Best Overseas Healthcare Options

strobot

Recycles dryer sheets
Joined
Aug 13, 2018
Messages
58
Hi all, currently looking for experiences from expats that moved to a country (outside of the US and Canada) with great nationalized healthcare. DW and I currently live in Korea and WE LOVE THE NATIONALIZED healthcare. The doctors are amazing, the medicine you can get for pennies (not joking!), and there are lots of other things we love about it too.

Anybody else have good stories about medical tourism or moving to a country with a great/cheap healthcare system?

Any recommendations for others? :dance:
 
Several years ago my spouse was treated at a Kuala Lumpur hospital. She is a retired nurse.

She was incredibly impressed with the quality of care and it was inexpensive.
 
From what I've read about Korea's national healthcare system, there is a lot to like about it.

In addition to being rated one of the most efficient H.C. systems in the world, it seems that Koreans are overwhelmingly satisfied with their healthcare. Access to healthcare in Korea is rated number 1 in the world by the OECD.

Per capita national health care expenditure (from 2014) is about $2500. Korea's H.C. system also seems to perform well in terms of overall patient outcomes.
 
Sounds like you are asking about two things that deserve distinguishing although they may overlap:

1) Healthcare System...which includes the overall coverage as well as the actual care provided within that system. For a great nationalized system as you mentioned with South Korea this means govt funded and provided to all.

2) Healthcare itself. When you mentioned medical tourism then typically we aren't looking at the system but just the care specifically, and often private not public. (although I've heard stories in Japan and probably Korea too where you might benefit from the public care even as an outsider not technically part of that system)

For #1 I know many who rave about Taiwan. My impression is that it is pretty good, probably not the best, top tier care in the world (let's say, 80th percentile) but it's very well run, very comprehensive, and extremely affordable.

For #2, Thailand and Malaysia are mentioned often. Very affordable care at private hospitals. I have not really had any experience in either place other than going to see the doctor at a clinic in Malaysia which was not the best experience (they did not solve the problem adequately) but it was very cheap and decently comfortable.

The list is obviously much much longer for both, I was just speaking about the places I personally feel confident endorsing.
 
Last edited:
Our experience in obtaining prescription drugs in Brazil, Malaysia, and Portugal.....all considerably less than what we pay in Canada on an item for item basis.

Four years ago my spouse cracked two vertebrae in KL. She was taken to the hospital.

1/2 day hospital stay in emerg
consult
xrays (subsequently given to us)
mri (radiologist brought from home..it was a holiday- 90 minute wait
consult with another specialist
complete written report for our insurance, with cd of mri
7 days worth of pain prescriptions.

we were out after about 4 hours. total cost: $850 CAD.

Three days of poolside R&R at our hotel, then flew on to Gold Coast, OZ to carry on with our travels.

One of our hosts in Thailand (Swiss expat) told us that healthcare is excellent in the large cities. IF, however one is retired in a small center, such as Ko Lanta, it is a very different story if you require immediate or ongoing specialist attention. This was becoming a concern of his.
 
Last edited:
DW & I are perpetual travelers and over the past several years we've had to seek medical/dental care in countries outside the U.S.

Every experience was positive.

Last year while in Italy I had an issue with a dental implant. The care that I received from a dental office in Florence was first rate - and at about half the cost of that in the U.S. The dentist kept his office open past closing on my initial visit and also gave me his mobile number. He contacted me personally to arrange my follow up appointment.

While living in Costa Rica, we sought dental, vision and routine medical care. Every experience a positive one. We can say the same for Mexico.

Granted, in all of these cases none of our medical/dental issues ever rose beyond what would be considered routine, however, access was better than what we've experienced in the U.S. and quality of care was at least equal and quite often better. The cost of care was always less. In some cases, much, much less.
 
Just wanted to point out that none of the responses here, good as they are, address the OP's actual question about great NATIONALIZED health care systems.

Having lived as an expat in Mexico for 5 years myself as well as having traveled extensively in Europe and Asia I, too, can offer plenty of positive stories about paying pennies on the dollar vs. U.S. costs for excellent routine and even minor emergency care, with far easier access and much greater personal care and timeliness than I've ever experienced in the U.S.

But - using Mexico as the example since I know it so well - their national health care system is broken (as has been revealed for all to see during the pandemic) and while gringo visitors and residents marvel at paying $20 to see an English-speaking doctor locals struggle to come up with the 40 pesos ($2) to visit the doc at the local pharmacia. In order to really thrive long-term down there you need to have the money to self-insure and/or a clear plan to return to the U.S. once you reach Medicare age - and you need to speak fluent Spanish (which automatically rules out 95% + of expats).

Many countries in Europe (e.g. France, Italy, Spain) have excellent national health care systems but enrolling in them - as well as getting a long-term residency visa - is neither uncomplicated nor inexpensive.

At the end of the day, there are quite a number of countries where many ER's could afford to self-insure and/or buy catastrophic health insurance that covers care in their low-cost country of residence but finding a place that has an excellent national health care system that's also going to offer coverage to an older expat who hasn't been paying into said system during their entire working life is understandably difficult.
 
Just wanted to point out that none of the responses here, good as they are, address the OP's actual question about great NATIONALIZED health care systems.

Here is the OP's actual question:

"Anybody else have good stories about medical tourism or moving to a country with a great/cheap healthcare system?"
 
First sentence from OP:

“Hi all, currently looking for experiences from expats that moved to a country (outside of the US and Canada) with great nationalized healthcare.”

So it’s all good stuff but it’s the dearth of comments regarding nationalized health care I was addressing.
 
First sentence from OP:

“Hi all, currently looking for experiences from expats that moved to a country (outside of the US and Canada) with great nationalized healthcare.”

So it’s all good stuff but it’s the dearth of comments regarding nationalized health care I was addressing.

You missed my post, although yes that's the only one so far. :greetings10:
 
DW & I are perpetual travelers and over the past several years we've had to seek medical/dental care in countries outside the U.S.

Every experience was positive.

Granted, in all of these cases none of our medical/dental issues ever rose beyond what would be considered routine, however, access was better than what we've experienced in the U.S. and quality of care was at least equal and quite often better. The cost of care was always less. In some cases, much, much less.

Hey candrew! Based on your experiences if you were to rank in your own opinion, how would you do so? Maybe a list by cost (cheapest to most expensive) and then a list by quality (worst to best). I hate reading the boiler-plate articles out there that "compile statistics" - I'd rather hear from real people. Thanks!
 
But - using Mexico as the example since I know it so well - their national health care system is broken (as has been revealed for all to see during the pandemic).

a place that has an excellent national health care system that's also going to offer coverage to an older expat who hasn't been paying into said system during their entire working life is understandably difficult.

Hey kevink! Yes, very much great information on Mexico. And yes, I'm interested to see what others have to say about getting healthcare as an expat along with some place to retire. I've seen articles about Portugal, Panama, maybe Ecuador?? And a few others where it seems possible to "retire" and also benefit from the nationalized healthcare system.
 
For #1 I know many who rave about Taiwan. My impression is that it is pretty good, probably not the best, top tier care in the world (let's say, 80th percentile) but it's very well run, very comprehensive, and extremely affordable.

PM, what were your experiences in Taiwan? Extensive/routine medical stuff? Is it possible to become a citizen long-term and use their medical benefits?

Thanks!
 
Many countries in Europe (e.g. France, Italy, Spain) have excellent national health care systems but enrolling in them - as well as getting a long-term residency visa - is neither uncomplicated nor inexpensive.

At the end of the day, there are quite a number of countries where many ER's could afford to self-insure and/or buy catastrophic health insurance that covers care in their low-cost country of residence but finding a place that has an excellent national health care system that's also going to offer coverage to an older expat who hasn't been paying into said system during their entire working life is understandably difficult.


Since I'm familiar with the French healthcare system, universal health coverage is offered to any legal resident provided that they have a stable residence (>3 months) in the country. Retirement visas are available, though I'm not sure what the requirements are.

Our health system is a public/private hybrid system. It very much works like Medicare in the US, except that there is no age restriction. Like for Medicare, a private supplemental insurance is highly recommended as our national insurance scheme does not always cover 100% of costs. Cost at point of service is very low, but the system is financed through taxation (via an inescapable flat tax on all income). Taking taxation into account, I believe that a well-off retiree on Medicare in the US would come out ahead financially.
 
The OP seems to divide the world into nationalized and "other". In practice, there is a whole continuum.

In France there are public and private hospitals, but they all issue bills (although generally the patient never sees them -- they go directly to the statei insurer, possibly with a small top-up from private cover for things like a better room); almost all doctors, pharmacies, and laboratories are private businesses, but 98% of their patients have health cards that pay between 70 and 90% of the cost up-front, and you have a co-pay that is mostly covered by top-up insurance, usually from your employer.

In Spain there is more state provision, so with standard national coverage (which almost everyone with a job has, via mandatory deductions) you will most often be seeing a medical professional who gets a state salary even in an outpatient context. But there is also a thriving private sector that is less well-connected with the state system than in France.

In the UK, an arms-length government department runs most of the hospitals and pays most of the doctors. As a resident, you never see a medical bill, apart from dental and pharmacy co-pays (for which people don't typically have insurance). There is also private sector provision, typically for elective procedures, mostly paid for with private insurance that is offered as a perk for middle-to-senior jobs. This is not especially expensive, because the private hospitals know that if you need something major (heart surgery or cancer treatment), you will be falling back on the state system.

Switzerland is quite close to the US: Almost everything is private and insurance-based. The key difference is that the government guarantees that you can get insurance. It's a bit like Obamacare without the complications.

And etc etc for most other countries in Europe, certainly in the old "Western" Europe, where many systems were put in place as part of post-WW2 social settlements.
 
Last edited:
Hey candrew! Based on your experiences if you were to rank in your own opinion, how would you do so? Maybe a list by cost (cheapest to most expensive) and then a list by quality (worst to best). I hate reading the boiler-plate articles out there that "compile statistics" - I'd rather hear from real people. Thanks!

I wouldn't attempt to rank them as our healthcare experiences while abroad, as indicated in my post, have been infrequent and entirely routine. Both of us (knocking on wood right now) are healthy individuals without underlying, chronic health conditions.

Regardless, when we've spoken with expats who live full-time in the various countries where we've spent time, a range of opinions about a nation's healthcare system will be found in terms of quality. Cost-wise, especially for U.S. expats, has been always less.
 
During our lives we have been part and actually experienced for extended periods of time ourselves (Not based on what others say), the Canadian, UK and USA health systems.

No issues with any of them from a care perspective. But the stress caused by the US system is definitely the worst. NOT the Care Received, just the cost and financial uncertainty whether it will even be the same service or cost from year to year.

OK while one is working, at least it was for us, but all holds are off when one is not, early retired (Voluntarily or otherwise), or one has a handicapped child, parent or any family member with a costly condition. Potential Bankruptcy worries people, how to pay next years insurance bill, this is what I mean by stress.

So universal healthcare, with the option to purchase additional services wins every time.
 
Having spent years working in US Health Insurance and now living in Europe I can say that there are pros and cons. Malta where I live now has good nationalized healthcare but you need to be part of the social security system in Europe to get the free healthcare. This requires that you be working or have worked for enough years to get a national pension. The rest of us buy private insurance. Prices are much less than the US but you are getting commodity level care. Hospitals will treat you by the book which most of the time is all you need. But don't expect the hospital to be trying experimental treatments or thinking outside the box. Stuff like gene therapy or prescribing off label don't happen much. Also a lot of vaccines such as the Shringrix shingles vaccine is simply not available anywhere in Europe. The US buys the whole global supply and we travel back to the USA to get those. Even though Shringrix is owned by UK based GSK, they sell the whole lot to the US to make more money.

We will see this with the upcoming Covid 19 Vaccine. The US will not think twice about paying a few thousand dollars for a vaccine. Europe simply wont pay this. The whole global supply of Remdesivir which is the only approved drug for Covid has had the entire global supply bought up by the US. I would expect the Covid vaccine to be available in the US years and years before it is available in Europe. I expect to be travelling back to the US to get my shots. Even if the vaccine is produced abroad, many countries would rather sell it to the US and use the money to build another hospital than use such a valuable drug on their own people.
 
The OP seems to divide the world into nationalized and "other". In practice, there is a whole continuum.

In France there are public and private hospitals, but they all issue bills (although generally the patient never sees them -- they go directly to the statei insurer, possibly with a small top-up from private cover for things like a better room); almost all doctors, pharmacies, and laboratories are private businesses, but 98% of their patients have health cards that pay between 70 and 90% of the cost up-front, and you have a co-pay that is mostly covered by top-up insurance, usually from your employer.

In Spain there is more state provision, so with standard national coverage (which almost everyone with a job has, via mandatory deductions) you will most often be seeing a medical professional who gets a state salary even in an outpatient context. But there is also a thriving private sector that is less well-connected with the state system than in France.

In the UK, an arms-length government department runs most of the hospitals and pays most of the doctors. As a resident, you never see a medical bill, apart from dental and pharmacy co-pays (for which people don't typically have insurance). There is also private sector provision, typically for elective procedures, mostly paid for with private insurance that is offered as a perk for middle-to-senior jobs. This is not especially expensive, because the private hospitals know that if you need something major (heart surgery or cancer treatment), you will be falling back on the state system.

Switzerland is quite close to the US: Almost everything is private and insurance-based. The key difference is that the government guarantees that you can get insurance. It's a bit like Obamacare without the complications.

And etc etc for most other countries in Europe, certainly in the old "Western" Europe, where many systems were put in place as part of post-WW2 social settlements.

Thanks Nick,
So you've used the healthcare in all those countries you mention? And if so, what was your preference of them. Great pro/con list. We will be moving to Germany (or close nearby) in a few years so interest in these European countries as well.
 
Last edited:
Having spent years working in US Health Insurance and now living in Europe I can say that there are pros and cons. Malta where I live now has good nationalized healthcare but you need to be part of the social security system in Europe to get the free healthcare.

I thought that any Maltese Citizen, even if they have not lived in Europe or Malta are eligible once they return to Malta and establish residency, which they are entitled to do any time.

I am a Maltese Citizen by my Parental history, but have never lived in Malta or paid into a European HC system, other than the UK in my youth. I have no proof of that though.
 
Having spent years working in US Health Insurance and now living in Europe I can say that there are pros and cons. Malta where I live now has good nationalized healthcare but you need to be part of the social security system in Europe to get the free healthcare. This requires that you be working or have worked for enough years to get a national pension. The rest of us buy private insurance.
Thanks Puravida! I always see Malta on the lists of easiest places for retirees to get visas and stay longterm, but didn't know this about the healthcare. Super useful information!
 
Also is there anybody living in Panama as a retiree that can speak to the healthcare system there? I guess I should have offered the same for Korea if anybody has questions.
 
Thanks Nick,
So you've used the healthcare in all those countries you mention? And if so, what was your preference of them. Great pro/con list. We will be moving to Germany (or close nearby) in a few years so interest in these European countries as well.

I haven't lived in Switzerland, but my son has (he lives on the French/Swiss border).

Most of my experience has been with the French system, which is excellent, apart from perhaps a little lack of empathy among certain practitioners (but that's probably true of any medical system).

We only just moved to Spain, and we are fully private here (our local clinic has mostly German doctors), so I have no idea what the state system is like, but it is highly rated, especially the public hospitals. A downside is that doctors prescribe antibiotics like candy, and in fact some pharmacies will sell them without a prescription (handy on a Saturday afternoon if you have a toothache, I guess).

I don't have enough experience of the others to give an opinion, although my one recent experience with the UK system (when I went to the ER with stroke symptoms on New Year's Day) confirmed the impression that I have from the media, namely well-meaning people doing amazing things with far too few resources.

Germany seems to have punched above its weight on COVID-19, but I don't really know how its system works.

In any case, I wouldn't use relative ratings of a country's health system as a deciding factor in where to live in Europe. You will mostly be fine anywhere.

(My mother -- in the UK -- needed a hip replacement and paid to go privately in order to save a few months on the waiting list; she was a retired MD and did a lot of research to find "the best surgeon". He botched it, and she had pain for the rest of her life. She regretted not going to the local hospital and getting the vanilla service there. So much comes down to individuals.)
 
Last edited:
It may be different for Maltese citizens but for EU citizens, you need to be part of the social security system to get free healthcare. That means paying a payroll tax. If you are retired you must carry private insurance as a condition of residency. There is an exception for UK citizens who receive free healthcare in Malta regardless of whether they ever lived in the UK or not. At any rate many Maltese still carry private insurance since like much of Europe there are private and public hospitals and you need insurance to be able to go to the private ones.
 
PM, what were your experiences in Taiwan? Extensive/routine medical stuff? Is it possible to become a citizen long-term and use their medical benefits?

Thanks!

I have no personal experience with it really. I just hear very positive reviews from my friends and family who are residents there. Last year my wife took our son to the doctor in Taipei. She said it was about 10 USD and he got antibiotics with it.

It is possible to get both residency and citizenship to enroll in national healthcare. But citizenship is rarely appealling because it almost always requires renunciation of your other citizenship (they have made exceptions thus far for about 100 special applicants)

With residency (I'm pretty sure of any type), you and your dependents are eligible to enroll immediately if you have a Taiwanese employer. If you do not, you must be in Taiwan for 6 months before you can enroll. You can apply for permanent residency after five years of residence. There are many avenues to apply for residency so it is quite feasible for most people who have decent means/resources, however there is no retirement visa so you can't exactly simply rely on having a good pension or a sizable nest egg to get residency.
 
Back
Top Bottom