Retirees Face Healthcare Hurdles During Extended Foreign Stays
Berlin – German retirees planning long-term stays or relocation abroad must navigate a complex healthcare landscape to avoid losing coverage or facing ample out-of-pocket expenses. New research reveals potential pitfalls for those seeking healthcare access while living outside of Germany, notably concerning extended stays within and beyond the European Union.
While German statutory health insurance generally covers medical treatment during temporary stays in EU countries, Iceland, Norway, and Switzerland, a simple registration with the local Europäisches Verbraucherzentrum (European Consumer Center) and presentation of proof from thier german health insurer unlocks access to the same services as local residents, with costs settled directly between insurers. Though, a permanent move to countries outside this network triggers a loss of entitlement to German statutory health insurance benefits, necessitating option arrangements.
Pensioners considering a permanent relocation to nations beyond the EU,Iceland,Norway,and switzerland typically require a private health insurance policy abroad. Experts advise ensuring such policies comprehensively cover treatment costs in the new country of residence and include vital services like medical repatriation to Germany.(Sources: German pension insurance, united income tax aid, Federal Ministry of Finance, European Consumer Center).
