Seniors and retirees abroad

Of the nearly two million French people officially living abroad, a third are senior citizens who choose to move abroad on retirement. If you’re retired and dreaming of changing your life, why not take the plunge?


Sunny destinations in vogue

If the countries of residence of these expatriates are anything to go by, the sun attracts a good number of retirees. Spain, Morocco and Portugal top the list of favorite countries for expatriate retirees, closely followed by the United States (especially Florida, where many retirees settle), Tunisia and Senegal. It’s true that the sun doesn’t come out every day in France! Expatriation to countries such as Mauritius and Brazil is less talked about, but is also on the increase.

Comment les frais de santé à l’étranger sont-ils pris en charge ?

There’s no simple answer here, and it depends on your country of origin and your country of destination. If you are a European Union national retiring to another EU country, you can easily get your healthcare costs covered. This is one of the conditions for the free movement of people within the Union. If you’re retiring outside the European Union, you’ll either need to stay abroad for less than 90 days to maintain your home country’s health cover, or take out international health insurance. Coverage and rates vary according to the type of insurance you choose, your age and your destination.

Dans quels cas, pourrez-vous voir vos années travaillées à l’étranger prises en compte dans le calcul de votre retraite ?

If your home country has signed a bilateral pension agreement with the country in which you worked, you can have the periods you worked included in your pension calculation.

For France, here are the countries that have signed an agreement allowing you to benefit from quarters worked abroad: Algeria, Andorra, Argentina, Benin, Bosnia-Herzegovina, Brazil, Cameroon, Canada, Cape Verde, Chile, Congo, Côte d’Ivoire, Gabon, Guernsey, Isle of Man, India, Israel, Japan, Jersey, Kosovo, Macedonia, Mali, Mauritania, Monaco, Montenegro, Morocco, Niger, New Caledonia, Philippines, French Polynesia, Quebec, Saint-Martin, Saint Pierre et Miquelon, Senegal, Serbia, South Korea, Togo, Tunisia, Turkey, United States, Uruguay.

Please note, however, that there is a rule of non-cumulation of agreements, which means that the calculation of quarters will only include quarters completed in one country in addition to your country of origin… This rule can be relaxed when this country has also signed an agreement with your country of origin and the country where you spent another part of your career…

Mondassur can help you make the move to your new country.

As a senior citizen, one of the major concerns of your expatriation will be the coverage of your medical care. Mondassur offers you a wide choice of insurance policies with specific expatriation cover, for a worry-free expatriation. If you would like to find out more about our expatriate insurance products, consult our expatriate insurance comparison, request a quote or contact us.

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