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10 pieces
A ฿1,200 night out in Pattaya, a ₱2,000 one in Angeles. The daily number is small and true. Compounded over ten years, here is the six-figure total the daily number hides — and the health cost beside it.
The cheap-living city and the best-care city are not the same one. Bangkok vs Chiang Mai on the access dimensions that decide outcomes with age — and the transfer.
Cebu has good hospitals. All seven of the Philippines' JCI-accredited facilities are in Metro Manila. For the rarest emergency at the worst age, the gap is the plan.
Bangkok has the highest retiree baseline of the four launch cities and Asia's best private hospitals. Run as a 25-year trajectory, that combination is why the money runs out faster here.
Manila is the most expensive of the launch cities, about US$200 a month over Cebu. Run the trajectory to the year the margin hits zero — and what the premium buys.
A single retiree can live in Cebu City for about $1,400 a month. That number is real, and it has an expiry date. The Cebu cost-of-aging trajectory, run to the year the margin reaches zero.
A live-in carer in Thailand or the Philippines costs under US$600 a month. The number is real, and it answers the wrong question. The care ladder, costed.
Rejection at 75 starts a forced choice among four paths, one of them deliberate uninsurance in the highest-risk decade. The matrix, costed.
'Lifetime renewable' reads as a safety net. Across insurers it is a deadline: who accepts you, until what age, on what condition. The matrix.
Expat health cover is cheap while you don't need it and fails when you do. The cross-insurer age curve, and the year the premium overtakes the pension.
