Retirement & Benefits Guide · EgyptRetirement & Benefits Guide in Egypt
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Egypt does not offer a dedicated retirement or passive income visa program. However, Egypt operates a voluntary pension program called 'Tomorrow's Pension' for Egyptian expatriates aged 18-59, requiring minimum $500 initial contribution and 5-year enrollment.
Pension System
Egypt operates a mandatory defined-benefit social insurance system with unified pension calculation. Replacement rate is 2.2% per contribution year (2.5-2.8% for hazardous work), with minimum 65% and maximum 80% of reference earnings after 15 years of contributions.
Pension Adequacy
Pension adequacy varies based on contribution history and earnings. Basic pension guarantees 65-80% of reference earnings; approximately 44% of employers supplement with private pension schemes. Annual adjustments up to 15% of inflation support purchasing power.
Healthcare Access
Egypt provides mandatory medical coverage through the national social insurance system covering all enrolled employees. Public healthcare exists but quality varies; private medical insurance is commonly offered as supplementary benefit by employers.
Cost of Living
Retiree Community
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income. Contributions to pension funds are exempted from taxes, but no special retirement tax programs or pension tax exemptions exist for retirees or expatriates.
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