Retiring from Germany
Retiring in the Philippines from Germany
Many German retirees live in the Philippines. This guide explains what happens to your pension and your health and long-term care insurance when you live here, and what care at Bambu Harmony Living in Tanauan City, Batangas costs in euros.
Your German pension in the Philippines
The Deutsche Rentenversicherung pays pensions abroad, including to the Philippines; in some cases payment can be limited. Germany and the Philippines have a social security agreement: periods in both countries are added together, and each country pays its own part. Tell the Deutsche Rentenversicherung before you move.
Health and long-term care insurance stop
If you live in the Philippines, German statutory health and long-term care insurance (Kranken- und Pflegeversicherung) do not cover you, even if your only pension is German. Ask your Krankenkasse before you move, and plan for health insurance that covers you in the Philippines.
Getting here from Germany
Flights from Frankfurt or Munich to Manila connect once, through the Middle East or an Asian hub, and take about 15 to 17 hours in total. Bambu Harmony Living is about 1.5 to 2 hours by car from Manila’s NAIA airport.
You can read more about the drive from the airport and the hospitals near us.
What care at Bambu Harmony Living costs
We offer Independent Living, Assisted Living and Specialized Memory Care, with 24/7 resident support. Monthly rates start at:
- Independent Living: ₱95,000 (about €1,350)
- Assisted Living: ₱110,000 (about €1,550)
Converted at the exchange rate of 16 October 2026. Your final rate depends on your care level.
For your estimated care level, start with the free care assessment on the contact page. See also how our costs compare and our guide to the SRRV retirement visa.
Questions
Questions from Germany
- Can I receive my German pension in the Philippines?
- Yes. The Deutsche Rentenversicherung pays pensions abroad, including to the Philippines, though payment can be limited in some cases. Under the German–Philippine social security agreement, periods in both countries are added together.
- Does my Krankenkasse or Pflegeversicherung cover me in the Philippines?
- No. If you live in the Philippines, German statutory health and long-term care insurance do not cover you, even with a German pension only. Ask your Krankenkasse before you move.
- How much does Bambu Harmony Living cost in euros?
- Independent Living starts at ₱95,000 a month (about €1,350) and Assisted Living at ₱110,000 a month (about €1,550). These are starting rates; your final rate depends on your care level.
Rules change. We checked these facts in October 2026 against the official sources below. Check with the agency before you move.
Take the First Step
Come Experience Bambu Harmony Living
The best way to discover what makes our community special is to experience it firsthand. Visit us, explore our thoughtfully designed spaces, and see how every day is lived with comfort, connection, and peace of mind.