Retirement & Benefits Guide · Bosnia And HerzegovinaRetirement & Benefits Guide in Bosnia And Herzegovina
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
No dedicated retirement or passive income visa exists in Bosnia and Herzegovina. Expats can apply for temporary residence permits based on sufficient funds, family reunification, or employment, renewable annually with path to permanent residency after 5 years.
Pension System
Pay-as-you-go (PAYG) system mandatory for employees, split between Federation of BiH and Republika Srpska funds. Retirement age 65 with 15-20 years service; replacement rates up to 75% max (45% for first 20 years +1.75% per additional year), but faces sustainability issues.
Pension Adequacy
Replacement rates 45-75% based on contribution years, varying by earnings; low average pensions contribute to retiree poverty. No widespread supplementary private pensions.
Healthcare Access
Public healthcare system available to residents via mandatory contributions (12.5% employee, 2% employer in FBiH), but quality insufficient leading to preference for private options. Expats need residence and contributions for full access.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income; no special retiree tax programs or exemptions like NHR. Pensions taxed as regular income.
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