Fri, 10 February 2012
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Finance & Business
Pensions & Insurance
Editor's Guide: Pensions & Insurance in the UK
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Here's a short introduction to our Pensions & Insurance section for the UK.Overseas insurance
Understanding overseas insurance is essential for expats, whether it be medical, work-related, life insurance, insuring your house or car or taking out special insurance relevant to your lifestyle. Some countries require self-employed expats to insure themselves. Expatica’s Pensions and Insurance channel provides overviews of insurance for foreigners. The bottom line is: insure yourself, your home, car and any other valuable property. Make sure you understand the intricacies of the local insurance system, as well as Britain's National Insurance, or you might find yourself out of pocket in the event of a crisis.
More guidance can be found in "Expert tips: How to protect your family against unforeseen events" and "Private health insurance - which policy?"
Pension transfer
If you are a country-hopper, make sure you are aware of your pension rights as an expat, if you are eligible for pension transfer, if your company has a pension plan or if you need to take out a private plan. One Expatica article, ‘How changes to UK pension law can benefit expats’, looks at legislation that allows those with UK-based pensions to move their benefits overseas into a Qualified Recognised Overseas Pension Scheme (QROPS) while 'Retirement planning for American expats' (parts I and II) looks at the proper use of retirement accounts for Americans living abroad.
Pensions across borders
The EU is currently working to ensure that supplementary pension entitlements are not lost when people move within and across borders. Check out our HR channel for up-to-date information on this topic.
Pan-European company pensions
The EU is working to ensure that supplementary pension entitlements are not lost when people move within and across borders. Although the Pan-European Pension, or the IORP Directive, was signed in 2003, many companies are still not using a pan-European scheme. Expatica’s article ‘European portable pensions plans’ looks at how the EU is trying to facilitate pension transfers.
Ask the expert
Expatica offers expert advice in articles like 'Expert tips: How to plan your retirement' and "Expert tax tips for UK expats" and "Expat guide to offshore investment". If you have further questions on overseas insurance or pension transfers, visit our Ask the Expert section and get your answer from someone in the know.
Visa paperwork Whether you're relocating to the UK or just visiting, it's important that you find out in advance whether you need a visa.
Expat mortgages and everything to do with buying a UK property might sound complicated, but there’s plenty of help out there for you.
You can access the UK's National Health Service (NHS) in a range of ways. Here is an overview of the main services available to help you get the treatment you need.
Just moved to the UK? You'll need a bank account to effectively manage your money while you're here. Cliff Govender explains the UK banking system, including facilities that may come in handy down the line.
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