Editorial standards

Last updated: October 29, 2026

Our guides help people who move or retire abroad decide how to cover their health, visa and living costs. These are the rules every page follows.

Sources

• Official sources first: laws, government and immigration portals, consulates, national statistics offices, public health insurers and international bodies such as the World Bank, WHO and Eurostat.
• Insurance facts only from the insurer's own documents: policy terms, benefit tables and published premium tables, with the document name and edition date. Where the binding terms and a brochure disagree, we follow the binding terms and say so.
• Secondary sources are labelled: crowd-sourced prices (for example Numbeo) and press reports appear only with their name and retrieval date, never as official figures.
• No guesses: if we cannot find a rule in a reliable source, the page says it was not found and tells you whom to ask.

Facts files and dates

Every page has a facts file in which each number and rule is recorded with its source, the exact wording where it matters, and the date we read it. Each page shows when its facts were last checked. Prices come from one central price registry built from the insurer's premium table, so the same price is never shown in two different ways.

Checks before a page goes live

• Automatic checks on every build: internal links, price amounts against the registry, one main heading, canonical address, structured data, and no links to other websites except the insurer's application form.
• A claims check that blocks wording we do not allow: unsourced generalisations, "best plan for you" advice, claims that a plan is accepted for a visa, and promises about cover the terms do not make.
• Every new page is checked a second time against its facts file before publication, in addition to the automatic checks on every build.

What we do not do

• We do not give personal insurance, legal or tax advice, and we do not recommend a plan for your situation.
• We do not publish star ratings, scores, testimonials or invented customer stories. Worked examples use fictional people and say so.
• We do not claim that any insurance policy is accepted for a particular visa unless the authority's own wording confirms it.

How we are paid

Some links lead to an insurance application, and we may earn a commission if you take out a policy, at no extra cost to you. Payment never changes the facts we publish. Details: how we are paid and how we review insurers.

Updates and corrections

We re-check fees, thresholds and exchange rates regularly and whenever a law or premium table changes. If you find an error, write to [email protected]; we correct confirmed errors and note the change on the page.