Retired expatriate insurance
I'm retiring abroad
Mondassur offers several ranges of health insurance for retirees under 75.
Finding the right international health insurance for Retirees becomes increasingly important and often more difficult once you reach the age of 65. At Mondassur, we offer several health insurance options for retirees under 75, tailored to your needs and budget. With quality coverage and peace of mind, you can fully enjoy your retirement abroad.
Retirement insurance abroad
Gold Start
Intermediate coverage
International health insurance for your life abroad, with a good level of cover at an attractive price.
From
63€
- Worldwide coverage
- Maximum membership age: 70
- Covers hospitalization and routine medical care
- Up to €300,000 per year (€500,000 for the USA)
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Retirement insurance abroad
Gold Visa
Balanced coverage
Get the best cover at the best price with our Gold Visa insurance, health cover adapted to retirees abroad.
From
99€
- Worldwide coverage
- Maximum membership age: 75
- Covers hospitalization and routine medical care
- Up to €100,000 per year
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Legal protection
Retirement insurance abroad
Gold Expat
Comprehensive coverage
Our most comprehensive international health insurance for expatriates.
From
146€
- Worldwide coverage
- Maximum membership age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need some advice?
Health insurance for retirees abroad
Where can you retire abroad?
Retiring abroad has become an increasingly popular option for those looking for a better quality of life at a lower cost. Whether it’s the warm climate, relaxed pace, or more affordable healthcare, many retirees are choosing to spend their golden years in sunnier destinations.
Top choices include:
- Asia: Thailand, Vietnam, Bali
- Africa: Morocco, Tunisia, Senegal
- Europe: Portugal, Spain, France, Greece
- The Americas: Florida (USA), Brazil, Mexico
- Oceania: Mauritius, French Polynesia
In many of these places, you can enjoy a comfortable lifestyle on a modest budget, with access to quality healthcare that’s often far more affordable than in countries like the U.S. or Australia. In fact, healthcare costs are one of the key reasons retirees choose to relocate.
Mondassur provides tailored international health insurance for retirees, offering comprehensive coverage for hospital care, medical consultations and medications. With our plans, you can focus on enjoying your retirement abroad without worrying about healthcare costs. Our customer service team is available to assist with any queries, ensuring a smooth and worry-free expatriation.
How are healthcare costs abroad covered?
If you’re thinking about retiring abroad, don’t forget to look into health insurance. Most public healthcare systems like Medicare in the U.S. or the NHS in the U.K. don’t cover you once you’re living overseas full-time. Even private insurance from back home often only covers short trips, usually up to 60 or 90 days. That’s why getting Long Stay Visa International Health Insurance is so crucial for anyone planning to stay abroad long-term. It not only gives you access to good healthcare while you’re abroad, but it’s often required for residency visas too. Costs and coverage can vary depending on where you’re moving, your age, and your medical history, so take the time to find a plan that fits your needs…
Mondassur’s international health insurance for retirees offers peace of mind, so you can fully enjoy your new life abroad. Our plans are tailored to the needs of expat retirees, providing flexible and comprehensive coverage from hospital care to routine checkups and dental treatment wherever you are in the world.
Mondassur also provides responsive, personalized customer service, in your native language. Our advisors are here to support you every step of the way, offering tailored advice to meet the specific needs of expats retirees. By choosing Mondassur, you’re ensuring peace of mind, financial security, and a better quality of life during your retirement abroad. Contact us today to learn more about our international health insurance.
Will the years you worked abroad count towards your retirement pension?
Whether or not the years you spent working abroad count toward your retirement pension depends on your home country — and whether it has signed a pension agreement with the country where you worked.
Many countries, like the U.S., the UK, Canada, and Australia, have international social security or pension agreements in place. These allow you to combine contribution periods across countries when calculating retirement benefits. For example:
- The U.S. has totalization agreements with countries like Canada, the UK, Australia, Germany, South Korea, and Japan.
- The UK has agreements with countries such as the U.S., Canada, New Zealand, Switzerland, and some former Commonwealth nations.
- Canada has similar agreements with over 50 countries, including the U.S., France, Germany, Italy, and Australia.
- Australia also has agreements with more than 30 countries, including the UK, U.S., Canada, and several European nations.
These agreements help avoid double contributions and ensure that your time abroad isn’t “lost” when it comes to claiming your pension.
However, you usually can’t combine work periods from more than two countries unless all of them have agreements with each other — so it’s worth checking the specifics of each agreement.
Always check with your country’s official social security or pension office to understand how your international work experience impacts your retirement plans.
Important note about pension agreements
Keep in mind that you usually can’t combine pension contributions from more than two countries, unless all of them have formal agreements with each other. For example, if you worked in the U.S., Germany, and South Korea, you could only combine the time worked in the U.S. and one of those countries — unless both foreign countries also have agreements with each other and with the U.S.
This is known as the non-aggregation rule — and while it can limit how your international work experience counts toward your pension, there are exceptions. Some agreements are more flexible, so it’s worth checking the exact terms based on your personal work history and the countries involved.
Comprehensive international pension insurance
If you’re looking for more comprehensive international retirement insurance, Mondassur also offers its Gold Start range. This line of products provides up to 300,000 euros of coverage (or 500,000 euros in the United States), with 100% reimbursements for hospitalization, and the possibility to add coverage for routine medical treatment and pre-existing conditions. Perfect for enjoying retirement abroad with complete peace of mind!
By choosing Gold Start expatriate health insurance, you get comprehensive protection, allowing you to enjoy life wherever you choose to retire whether in Europe, Asia, America, or beyond. Medical expenses can quickly add up, but with Mondassur, you can focus on what matters: enjoying your new life and exploring new horizons without the stress of unexpected medical costs.
In addition, Mondassur offers responsive, personalized customer service. Our team is available Monday to Friday, 9am to 6pm, to answer your specific questions and meet your needs. We understand the unique challenges faced by expatriate retirees and are here to offer continuous support and tailored advice.
Don’t wait, secure your future and guarantee a peaceful retirement abroad with Mondassur. Contact us today to find out more about our Gold Start range, and start planning your retirement with peace of mind.
