Retirement & Benefits Guide · MaldivesRetirement & Benefits Guide in Maldives
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
No dedicated retirement visa program exists for the Maldives. Expats can apply for long-term residence via work, business, or property investment (min MVR 5M in Male'), but no passive income retiree visa available.
Pension System
Multi-pillar system with universal Old Age Basic Pension (MVR 2300/month at 65) and mandatory funded DC MRPS (14% contributions shared equally). Sustainable but replacement rates depend on contributions and investment returns.
Pension Adequacy
DC payouts vary by savings (e.g., MVR 5000+ min monthly over 14 years at 65); basic pension prevents extreme poverty but inadequate alone for comfortable retirement. Supplementary voluntary savings needed.
Healthcare Access
Universal health insurance (Aasandha) covers citizens/residents with free essential care; quality varies by island with good facilities in Male' but limited on atolls. Expats need private insurance; costs moderate.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income. No special retiree tax exemptions or territorial taxation for expats; personal income tax up to 15% on worldwide income for residents.
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