Can UK retirees get free healthcare abroad?
When we talk to people hoping to retire abroad, some are still under the impression that they cannot afford to due to the cost of private healthcare post-Brexit.
Whilst private healthcare cover is often less expensive in southern European countries than it is in the UK, the fact remains that you might not need to pay for such cover at all.
If you are of UK state pension age – 66 years at the time of writing – then you can apply, free of charge, for an S1 Certificate, which allows those moving to the EU, EEA or Switzerland to access state-provided healthcare on the same basis as a local resident.
The country essentially sends back the bill to the UK government, saving you thousands of pounds (or euros).
What’s more, if you are a married couple and only one of you is of UK state pension age, then the other can receive this benefit too, despite being younger.
What is an S1 Certificate and how does it work?
The S1 certificate (also known as a certificate of entitlement) is available from the NHS Business Services Authority (NHSBSA) free of charge. Apply directly and you won’t need to pay the costs that some third-party companies charge to obtain one.
You will need your National Insurance number and also proof of your UK state pension – with more information needed if you have dependants.
You need to apply before moving out and, as you need to have an address in the country you’re moving to, you can use a temporary address in your application. When you get a permanent address, you’ll need to contact NHSBSA to tell them what it is.
If you need an S1 for your visa application, you can ask NHSBSA to send it to your UK address.
How long does an S1 Certificate take?
You can apply online up to 90 days before your move. If you apply online – and can download the certificate yourself – it is quicker than requesting a copy to be sent by post.
Recipients report waiting between a week and 28 days. It can take longer if you have a younger spouse.
Once you move out, you must register it with the local social security authority in your new country. How long it takes to get your health card depends on the country.
Note that the S1 does not cover private healthcare and, depending on the country where you live, there may be co-payments or contributions payable for certain treatments or appointments, as paid by locals.
It is advisable to start the process in good time so that there is not a gap in your healthcare cover when you arrive.
Planning a move abroad?
From healthcare and visas to property searches and relocation advice, we can help you plan your move overseas with confidence.
🔍 Search for overseas properties
📘 Download our free buying guides
🌍 Find out more about healthcare abroad
