SHARE
COPY LINK
PRESENTED BY CIGNA GLOBAL

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.

Log in here to leave a comment.
Become a Member to leave a comment.
For members

HEALTH

PFAS pollution: What do people living in Denmark need to know?

The issue of pollution with chemicals known as PFAS has returned to the fore in Denmark after an expert said they did not agree with parts of government advice. What should people living across the country know about the problem?

PFAS pollution: What do people living in Denmark need to know?

What are PFAS? 

PFAS (per- and polyfluoroalkyl substances) are a large group of synthetic chemicals used in various products since the early 1950s. Their past uses include foam in fire extinguishers, food packaging and in textiles, carpets and paints. Also known as ‘forever chemicals’, they persist in water and soil and can cause harm to human health. 

Due to their chemical properties, they take a long time to break down and can be found in very low concentrations in blood samples from populations all over the world.

They are, however, unwanted in the environment because they have been found to have concerning links to health complications. Their use in materials which come into contact with foods, like paper and card, has been banned in Denmark since 2020.

PFAS have been linked to a series of health complications and, if ingested in high enough amounts, are suspected of causing liver damage, kidney damage, elevated cholesterol levels, reduced fertility, hormonal disturbances, weaker immune systems, negatively affecting foetal development and being carcinogenic.

Last year, high concentrations of PFOS, a subgroup of PFAS, were detected in waste water from a treatment plant at Korsør on Zealand, and later at a field where cattle had grazed.

That led to high levels of the substance being detected in 118 people who lived in the area.

The issue led to several locations across Denmark, mostly in the vicinity of fire service training locations, undergoing investigations for presence of the chemical.

In May, a report by the Danish Regions, the country’s regional health authorities, found that up to 14,607 places in Denmark are suspected of being contaminated by PFAS.

Who is dealing with the problem? 

On its website, the Danish Health Authority states that the responsibility for managing PFAS pollution is shared between several authorities including Regions, Municipalities, the Environmental Agency, the Veterinary and Food Administration, the Patient Safety Authority and the Danish Health Authority.

The tasks of these authorities include localising places with suspected PFAS pollution, finding the source of the contamination and bringing in relevant advice from other authorities; monitoring the levels of PFAS in water and food; giving appropriate health advice to local governments in areas where PFAS is found in local environments; and investigating possible health effects of PFAS exposure and offering the appropriate advice, investigations and treatment to members of the public.

You say there’s suspected PFAS pollution at 14,607 locations. What does this mean?

The Danish Regions in May said they had identified almost 15,000 locations across Denmark where there “could be” PFAS pollution.

The figure comes from “localities in the regions’ databases which have had an activity which can result in pollution with PFAS”. These include fire service exercises and locations used by industries such as waste disposal, iron and metal or wood and furniture.

The localities are “in an area where it can affect housing or important groundwater” the Regions said in a statement published on their website.

Each of the locations would have to be analysed and potentially cleansed, should PFAS contamination be confirmed, the Regions said, calling for a 100 million kroner state investment to pay for this.

Around 8 percent of the 15,000 locations had already been analysed as of May, with PFAS confirmed at around 900 places.

How does this affect drinking water?

“All waterworks in Denmark must be tested for PFAS, both in boreholes and in in the water that is sent out to people’s taps – this has been the case since 2015,” Susan Münster, director of Danske Vandværker, the industry organisation for Denmark’s water suppliers, told The Local in a written comment.

“From January 2022, the threshold values for four PFAS substances were changed [reduced, ed.] to two nanograms per litre,” she said.

Testing programmes are set out by local municipalities in accordance with national directives, and independent analysis companies carry out the tests, she explained.

“Both the water supplier and the municipality will be informed if thresholds are exceeded in connection with the testing,” Münster said.

The Environmental Agency stated in a September 2021 memorandum that municipal authorities, along with the Danish Patient Safety Authority, should assess potential health risks in water, if contamination is suspected. The safety authority should then advise municipalities, who should then inform residents of the situation and what actions they should take.

In other words, if your tap water is considered to be contaminated following testing, your local municipality is required to inform you.

Do I need to do anything? Should I stop drinking my tap water?

“Unless you specifically receive information from either the water supplier or the municipality telling you not to drink the local water, you can comfortably continue to drink water from the tap in Denmark,” Münster told The Local.

“But if you are pregnant or breastfeeding and, for example, live on an island, it may be a good idea to follow the advice of Professor Phillippe Grandjean,” she added, referring to senior researcher and professor of environmental medicine at the University of Southern Denmark, Philippe Grandjean.

Earlier this week, the Danish Health Authority said it had recalled an expert advice group for further consultation, following criticism of guidelines issued for pregnancy and breastfeeding following exposure to PFAS.

The guidelines are part of a broader set of advisories on PFAS exposure issued by the Danish Health Authority earlier this year.

The Health Authority faced criticism from experts for failing to go far enough with existing recommendations, which state there is not considered to be any cause to delay pregnancy or breastfeeding following exposure to PFAS.

That recommendation is incorrect, according to 14 experts which formed part of the group that advised the Health Authority on its recommendations.

“It seems completely wrong when our conclusion states that women exposed to PFAS can safely get pregnant and breastfeed. Because it’s not our view that there is scientific documentation for this,” Grandjean told TV2.

A number of political parties have called for blood tests to be offered to women considering pregnancy and breastfeeding if they live in areas where PFAS is detected above threshold levels.

SHOW COMMENTS