Retirement & Benefits Guide · PakistanRetirement & Benefits Guide in Pakistan
Retirement visas, pensions, and healthcare for retirees
Retirement Visa Program
Pakistan has no dedicated retirement or passive income visa for foreign retirees. Expats can use tourist visas (up to 3 months), business visas, or family visit visas; long-term stay requires investment, work, or marriage-based residency.
Pension System
Primarily contributory PAYG system via EOBI for formal sector workers (normal age 60 men/55 women), with low coverage as informal sector dominates. Average replacement rate around 25-50% based on formula (avg wages x years/50); minimum PKR 10,000/month.
Pension Adequacy
Low replacement rates (25-50%) fail to meet retiree needs for most; informal workers lack coverage, leading to high elderly poverty. Supplementary private pensions and voluntary schemes exist but uptake is limited.
Healthcare Access
Limited public healthcare with quality varying by region; private hospitals offer better care but at high out-of-pocket costs. Expats rely on private insurance as no universal coverage for non-residents.
Cost of Living
Retiree Community
Senior Benefits
Tax Benefits for Retirees
Standard tax rates apply to foreign pensions and income; EOBI benefits are tax-exempt for locals but no special exemptions or reduced rates for expat retirees.
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