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. Many are unable to get private health care.
Access to quality care – in some countries, public systems may be limited, and private hospitals are the best option.
Peace of mind – having insurance ensures you’re not left worrying about large medical bills.
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. From my experience using 2 of them they are very clean, professional , excellent value for money and many of the staff speak some English
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.
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. I have attended the Specialist Eye Hospital, following an operation I had in the UK, it cost my 300.000 vnd or about £10 for an appoinment.
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.
Best for: Retirees moving permanently abroad but still travelling occasionally.
Cost: Higher premiums, often £2,000–£5,000 per year for over 60s.
I struggled in finding reasonable priced private health insurance, I was shocked at some of the quotes I recieved and other online providers I enquired about refused to insure me. If you have pre-existing conditions these are generally not covered either. I eventually found a company that provided a very competitive price and suitable t&c's.
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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.
Things to Consider When Choosing Health Insurance
Pre-existing Conditions
Many policies exclude pre-existing conditions or charge higher premiums.
Be honest in your application, as false information can void claims.
Age Limits
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.
Evacuation and Repatriation
Excess and Co-Payments
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 vary. In Vietnam check ups are usually free. Scale and polish cost me £9. I even had cosmetic treatment - venner bridge and 10 zirconia veneers and it only cost me £330. Cheaper than the UK!!
Prescription medicine: often cheaper than in the UK. Many medications can be bought over the counter without a prescription.
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 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
A common question is: 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
Shop Around for Insurance – Compare international and local insurers.
Consider a Higher Excess – Lowers premiums but keep savings aside for small claims.
Use Local Clinics for Routine Care – Pay out of pocket for minor issues, save insurance for bigger costs.
Stay Healthy – Regular exercise, good diet, and preventive care reduce medical costs long-term.
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.
