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You are here: Home Finance & Business Pensions & Insurance Editor's Guide: Pensions & Insurance in Spain

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27/03/2012Editor's Guide: Pensions & Insurance in Spain

Editor's Guide: Pensions & Insurance in Spain Here's a guide to our Pensions & Insurance section for Spain, from planning your retirement abroad to protecting your family and how to stop worrying over pension benefits.

A 2010 Expatica survey article showed only 15 percent of expats in Europe are satisfied with their pension benefits. Expatica's Pensions & Insurance channel aims to ease the nerves. Whether you're an American planning for retirement or a UK expat curious about bringing pension rights along, were here to help you piece together the expat pension puzzle.

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 & Insurance channel provides an overview of insurance in Spain. 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, or you might find yourself out of pocket in the event of a crisis. Read more about which private insurance policies are best for you, and see what our experts say about ideas for financial planning.

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 recent legislation that allows those with UK-based pensions to move their benefits overseas into a Qualified Recognised Overseas Pension Scheme (QROPS).

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
Although the Pan-European Pension, or the IORP Directive, was signed in 2003, many companies are still not using a pan-European scheme. Expatica provides a review of the challenges of portable pension planning as well as a potential solution.

Ask the expert
Expatica offers expert advice in articles like 'Expert tips: How to plan your retirement' and 'How to protect your family against unforseen events'. 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.


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