Why Healthcare Planning Matters More After 60

• Increased risk of illness – age-related health issues such as diabetes, heart problems, or arthritis become more common.

• Rising costs – healthcare costs are increasing worldwide. Older retirees are usually charged higher premiums.

• Access to quality care – in some countries, public systems may be limited, and private hospitals are the best option. In the UK access has been slow the last couple of years or so too.

• Peace of mind – having insurance ensures you’re not left worrying about large medical bills. Don't risk it.

Healthcare Options Abroad

1. Public Healthcare Systems

Some countries (such as Spain, Portugal, or France) allow expats access to their public healthcare systems, often through reciprocal agreements or local contributions.

• Pros: Usually affordable, covers basic needs.

• Cons: Language barriers, longer waiting times, and limited coverage in some areas.

In Vietnam, public hospitals exist but are often underfunded and overcrowded, with limited English-speaking staff.

2. Private Healthcare

Private hospitals and clinics offer higher standards of care, often with English-speaking doctors and modern facilities.

• Pros: Faster service, better facilities, choice of doctors.

• Cons: Costs can be very high without insurance.

In Hanoi, many expats use private hospitals such as Vinmec International Hospital or Hanoi French Hospital. 

I have had to use the services of two different hospitals here in Hanoi and I can say the service I recieved and standard of service so far has been first class. Ok I had to pay but access was unbelievably fast, emailed on a Thursday for an appointment was seen the Tuesday of the following week. 

3. Health Insurance

Most retirees abroad rely on private health insurance to cover medical expenses.. Policies vary but typically include:

• Inpatient and outpatient care.

• Emergency medical evacuation.

• Specialist consultations and diagnostics.

• But be aware as a Brit used to NHS it can be quiet expensive.

How Much Does Healthcare Cost Abroad?

Costs vary greatly depending on the country and type of care.

• In Vietnam, a consultation at a private hospital can cost £30–£60.

• Surgery or hospital stays can run into thousands.

• Emergency evacuation (e.g., to Bangkok or Singapore) can cost £20,000–£50,000.

Without insurance, these costs can quickly drain retirement savings.

Types of Health Insurance for Retirees Abroad

1. International Health Insurance

Covers you in multiple countries, often including medical evacuation. Ideal for retirees who travel or split time between countries.  I took out a policy that covers me for all of South East Asia. So if I go abroad anywhere in SE Asia I am covered or if the worse happens and I need a hospital sometimes it might be best to shop around for the best service in a nearby country.  

• Best for: Retirees moving permanently abroad but still travelling occasionally.

• Cost: Higher premiums, often £2,000–£5,000 per year for over 60s. But I took out a policy with a company called Tanzing Pacific. They listened to my requirements and provide a package that met my needs at a very reasonable price.  Contact them I am sure they will be able to help you too.  Click on the banner on the top of the page or here. 

2. Local Health Insurance

Covers you within your country of residence only.

• Best for: Retirees settled permanently in one country (e.g., Vietnam).

• Cost: Cheaper than international cover, often £800–£1,500 per year.

3. Travel Insurance

Provides short-term cover for trips abroad, but not designed for long-term living.

• Best for: Short visits, not retirement abroad.

Things to Consider When Choosing Health Insurance

1. Pre-existing Conditions

   • Many policies exclude pre-existing conditions or charge higher premiums.

   • Be honest in your application, as false information can void claims.

   • Infact a couple of online insurance sites simply replied we cannot insure you!!

2. Age Limits

   • Some insurers stop offering new policies after 65 or 70. 

   • Existing policies can usually be renewed but may rise in cost.

3. Coverage Area

   • Do you need cover only in Vietnam, or in neighbouring countries too?

   • Some retirees prefer regional or worldwide cover for peace of mind.

4. Evacuation and Repatriation

   • Ensure your policy covers emergency evacuation to a higher-standard hospital if needed.

5. Excess and Co-Payments

   • Policies with higher excesses are cheaper but mean you pay more upfront.

Healthcare in Vietnam: What Retirees Need to Know

If you’re planning to retire in Hanoi:

• Public hospitals are low cost but basic.

• Private hospitals are modern but can be expensive.

• Health insurance is strongly recommended, especially for those over 60.

• Routine care (dentistry, check-ups, minor treatments) is affordable and often paid out of pocket.

For example:

• Dental check-up: around £15–£25 usually. Amazingly though I've been told check ups are free from a couple of the local dentist, just pay for treatment.

• Prescription medicine: often cheaper than in the UK. 

• Opticians: I wear contact lenses in my right eye. I was paying £15 a month for contact lenses and an annual check up in the UK. I managed to find the exact same lenses I wear in a Opticians in Hanoi for £3.00 per lense.

• MRI scan at Vinmec Hospital: around £250.

NHS Coverage After Moving Abroad

Can I still use the NHS if I retire abroad?

• Once you become non-resident, you are generally not entitled to free NHS care.

• You may still get emergency care if visiting the UK, but you may be charged.

• Returning permanently to the UK usually restores NHS access.

Tips to Keep Healthcare Affordable Abroad

1. Shop Around for Insurance – Compare international and local insurers.

2. Consider a Higher Excess – Lowers premiums but keep savings aside for small claims.

3. Use Local Clinics for Routine Care – Pay out of pocket for minor issues, save insurance for bigger costs.

4. Stay Healthy – Regular exercise, good diet, and preventive care reduce medical costs long-term.

5. Review Your Policy Annually – Needs and health conditions change over time.

FAQs

Q: Do I need health insurance if I retire in Vietnam?
Yes. While routine care is affordable, major hospital treatment or evacuation can be extremely expensive.

Q: Can I keep using the NHS if I move abroad?
Not for free. The NHS is a residence-based system. Non-residents must usually pay for treatment.

Q: Will pre-existing conditions be covered?
Usually not, unless you pay extra or find a specialist policy.

Q: Is healthcare in Hanoi good enough for serious illness?
For many treatments, yes. But for complex cases, evacuation to Bangkok or Singapore is common.

Q: Can I get international insurance if I’m over 70?
Yes, but options are fewer and premiums are much higher.

Conclusion

For retirees over 60, healthcare and health insurance are essential considerations when moving abroad.

• In countries like Vietnam, private hospitals provide good care, but costs can be high.

• Health insurance gives peace of mind, especially with emergency evacuation included.

• While NHS access is lost after moving abroad, careful planning ensures you remain covered.

Ultimately, your health is your most valuable asset in retirement. By investing in the right insurance and staying proactive about your wellbeing, you can enjoy a secure and fulfilling retirement abroad.