Health and taxation, the grey areas of retirees
French retirees who move abroad represent almost 10% of the total retirees. Most of them do not do so for tax reasons. On the other hand, many retirees who worked in France return to their home country. A grey area remains on the amount of these retirement benefits, which "lack reliability" according to the Cour des Comptes,. all the more vast as these expenses have increased by 1.7 billion euros, an increase of 35%, between 2006 and 2015.
Without private insurance or mutual insurance in France, you will lose your rights and if you come back only for care in France and you plan to leave, the health insurance will deny you the rights to Social Security. You must be aware that just because you are a French expatriate does not mean that you will be covered, even for serious health problems. Some expatriates try to get around the legislation because they cannot afford it but leave their bills to the community... This is totally illegal.Overall, it is imperative that retirees weigh the costs and benefits of their expatriate situation.
Health on the one hand, tax plans on the other, less taxes and an income almost exempt from the fruits of their investments.
Health and access to health care is a priority issue for French retirees. What are the elements to take into account?
The financial aspect is a major issue. On the one hand, you have to be aware of the cost, which will necessarily be higher no matter which option you choose. Keeping a mutual insurance company in France, joining the "Caisse des Français de l'Etranger" or taking out private insurance will cost you more, even in a European country that has a social security transfer agreement, such as Portugal. Public medicine The health care system is not as efficient as in France, the delays are longer, etc. As for countries like Thailand (2nd destination for French retirees) and Morocco (3rd destination for French retirees), you are subject to expensive mutual insurance plans and very expensive care because it is performed in private clinics.
