poor husband suffers periodically from allergies and, after completing some vigorous yard work he had irritated, sore eyes and itchy skin. But after a quick trip to our local farmacia (pharmacy) he was symptom-free.

5 Countries with the Best Healthcare in the World

Residents of the country pay into La Caja. The fee is 7% to 11% of the person’s monthly income, which provides coverage for a spouse as well as a dependent. “After you pay your monthly fee, you receive free care,” says InternationalLiving.com Costa Rica editor Jason Holland. “Anything you need is available through a nationwide network of clinics and hospitals: doctor’s visits, medical testing, prescriptions, major surgeries, and hospitalization,” Holland says.

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Low-Cost and Personal: The Pleasant Truth about Health Care in Ecuador

Each morning Tennessee natives Bobby and Becca Vines are greeted by views of two stunning volcanoes. Small-town life in Cotacachi, Ecuador, is never dull, and the couple spends their days viewing international films, enjoying live music, and visiting with the locals. Bobby and Becca spent much of their lives devoted to educating Tennessee schoolchildren. But as retirement neared, the couple knew their teachers’ pensions wouldn’t be enough to allow them to continue living comfortably just outside Nashville.

Kuala-Lumpur-Malaysia

Where to Find the Best Healthcare in the World

Living in a sunny, low-cost, laidback destination overseas doesn’t mean that you have to forego good healthcare. In fact, in many countries abroad, the healthcare you’ll enjoy is second to none…and more affordable than you’ve ever dreamed possible. Below are the five countries which received the top scores in the healthcare category of International Living’s Annual Global Retirement Index 2015.

Cuenca

Better Health, More Happiness, and Lower Costs in Cuenca

Though we moved to picturesque colonial city of Cuenca, Ecuador in 2010, we left again two years ago. That’s right…we left our retirement paradise to try out life on the Central Coast of California in San Luis Obispo where we spent our honeymoon 40 years ago. We were 20 minutes from the Pacific Ocean with its spectacular fireball sunsets and enjoyed some of California’s best beaches, including Pismo, Morro Bay, and Avila. It was our good fortune, to find a 1,200-square-foot apartment on Craigslist—fully furnished—for $895 a month (with utilities and internet it came to $960). It was a bargain.

Cuenca

Enjoy a Low Cost of Living in Cuenca, Ecuador

My wife and I have lived in Cuenca, Ecuador for years and continue to be amazed at how far we can stretch our dollars while enjoying a high quality of life. Let’s break down some of those costs so you can compare your current budget with what you might expect to pay in Cuenca, beginning with activities that are free. How much does it cost to attend the symphony and museums where you live? Guess what—there is no charge for either in Cuenca. How about your gym membership? The city offers free Zumba classes in parks all over town several times each week.

France

French Health Care: Why It’s Still A Bargain

It’s no surprise that many people considering a move to France are eager to know more about France’s universal health care program. The World Health Organization has recognized France as having the best overall health care system in the world. Health care costs are low, the quality of care is high, and nobody can be rejected for a pre-existing medical condition. What’s not to like? Expats usually gain eligibility for insurance benefits from the national health care system (known as Couverture Maladie Universelle or “CMU”) in either of two ways. First, you can become eligible by paying into the French social security system.

David

What I Discovered About Panama’s Health Care

My health care experiences here range from routine lab tests to extended hospital stays. Panama, like most other Central American countries, has a dual health care system, with both private and public options. Anyone may use either system, but the public system aims to provide medical services to citizens and residents who are enrolled in the Caja de Seguro Social (social security program). Tourists and expats (including my husband Al and me) primarily use the private system. You’ll find it better equipped and staffed, as well as more comparable to North American standards.

Puerto-Vallarta

A “Medical Miracle” in Puerto Vallarta

These days I’m pain free. I have all my flexibility back, I can enjoy the things I love doing, and it’s all thanks to a trip to Mexico. I’m one of many people who have traveled to Mexico for medical care. I was diagnosed with osteoarthritis in my hips four years ago, and it came upon me quickly. I was at the height of my career but was forced to stop working due to pain and difficulty walking. I had been an athletic person all my life and an enthusiastic golfer…no more.

David

Panama Keeps on Getting Better and Better

In 2007, my wife and I were ready to make a change. We were looking for a more affordable, healthier way of life and there was one country that ticked all the boxes: Panama. Before we moved, we did a lot of research on Latin American countries that we could consider retiring to. Panama’s benefits really stood out. The country is stable, with a literacy rate higher than the U.S., health care is inexpensive, and the country’s diet is healthier. Additionally, the currency here is the American dollar and the culture is friendly and welcoming.

Ecuador

Revealed: The World’s Best Retirement Havens in 2015

InternationalLiving.com’s just-released Annual Global Retirement Index profiles the best destinations for good-value living around the world today. Using input from a large team of correspondents on the ground all over the world, the Index combines real-world insights about climate, health care, cost of living, and much more to draw up a comprehensive list of the best bang-for-your buck retirement destinations on the planet. “The world’s top retirement havens for 2015 may dot the landscape from Asia to Latin America to Europe, but they share certain assets,” says InternationalLiving.com’s executive editor, Jennifer Stevens. “They’re safe, offer good value, and are places you can settle with relative ease.

koh-samui

Great Health Care on the Island Paradise of Koh Samui

When you come from San Diego, California, most people think, “You are already in paradise, why would you ever leave?” But after traveling throughout Thailand and Malaysia, Ron Bond fell in love with Koh Samui, Thailand. So he went home, tied up loose ends, and moved there three months later. Back in the States, Ron had it all: a booming hypnotherapy business, a beautiful home near the beach, and great friends and family. But he also had a severe back problem that left him constantly needing prescription drugs to manage the pain.

Cotacachi

The World’s Best Places to Retire in 2015

From the quaint town of Cotacachi to the vibrant capital, Quito, from Salinas by the sea to the peaks of the Andes, Ecuador’s diversity is a key part of the massive appeal that sees it regain the coveted top spot on this year’s retirement index. Although prices have risen slightly in recent years, Ecuador’s real estate is still the best value you’ll find anywhere. This is bolstered by the generous array of benefits the government has afforded to retirees. Over-65s get discounts on flights originating in Ecuador, as well as up to 50% off entry to movies and sporting events. Discounts are also available on public transport (50%) and utilities, with the option of a free landline if you purchase a property.

Ecuador

Ecuador: The World’s Best Retirement Haven in 2015

Ecuador takes top spot in this year’s Annual Global Retirement Index. Every year, International Living releases this Index after months of research. With the assistance of dozens of expats and experts around the world…data is collated and numbers are crunched…to identify the very best retirement destinations in the world in 2015. Using input from our team of correspondents on the ground all over the world, we combine real-world insights about climate, health care, cost of living, and much more to draw up a comprehensive list of the best bang-for-your-buck retirement destinations on the planet. Twenty-five countries made it on to the list this year, and Ecuador gets the highest score.

Ecuador-health

Improve Your Health With a Better Diet in Ecuador

Ecuador makes it to the top of the list for many people who are considering a move abroad. Climate, cost of living, culture, and ease of obtaining residence are some of the reasons often cited. But an often overlooked benefit is the potential for improved health due to a better diet. Most expats in Ecuador find themselves eating much more fresh produce than they did back home and the reason can be summed up in two words—variety and availability. While Ecuador does have supermarkets, every town has a centrally located farmer’s market. This is where most people prefer to shop, especially for produce. And the reason is simple. The variety of fruits and vegetables is great quality and prices are typically a fraction of what you’d pay back home. In addition, because of the climate, fresh produce is available year-round. This reduces or eliminates the need to buy frozen or canned foods.

Chiriqi-Panama

High-Quality and Affordable Health Care in Chiriquí, Panama

I’ve lived in David, in western Panama, for five years. My husband Al and I came for the great climate, the easy living and affordable costs, and the rich variety of things to keep us busy. But as we get older that’s not enough…we also need access to good health care. Well, I’m here to tell you that you can find the best of care at a fraction of what you’ll pay back in the U.S. Your doctors will often speak English, and they are far easier to access than back home, too.

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The World’s Best Retirement Destinations for 2015

With spiraling costs compelling more and more North Americans to retire overseas, retiring abroad has never been more attractive. But finding the right location among the myriad options available can be daunting. That’s what our Annual Global Retirement Index does. Using input from our team of correspondents on the ground all over the world, we combine real-world insights about climate, health care, cost of living, and much more to draw up a comprehensive list of the best bang-for-your buck retirement destinations on the planet. Keep in mind that, even though only 25 countries feature on our list, all of them are worth your attention. We selected them from among all the countries in the world for their qualities as retirement hot-spots, so even the lowest-ranked nation on our index is still very much an option worth considering.

Cuenca, Ecuador

Escaping the Rat Race for Cultured Cuenca

While most New Yorkers are busy trying to make a living and not a life, Diane and Jim Shanley are enjoying the fun life in sunny Cuenca, Ecuador. There was a lot to draw the couple to this city. Cuenca, the “pearl” of Ecuador nestled high in the Andes Mountains at 8,314 feet, boasts spring-like temperatures in the 50s to high 70s all year long. It’s the cultural capital of Ecuador with free concerts, an international film festival, and plentiful gourmet restaurants. It’s also a UNESCO World Heritage site with stunning colonial architecture, which attracts tourists from around the world.

Nicaragua

Enjoy a Stress-Free and Healthier Lifestyle in San Juan del Sur, Nicaragua

First, there’s the food… The supermarket produce sections in the U.S. are picture perfect: intensely orange oranges; big, shiny red apples; greens without a bit of brown. But, Nicaragua doesn’t paint, wax, and shine its produce, so I eat wonderfully sweet oranges with no beautifying chemicals added (for a fraction of what they cost in the U.S). I also eat fresh-caught (not frozen or farm-raised) fish twice or three times a week and real free-range chicken (that has been allowed to run free and is not injected with growth hormones.) The rest of my diet includes tropical fruits and vegetables fresh from the farm.

cotacahci

Retired in an Ecuadorian Mountain Town

In their 30 years of marriage, John and Vickie Kendall had often talked of living abroad. But their work as nurses in the Pacific Northwest kept them occupied and tied to the U.S. They began formulating a plan to retire and then move overseas in the summer of 2013. “We had been to Thailand and were looking at that as a possibility. And we were looking at Panama, Uruguay, and then Ecuador came up, so we were considering all different places,” says John. “But when we got down to it, we realized we wanted to be in the Western Hemisphere so that we weren’t too far away from home.”

Lake-Arenal

A Perfect Spot in Costa Rica – No Matter Your Taste

Costa Rica is a small country, about the size of West Virginia. Overall, you’ll find a low cost of living (many retired expat couples I meet live well on around $2,000 a month)…top-notch, low-cost medical care…friendly people—the national motto is Pura Vida, which translates to “life is good”…and bargain real estate—you can rent from $300 a month and up and find North America-style homes for $150,000 or less. But tiny Costa Rica has a tremendous variety of climates, lifestyles, and landscapes within its borders: bustling beach resorts, quiet fishing villages, high mountain towns, vast farmlands, looming volcanoes, lush rainforests, isolated rural areas…

Boquete

Where’s the Best Place to Live in Panama’s Highland Province?

Recently, I was talking to some IL readers. They’d heard about Panama’s mountainous Chiriquí Province and had a lot of great questions for me. One, in particular, gave me pause. “If you had to pick the one best place to live in all of Chiriquí, where would it be?” asked a retired gentleman from Saskatchewan. “Well,” I mused, “for me it would be about halfway between David and Boquete, because it’s just right.” Take the climate: Boquete, an area that is particularly popular with expats, rests on the slope of the Baru Volcano at about 4,000 feet elevation.

grecia

Spectacular Views, Great Health Care, and All for $1,700 a Month in Grecia, Costa Rica

When Harry and Barbara Jones were planning their retirement abroad, they had several countries in mind based on their research: Panama, Costa Rica, Belize, and Ecuador. They scouted Costa Rica first because they had been years ago on a cruise and were impressed with the country. After that first trip, they never made it anywhere else. The warm and friendly people, the low cost of living, and the natural beauty sold them. The couple, from Charlotte, North Carolina, at first looked at property on the beach but weren’t fans of the heat and humidity. So they headed inland and up into the mountains of the Central Valley, specifically the town of Grecia.

Cuenca

Escape the Economic Storm Clouds with Life in Ecuador

2008 was a very tough year for my wife and me. At the time, we were living the good life in Las Vegas—big home, high-paying jobs, investments that were propelling us toward our retirement goals. Then what I refer to as the “Economic Tsunami” hit, and we were among the many casualties of that global financial meltdown. When we both found ourselves downsized, we naively thought, “No problem. With our skillsets we’ll have no trouble finding another great job.”

boquete

Chiriquí: Low-Cost Living in Panama’s “Land of Plenty”

A tour of Chiriquí Province will take you from Panama’s highest point, 11,440 feet at the peak of Baru Volcano, to sea level and sandy beaches along the Gulf of Chiriquí. You’ll find 20,000-plus expats living throughout the province. Whether you prefer the beach or the mountains, living in town or out in the country, bright sunshine or cool cloud cover, Chiriquí offers you a choice… For instance,the near-perfect climate is one of the main reasons as many as 12,000 expats now call the town and district of Boquete home. Its elevation of 3,940 feet on the eastern slope of Baru Volcano means normally cool temperatures around 80 F in the daytime and 60 F at night, with frequent misty rain called bajareque.

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From Canada to Chiang Mai—Low-Cost Life in Thailand’s “Rose of the North”

Each morning I wake to a symphony of songbirds and roosters. Somehow, my wife, Nancy, usually sleeps through this, but for me it’s the start of another relaxed day in retirement. We live in a 968-square-foot condominium in the center of Chiang Mai, the principal city in northern Thailand. We have two balconies overlooking a large wooded farm—an uncommon rural oasis in this growing city. Despite this, we’re close to everything—trendy cafés, glitzy malls, and craft beer pubs.

Salinas,-Ecuador

Save Money with a Sea-View in Ecuador

Although my wife and I have spent 13 weeks of 2013 in Ecuador, and this Sunday celebrated our tenth month as full-time residents of the beachfront town of Salinas, we still from time to time experience “pinch me” moments where we can’t believe this is our life. Take, for example, last evening when we took a stroll down the brick walkway along the beach. It was about 6 p.m., so the sun was not quite down yet and there was a red glow to the western skies. Although it is November and back on the eastern seaboard in the States it was windy and cold, here in Salinas it was just under 74 F with a cool ocean breeze.

David

Expats Enjoy Healthy, Low-Cost Living in Chiriquí—Panama’s Bread-Basket Province

“The first time I saw Chiriquí Province I was enchanted. It felt familiar and was just so green. Although I was born and raised in New Jersey, I’m a country girl at heart and Chiriquí felt like home,” says InternationalLiving.com’s Panama highlands correspondent Linda Card. Chiriquí is one of nine provinces in Panama, and borders Costa Rica to the west. Mostly rural, the landscape is among the most scenic in the country, with mountains defining the skyline. Acres of fruits and vegetables thrive in the rich volcanic soil, while cattle and horses laze in verdant pastures.

Salinas, Ecuador

Expats Report Improved Health and Weight Loss When They Move Overseas

With good, fresh food, more exercise, and clean air, expats say they live a healthier lifestyle overseas and it’s easy to do so. Americans Denver Gray and his wife Ann moved to the beach town of Salinas, Ecuador in March of 2013. “After we bought our condo, we came to Salinas for five weeks to set things up,” says Gray. “Some interesting things happened during those five weeks. Without any deliberate attempts to change our diet or lifestyle, my wife and I each lost 10 pounds.”

Cuenca

Why I Never Left This Ecuadorian Colonial Town

The colonial city of Cuenca, Ecuador, draws vacationers from all over the world…and it has a tendency to turn visitors into permanent residents. That’s what happened to me four years ago. My three-month visit turned into a six-month stay…Then a year passed and I still hadn’t left. Cuenca has become home. I’ve been to some great places in the world and have loved them—places like Spain, Italy, or even Argentina. So why do I stay in Cuenca when there are so many other great places I could be living? Well, there are three big reasons I keep staying (and staying and staying).

Bocas del Toro

Panama Is So Affordable for Us

Whenever my husband Gary and I need a break from sitting on our terrace watching the iguanas, or doing a myriad of other activities in and around our neighborhood, in Panama, we love to hop in our car and go exploring. That’s not to say we don’t love where we live in Panama’s highlands. We decided a few years back to spend part of the year in the province of Chiriquí, in Panama’s southwest corner—we’re snowbirds, escaping cold winters back home in Canada. We chose Panama as our half-time home because it has the greatest program in the world for retirees, the pensionado.

Panama City

“This Part of Panama City Is Perfect”

“We spent about five years researching good retirement destinations before actually moving to Panama,” says Bill Hamilton who moved with his wife Mieke to the country’s capital city. “I’m the type of person to look up every single thing…crime rates, politics, cost of living, real estate, health care…and Panama City kept popping up in my research as the best option across the board.” Though in their 60s and already retired from previous careers, the Hamiltons made the decision to move in order to take a stab at running the Balboa Inn, a nine-room B&B in Panama City.

San Ramon, Costa Rica

San Ramon, Costa Rica: A Perfect Retirement

It wasn’t the practical reasons, like lower cost of living, great—and cheap—medical care, and friendly people, that convinced Dave Scott to move to San Ramón, a town on the western edge of Costa Rica’s Central Valley region. Though the country has all those advantages and more, and while those were factors in the decision, it was something else that drew him. “It was like an invisible string around my neck pulling me here,” says Dave. “It’s more of a heart thing than a head thing. It’s hard to explain. It was just the feeling I had.”

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