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Home Retirement/Living

Health Insurance Overseas

Kathleen Peddicord by Kathleen Peddicord
Aug 22, 2010
in Retirement/Living
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The cost of healthcare overseas can be 80% less than in the US.
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Top Health Insurance Options For The Retiree Abroad

Since we left the States about 13 years ago, we’ve carried Bupa international health insurance. Our policy is based in Ireland, as that’s where we were living when we bought it.

Now we’re in Panama, and we’re thinking that, were a condition to develop for Lief, me, or young Jackson that required long-term, ongoing care, we’d likely have to travel back to Ireland to get it. That seems impractical, so we’re moving our Bupa coverage to Panama.

Practically speaking, we’re getting new international health insurance. The exercise is requiring health inquiries and doctor’s visits. The good news is that, even though Lief and I are now both over 40 (we weren’t when we purchased our original coverage in Ireland), our premium costs will be very affordable, only slightly more than what we’ve been paying all these years for our Ireland-based coverage.

Specifically, our new policy will cost US$3,500 per year for the three of us, or (if you do the straight math) about US$300 per month, again for our family of three. As I said, that seems very affordable to me.

And it includes coverage worldwide. We can seek treatment and be covered under this policy anywhere in the world, including in the United States.

That is not to say that this is U.S. insurance. This is an important point to understand. When I’ve written about the cost of international health care in the past, readers in the States have written back to quote the premium prices they were quoted by Bupa when they inquired about international insurance based in their home country.

Bupa is an international health insurance. It is not U.S. health insurance, and I don’t recommend it as such. You might be able to purchase a Bupa health insurance policy while you’re resident in the United States, but it will cost you dearly. One American reader living in the United States wrote recently to say that he’d shopped for a Bupa policy for himself and his wife and been quoted an annual premium of US$11,000.

The cost of your international health insurance will be determined by the following things: your age, any pre-existing conditions, and, most important, where you’re residing when you purchase the policy. That is where the policy’s coverage will be based.

The United States is the most expensive place in the world right now to seek medical care. Bupa knows that as well as the rest of us.

Kathleen Peddicord

Tags: bupa insurancehealth insurance overseas
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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

Her newest book, "How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad," published by Penguin Random House, is the culmination of decades of personal experience living and investing around the world.

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