• Germany's news in English
Retiring abroad: ensuring your health is covered

Retiring abroad: ensuring your health is covered

The Local · 12 Sep 2016, 15:37

Published: 12 Sep 2016 16:37 GMT+02:00
Updated: 12 Sep 2016 15:37 GMT+02:00

Facebook Twitter Google+ reddit

There are, however, plenty of factors to consider, and ensuring that healthcare will be provided in your new home must be on your priority list.

Having ended your ties to a job, you can finally venture into a new place. Selecting a country to retire might be more difficult than one expects.

It’s not just about the culture and language, although those are of course important factors. But how expensive the cost of living is where you’d like to be? What type of property can you afford? What activities are available that match your interests? And, perhaps most important of all - will healthcare services be provided for you as an expat?

Making sure that the place you move to has quality healthcare facilities is very important in the retirement stage of your life. The good news is, with retirement abroad becoming more common, easier and affordable than years before, healthcare insurance policies are evolving to cover individuals that decide to take this step.

When it comes to health standards, statutory care, and emergency treatment, details vary from country to country. There are major differences in waiting times, cost, and accessibility for expats. Individual private medical insurance (IPMI) policies can often be more advantageous to expats than local policies are, as many of the benefits within these policies have been tailored specifically to suit expatriates.

“At Cigna Global, we specialise in health insurance policies for expats, ensuring the very best of care will be available to you as and when you need it, anywhere in the world,” said Arjan Toor, Managing Director of Cigna Global. Cigna currently provides health insurance for customers in over 200 countries and territories, with a medical network of over 1 million hospitals and medical professionals worldwide.

“As with the purchase of any product, one size almost certainly does not fit all,” Arjan adds. “For that very reason, we’ve created a products suite that can be tailored exactly to the needs of you and your family.”

All Cigna Global policies are fully medically underwritten, with the aim of providing full clarity and transparency on the implications of medical conditions. Full cancer care is a standard benefit included with all Cigna Global Policies, which also come with high limits – such as up to $3,000,000 of care per period of cover (Platinum level policies), covering things like surgeon fees, consultation fees, medical fees and hospital accommodation.

Get a quote from Cigna for International Health Insurance

In addition, there are three levels of coverage to choose from, so expats can choose just the right fit – with options including outpatient care, medical evacuation, and vision and dental care.

“As specialists in expatriate healthcare, we know it’s vital to continue to monitor the needs of the globally mobile population to continue to improve our products for expats.”

Extended benefits for senior customers

If you're 60 or over, you can benefit from new discounted rates from Cigna Global, as well as a new 60+ Care benefit, which provides outpatient cover for five common pre-existing conditions: Arthritis, joint or back pain, Glaucoma, Hypertension, Osteoporosis / Osteopenia and Type 2 Diabetes.

“We are constantly looking for ways to improve our offer, and with our new reduced premium rates and a fantastic 60+ Care benefit now available, there's never been a better time to buy Individual Private Medical Insurance from Cigna Global.”

For more information on Cigna Global, or to get a quote, please visit www.cignaglobal.com

This article was sponsored by Cigna Global.

Read more about expat healthcare:

Becoming an expat: where to start
Education abroad: How to find an international school
Why expats choose international health insurance
Retiring abroad: what you should know


For more news from Germany, join us on Facebook and Twitter.

The Local (news@thelocal.se)

Facebook Twitter Google+ reddit

Today's headlines
Creepy clown scare spreads to Germany
Two of the clowns were apparently equipped with chainsaws. Photo: Pedro Pardo / AFP file picture

Police said Friday five incidents involving so-called scary clowns had occurred in two north German town, including one assailant who hit a man with a baseball bat, amid fears that Halloween could spark a rash of similar attacks.

Student fined for spying on women via their webcams
Photo: DPA

Student from Munich fined €1,000 for spying on 32 different computers, using their webcams to take photographs, or record their keyboard history.

This is how much startup geeks earn in Germany
Photo: DPA

A comprehensive new survey of 143 startup founders shows how much you are likely to be earning at a German startup, from entry level all the way up to sitting on the board.

Man dies after beating for peeing near Freiburg church
The Johannes Church in Freiburg. Photo Jörgens Mi/Wikipedia

A middle-aged man from southern Germany has died after being attacked by a group of men who took umbrage with the fact he was urinating in the vicinity of a church.

The Local List
Seven German celebrities with uncanny doppelgängers
Former Berlin mayor Klaus Wowereit and actor Alec Baldwin. Photo: DPA; Gage Skidmore, Wikimedia Commons

Check out these seven look-a-likes of well known German figures - we admit that some are more tenuous than others...

Israel seeks to buy three new German submarines: report
A Dolphin class submarine. Photo: DPA

Israel is seeking to buy three more advanced submarines from Germany at a combined price of €1.2 billion, an Israeli newspaper reported Friday.

Here’s where people live the longest in Germany
Photo: DPA

Germans down south seem to know the secret to a long life.

More Germans identify as LGBT than in rest of Europe
Photo: DPA

The percentage of the German population which identifies as lesbian, gay, bisexual or transgender is higher than anywhere else in Europe, according to a new study.

'Reichsbürger' pair attack police in Saxony-Anhalt
File photo: DPA.

A "Reichsbürger" and his wife attacked police officers on Thursday, just a day after another Reichsbürger fatally shot an officer in Bavaria.

Five things not to miss at the Frankfurt Book Fair
Photo: DPA

From consulting a book doctor to immersing yourself in an author's world with the help of virtual reality, here are five things not to miss at this week's Frankfurt Book Fair, the world's largest publishing event.

Sponsored Article
How to vote absentee from abroad in the US elections
10 things you never knew about socialist East Germany
Sponsored Article
Last chance to vote absentee in the US elections
How Germans fell in love with America's favourite squash
How I ditched London for Berlin and became a published author
Sponsored Article
How to vote absentee from abroad in the US elections
12 clever German idioms that'll make you sound like a pro
23 fascinating facts you never knew about Berlin
9 unmissable events to check out in Germany this October
10 things you never knew about German reunification
10 things you're sure to notice after an Oktoberfest visit
Germany's 10 most Instagram-able places
15 pics that prove Germany is absolutely enchanting in autumn
10 German films you have to watch before you die
6 things about Munich that’ll stay with you forever
10 pieces of German slang you'll never learn in class
Ouch! Naked swimmer hospitalized after angler hooks his penis
Six reasons why Berlin is now known as 'the failed city'
15 tell-tale signs you’ll never quite master German
7 American habits that make Germans very, very uncomfortable
Story of a fugitive cow who outwitted police for weeks before capture
Eleven famous Germans with surnames that'll make your sides split
The best ways to get a visa as an American in Germany
jobs available
Toytown Germany
Germany's English-speaking crowd