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Retiring overseas? Ageing, stress and how to ensure a healthy life abroad

Whether it’s a planned retirement move to a home in the sun, or a sudden desire to embrace a beloved host country for the long term, many ponder spending their ‘golden years’ living internationally.

Retiring overseas? Ageing, stress and how to ensure a healthy life abroad
Moving abroad to enjoy your golden years can be incredibly fulfilling. Photo: Getty Images

Turning your dream of living overseas into reality can be intensely rewarding. However, it is important to understand the stresses that come with it, how stress exacerbates common health conditions, and how these can be mitigated to ensure a happy, fulfilling life. 

In partnership with Cigna, we discuss the significant factors to consider before making plans to live abroad permanently.

Let’s talk about ageing

As much as we’d like to ignore the fact, as we grow older we are at greater risk of health problems. So it’s worth understanding some common conditions.   

Cardiovascular Disease (CVD) is by far the biggest threat to both men and women as they age. It encompasses a range of common conditions, from strokes and heart attacks to vascular dementia. Taking the United Kingdom as an example, CVD is responsible for 160,000 deaths each year. More pressingly, it is the impact of CVD on survivors that has greater consequences – strokes are one of the leading causes of disability in the UK , with two-thirds of survivors leaving the hospital with some kind of disability.   

Be prepared for the unexpected, get an international health insurance quote

Cancer is another leading threat to both men and women as they age. With the UK again as an example, 147,407 Britons died from cancer in 2020, out of an average of 375,000 new cases each year. One-third of all cancer cases were diagnosed in those over the age of 75. Breast cancer was the most common cancer diagnosed in the UK between 2016 and 2018, followed by prostate, lung and bladder cancers. While the survivability rates for many cancers are rapidly increasing, treatment and surgery does mean loss of mobility and quality of life for many patients. 

Mobility issues are another serious health problem faced by many as they grow older. After the age of 40, the number of people in the UK who require assistance to move freely begins to rise exponentially. Whether caused by the degradation of joints or other, more complicated issues, a loss of mobility can limit how much of the world an individual can engage with. 

While these figures may seem frightening, it’s worth remembering that medical science has led to significant increases in global life expectancy. The chances of surviving a life-threatening illness today are greater than at any point in history. 

What matters, however, is quality of life. We want to enjoy our later years rather than be impaired by illness. Therefore, any factors we can identify to help us avoid developing illnesses are worth paying close attention to.

Recent research shows the surprising role stress plays in the development of age-related diseases. The good news? This is a factor we can largely control. 

Stress and the human body

We’re all familiar with the sensation of being stressed – a rush of adrenalin, a flush of irritability and a pounding head. 

When we’re stressed, the body’s sympathetic nervous system releases adrenaline, as well as hormones such as cortisol, to spur us into a ‘fight or flight’ response, and lead us out of a dangerous situation. While this was a useful tool for our ancient ancestors, in the modern world it can do more harm than good. 

Increasingly, science is uncovering the myriad effects that prolonged stress can have on the human body. We’ve known for a long time that stress can harm the heart and circulatory system – prolonged stress can lead to a more rapid heartbeat and higher blood pressure, doubling the chances of having a heart attack or stroke

Research has also uncovered the role of stress in the development of many kinds of cancer. It indicates that the brain’s release of hormones during periods of prolonged stress can activate cancer cells, leading to rapid tumour growth. 

Stress also impacts the body’s immune system. When a person experiences prolonged stress, hormones again can significantly reduce the number of lymphocytes, a kind of white blood cell, weakening the body’s defences against infection. 

So, for most of us, if we can reduce stress in our daily lives, we can lessen our chances of falling ill. There are a number of techniques, practices and habits that can help reduce the effect of stress. For people living overseas, however, this may be more of a challenge. 

Enjoy the life you’ve planned for yourself abroad and build a policy that meets your specific health needs

Stress and living abroad

The experience of living abroad carries with it its own stressors. 

Chief among these are communication difficulties. A lack of understanding of language and cultural mores can be a constant source of stress for internationals, in particular when it comes to resources that may be needed, such as healthcare.

A lack of access to friendly support networks can also be a major stressor. A significant proportion of expats are individuals, so asking for help or having interactions may be difficult. Making friends can take time, and bring its own anxieties. 

Finally, there may be financial pressures – particularly for retirees, who likely have finite savings. Sudden disruptions to their lifestyle could mean a costly return to their home country, or a reduction in circumstances – in itself a major stressor. 

Stretch yourself: Staying active and connected to others can help vastly reduce stress levels. Photo: Getty Images

The most important consideration for older internationals 

As increasing numbers of people work, live and retire abroad, international health insurers are beginning to understand the role of stress for policyholders – in both recovery and prevention. Most insurers now actively address the stress experienced by internationals abroad through their coverage. 

Chiefly, many providers, such as Cigna Global, offer unlimited phone and online consultations with doctors, with clinical advice and prescriptions in the customer’s language. They also grant access to specialists and choice of hospitals within their network, giving clients peace of mind when it comes to serious illness.

Insurance providers, like Cigna Global, are also developing benefits tailored toward specific conditions, such as cancer. In such cases, in addition to treatment, telephone counselling and other disease-related costs, such as those for a wig, may be included. This provides needed support during a crisis, minimising the damage done by stress and boosting the chances of a full recovery. 

Finally, depending on the level of coverage, some insurers have deployed the use of dedicated services to give their policyholders advice on all areas of life abroad – from rubbish collections to family emergencies. A friendly voice acting as a guide means that many stressors faced by internationals can be minimised, if not eliminated. 

If you are planning to make a permanent move abroad, especially if you’re getting older, it’s important to consider how a potential insurer addresses the challenges of living abroad, and how it actively helps tackle stress. 

It is worth asking exactly what is offered in an international health insurance policy, beyond the coverage it has for illness and accidents. Does it offer consultations with a doctor in your language? What about counselling services? How will the policy offset the stresses of life abroad daily?

Important for retirees to know, if joining Cigna Global before the end of August, the company will upgrade their policy to include the highly-valued Vision and Dental add-on module for one year*, that covers eye tests, eyewear and a wide range of preventative, routine and major dental treatments. 

Enjoying your later years abroad can be a hugely rewarding and fulfilling experience. To make the most of it, make sure you invest in a policy that not only covers you for when you’re ill but also helps you stay fit, healthy and free of stress in the first place. 

Find out how Cigna can ensure you make the most of your life abroad, and request a quote for international health insurance today

*  – The free Vision and Dental policy upgrade is only applicable to new policies sold in August 2022 which will be eligible for 1 year free Vision and Dental cover. Premiums under $2k will not be eligible. Not applicable in conjunction with any other offer or discount.

Sources

Member comments

  1. Can someone explain why on The Local.DE all the stories are about, and from, the UK? Id didn’t sign up for The Local.UK

    The Italian and Spanish The Local are also mostly about Brexit and The UK folks living there and complaining how its not the same.

    Please, just news. Local to the country and focused on the country would be great.

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SPAIN AND THE US

Spain and the US to exchange more language assistants in bilingualism push    

The governments of Spain and the United States have agreed to recruit more English and Spanish-language assistants from each other’s countries as a means of bolstering bilingual education in the two nations.

Spain and the US to exchange more language assistants in bilingualism push    

Spain’s Education Minister Pilar Alegría and US ambassador to Spain Julissa Reynoso met on Wednesday to sign a memorandum of understanding which will reinforce educational cooperation between the two countries. 

The agreement had been previously signed by Miguel Cardona, the United States Secretary of Education, who tweeted: “This week, alongside [Spanish] Ambassador [Santiago] Cabañas, I signed a memorandum supporting the study of Spanish language & culture in the US, and the study of English in Spain”.

It is in fact a renewal of a memorandum between the United States and Spain which has facilitated mobility of both conversation assistants and students between the two countries in recent years.

The aim of this newest memorandum of understanding is to further strengthen student and teacher exchange programmes and promote bilingual and multicultural teaching in both educational systems.

No exact details have yet been given about how many extra language assistants will be given grants to join the programme. 

Several teacher recruitment sources suggest the current number of North American language assistants (including Canadians) heading to Spain every year is between 2,000 and 2,500. 

The Spanish government has stated that in 2023, this figure will be around 4,500, which represents a considerable increase in the number of US and Canadian citizens who can apply through the NALCAP programme, which stands for North American Language and Culture Assistants in Spain. 

According to Spain’s Foreign Ministry, the following requirements must be met by US candidates in order to participate in the programme:

  • Be a U.S. citizen and have a valid passport
  • Have earned a bachelor’s degree or be currently enrolled as a sophomore, junior or a senior in a bachelor’s programme. Applicants may also have an associate degree or be a community college student in their last semester.
  • Have a native-like level of English
  • Be in good physical and mental health
  • Have a clean background check
  • Be aged 18 – 60.
  • Have at least basic knowledge of Spanish (recommended)

NALCAP recipients receive a monthly stipend of €700 to €1,000 as well as Spanish medical insurance.

Application dates for 2023 are usually announced in late November. See more information on the NALPAC programme for US nationals here

According to The Fulbright Program, one of several US cultural exchange programmes that organises the recruitment of US nationals for Spain: “English Teaching Assistants assist teaching staff at the early childhood, elementary, middle school, high school, vocational and/or university level for up to 16 hours per week, with an additional two hours for planning & coordination meetings. Responsibilities include assistant-teaching, in English, subjects such as social studies, science and technology, art, physical education, and English language.”

READ MORE: The pros and cons of being an English language assistant in Spain

There are also currently more than 1,000 Spanish teachers working as visiting teachers in the United States, Spain’s Moncloa government has said, without adding yet how many more will be recruited in 2023.

Additionally, more than 1,000 North American students now take part in the Spanish Language and Culture Groups managed by the Spanish Education Ministry’s Overseas Education Action (or Acción Educativa Exterior, AEE).  

Canadian applicants can find out more about working as language assistants in Spain by visiting the NALCAP Canada website.

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