{
  "schemaVersion": 1,
  "modelVersion": "2026-10-28",
  "household": "One adult; long-term rental; no dependants",
  "scenario": "A comfortable ordinary month in an urban residential area, outside short-stay holiday pricing. This is a modelling reference, not a surveyed price basket.",
  "includes": [
    "Rent",
    "Utilities",
    "Groceries and occasional meals out",
    "Local transport",
    "Internet and mobile service",
    "An illustrative healthcare/insurance allowance",
    "Ordinary leisure"
  ],
  "excludes": [
    "Tax",
    "Debt repayments",
    "International-school fees and childcare",
    "Flights and trips home",
    "Visa and moving setup costs",
    "Major or specialist care",
    "An emergency reserve"
  ],
  "gbpPerUsd": 0.75,
  "exchangeRateBasis": "Editable planning assumption, not live or historical FX evidence",
  "lifestyleFactors": {
    "careful": 0.84,
    "comfortable": 1,
    "spacious": 1.24
  },
  "roundingUsd": 50,
  "countries": {
    "albania": {
      "name": "Albania",
      "monthlyUsd": 1450,
      "referenceLocation": "Albania — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/albania/",
      "weather": "Mediterranean",
      "evidence": {
        "visa": "As checked on 27 October 2026, British visitors can normally stay visa-free for up to 90 days in a 180-day period. US citizens have a different allowance: the US State Department says up to one year from first entry without a visa. Working, studying or staying longer can require a residence permit. Check the rule for the actual passport and activity before committing.",
        "health": "Plan care at facility level before choosing a home. FCDO warns of limited medical facilities, particularly outside Tirana, and recommends appropriate cover and funds for treatment or evacuation. Ask the public authority what insurance or entitlement applies to your residence and employment; a private clinic is a separate payment arrangement. Identify the doctor, referral hospital and transfer route for continuing conditions.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/albania",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "argentina": {
      "name": "Argentina",
      "monthlyUsd": 1800,
      "referenceLocation": "Argentina — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/argentina/",
      "weather": "Temperate to subtropical",
      "evidence": {
        "visa": "British and US citizens normally receive up to 90 days visa-free as tourists. Work, study, family reunification and rentista/pensionado residence routes require the relevant temporary residence application.",
        "health": "Public-hospital access depends on the administration and immigration category. Argentina’s national Health Ministry explains that permanent residents retain access on the same basis as citizens, while foreigners without permanent residence must provide valid health insurance or pay for routine care at national-state facilities. Emergency care remains available regardless of status. The 2026 national-hospital procedure does not establish identical rules for every provincial or municipal facility: ask the intended hospital and insurer about your position.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/argentina",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "australia": {
      "name": "Australia",
      "monthlyUsd": 4200,
      "referenceLocation": "Australia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/australia/",
      "weather": "Highly varied",
      "evidence": {
        "visa": "British and US visitors need electronic travel authority before travel—usually an eVisitor for eligible British passports or an ETA for eligible US passports. Visitor status does not permit ordinary employment; longer residence is normally skills, employer, partner, family or study based.",
        "health": "Medicare is administered by Services Australia; public hospitals are run by state and territory health services, with GPs usually the first stop for non-emergencies. Permanent residents and some other eligible people can enrol, while many temporary visa holders must carry private cover; reciprocal arrangements depend on citizenship and the particular treatment. Medicare does not mean every GP visit is free: practices may charge a gap above the rebate. Check the public hospital and bulk-billing availability for the exact suburb, not just the city.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/australia",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "brazil": {
      "name": "Brazil",
      "monthlyUsd": 2000,
      "referenceLocation": "Brazil — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/brazil/",
      "weather": "Tropical to temperate",
      "evidence": {
        "visa": "British citizens can normally visit visa-free for up to 90 days. US citizens require the current Brazilian electronic visitor visa before travel. Neither visitor route authorises local work; residence options include work, family, retirement, investment and digital-nomad status.",
        "health": "Brazil’s Ministry of Health says SUS is available to everyone in the country, including migrants regardless of immigration status. A local UBS can help with primary care, vaccination and registration; urgent or specialist needs may use other parts of the network. Identify the facilities near the intended home. If buying private cover, compare its actual network, waiting periods and exclusions instead of assuming it replaces every public route.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/brazil",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "bulgaria": {
      "name": "Bulgaria",
      "monthlyUsd": 1600,
      "referenceLocation": "Bulgaria — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/bulgaria/",
      "weather": "Continental",
      "evidence": {
        "visa": "British and US citizens can visit within the Schengen 90-days-in-180 limit. Longer stays require a Bulgarian long-stay visa and residence basis such as work, business, study, family or qualifying pension income.",
        "health": "The NHIF/NZOK funds covered care through contracted providers for people with the relevant insurance entitlement. Its published pathway uses a GP to arrange specialist or hospital referrals; care sought outside that pathway may be chargeable. Before choosing a home, confirm your insurance status, find an appropriate contracted GP and ask which treatments, medicines or additional services you would pay for. A long-stay document alone should not be used as proof that every bill is covered.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/bulgaria",
      "climate": "mild",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "cambodia": {
      "name": "Cambodia",
      "monthlyUsd": 1350,
      "referenceLocation": "Cambodia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/cambodia/",
      "weather": "Hot tropical",
      "evidence": {
        "visa": "British and US travellers can obtain a tourist eVisa or visa on arrival, normally for 30 days. Longer stays usually use an ordinary E-class visa followed by the correct extension; work requires the appropriate status and work permit.",
        "health": "The Ministry of Health runs public health centres, referral hospitals and provincial hospitals; the National Social Security Fund (NSSF) provides health insurance to registered workers through its contracted network. Foreign employees should verify actual NSSF enrolment and which facilities are contracted. Most independently funded newcomers use private clinics or hospitals in Phnom Penh or Siem Reap. Specialist gaps can require treatment abroad, making evacuation cover a practical budget line rather than a luxury.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "The October 2026 source review identified serious Thailand-border restrictions. Check the current advisory, border crossing status and insurance cover for your route."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/cambodia",
      "climate": "tropical",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": true
    },
    "colombia": {
      "name": "Colombia",
      "monthlyUsd": 1850,
      "referenceLocation": "Colombia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/colombia/",
      "weather": "Varied by altitude",
      "evidence": {
        "visa": "British and US citizens can usually enter visa-free for an initial tourist stay of up to 90 days, with extensions subject to the annual limit and approval. Work, investment, retirement and digital-nomad residence use separate visas.",
        "health": "Colombia’s system links people to an EPS insurer, which arranges care through its IPS clinics and hospitals; funding and oversight involve ADRES and health authorities. Eligible residents may enter the contributory regime through work or other contributions, while subsidies have separate criteria. A prepaid medicina prepagada plan is an additional private layer, not a replacement for all EPS obligations. EPS network problems and delays make the exact provider and city important; identify the contracted emergency hospital after enrolment.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/colombia",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "costa-rica": {
      "name": "Costa Rica",
      "monthlyUsd": 2500,
      "referenceLocation": "Costa Rica — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/costa-rica/",
      "weather": "Tropical",
      "evidence": {
        "visa": "British and US citizens are visa-exempt for tourism; the immigration officer sets the authorised stay, which can be up to 180 days. Pensionado, rentista and investor residence have documented income or investment tests; remote workers use the digital-nomad route.",
        "health": "Contact the CCSS (Caja) and EBAIS clinic serving the proposed address to establish your eligibility, registration and contribution position. Ask how routine appointments, specialist referrals and hospital treatment are arranged for your particular status. If using private care as well, obtain written network and payment terms. Do not assume that a residence application or private policy by itself settles access to public care.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/costa-rica",
      "climate": "tropical",
      "settings": [
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "croatia": {
      "name": "Croatia",
      "monthlyUsd": 2250,
      "referenceLocation": "Croatia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/croatia/",
      "weather": "Mediterranean/continental",
      "evidence": {
        "visa": "British and US citizens are subject to the Schengen 90-days-in-180 visitor limit. Longer stays need temporary residence for work, family, study, property-linked purposes or the digital-nomad scheme; visitor time is not work permission.",
        "health": "Eligible residents register with HZZO, Croatia’s public health-insurance system. Published UK-resident guidance describes choosing a doctor and obtaining referrals for specialist care, with patient charges under the scheme. Confirm entitlement and any contribution or supplementary cover for your status. If considering an island, check the practical journey for specialist treatment before renting.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/croatia",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "ecuador": {
      "name": "Ecuador",
      "monthlyUsd": 1600,
      "referenceLocation": "Ecuador — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/ecuador/",
      "weather": "Varied by altitude",
      "evidence": {
        "visa": "For British visitors, published guidance allows up to 90 days without a visa within a 12-month period. Other nationalities should check Ecuador’s current entry list. Longer residence is separate: the foreign ministry lists work, pensioner, rentier, professional, investor and remote-work categories, each with its own evidence.",
        "health": "Ecuador’s public Ministry of Health services and IESS membership are distinct routes. IESS publishes voluntary-affiliation procedures for eligible foreign residents as well as arrangements connected to employment. Confirm identification, enrolment, contribution and treatment rules before relying on membership. Compare private cover separately and identify the actual facility and referral journey for ongoing care.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/ecuador",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "georgia": {
      "name": "Georgia",
      "monthlyUsd": 1500,
      "referenceLocation": "Georgia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/georgia/",
      "weather": "Continental/subtropical",
      "evidence": {
        "visa": "British nationals can normally stay visa-free for up to 365 days; other nationalities should check the current official list. Visitor permission does not by itself settle work or tax status. From 1 January 2026, tourists covered by the entry rules must hold health-and-accident insurance for the whole stay, with coverage of at least GEL30,000 and the required policy details in Georgian or English. Check the rules for your exact status before departure.",
        "health": "Before relying on state-funded healthcare, ask the responsible health authority whether your exact status is eligible and which providers it covers. Obtain a personal quotation for private insurance and identify a clinic, hospital and referral or transfer plan for the treatment you need. Do not assume a foreign-resident document guarantees public funding.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/georgia",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "greece": {
      "name": "Greece",
      "monthlyUsd": 2200,
      "referenceLocation": "Greece — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/greece/",
      "weather": "Mediterranean",
      "evidence": {
        "visa": "British and US citizens can visit under the Schengen 90-days-in-180 rule. Longer residence includes financially independent, work, investment, family and digital-nomad routes, each with income, insurance and documentation requirements.",
        "health": "For an eligible worker in Greece, public healthcare involves social-insurance registration, an AMKA number and the applicable EOPYY process. Other residents may use an S1 where eligible or need private insurance. Public, contracted-private and fully private appointments can have different payment rules. Check the exact registration and referral route for your status; on an island, ask which conditions require travel.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/greece",
      "climate": "warm",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "indonesia-bali": {
      "name": "Indonesia / Bali",
      "monthlyUsd": 1900,
      "referenceLocation": "Indonesia / Bali — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/indonesia-bali/",
      "weather": "Tropical",
      "evidence": {
        "visa": "British and US visitors can use the 30-day visa on arrival/e-VOA and normally extend it once. Employment, running a local business or long-term residence requires the correct KITAS/KITAP category; tourist status is not a work permit.",
        "health": "If you will work in Indonesia, establish the health cover provided by your employer and confirm any BPJS/JKN enrolment with the scheme before treatment. A stay permit alone is not an insurance policy. For private care, obtain the hospital network and payment terms in writing, including specialist transfer or evacuation arrangements. FCDO warns that facilities and access can be limited outside major centres and that medical evacuation can be expensive.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/indonesia",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "japan": {
      "name": "Japan",
      "monthlyUsd": 2900,
      "referenceLocation": "Japan — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/japan/",
      "weather": "Four seasons",
      "evidence": {
        "visa": "British and US citizens can normally visit visa-free for up to 90 days. Paid work requires an appropriate status of residence, usually sponsored; Japan does not treat repeated tourist entries as a residence strategy.",
        "health": "Eligible residents generally join employee health insurance or municipal National Health Insurance, according to circumstances. MHLW explains that NHI principally serves people outside employee cover, including qualifying foreign residents staying over three months; short-term and certain other statuses are excluded. For approved care, the usual working-age patient share is 30%, but age and other rules can change it. Check your status, premiums, referral arrangements and medicines before relocating.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/japan",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "malaysia": {
      "name": "Malaysia",
      "monthlyUsd": 2000,
      "referenceLocation": "Malaysia — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/malaysia/",
      "weather": "Tropical",
      "evidence": {
        "visa": "FCDO says full British citizen passport holders normally receive up to 90 days for a tourism visit. Complete the Malaysia Digital Arrival Card if it applies to your passport and status. Other nationalities should confirm their allowance with Malaysian Immigration. Employment, study, DE Rantau and MM2H arrangements have separate conditions.",
        "health": "Malaysia’s Ministry of Health publishes scheduled charges for foreign patients in government hospitals and health clinics. Treatment is not automatically free for a foreign resident. Obtain the applicable schedule and ask what is charged separately, including tests, treatment and admission. For private cover, confirm the provider network, chronic-condition terms and direct-payment process.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/malaysia",
      "climate": "tropical",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "malta": {
      "name": "Malta",
      "monthlyUsd": 2750,
      "referenceLocation": "Malta — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/malta/",
      "weather": "Mediterranean",
      "evidence": {
        "visa": "British and US citizens are limited to Schengen’s 90 days in 180 as visitors. Employment, nomad, retirement, family and investment residence programmes have separate financial, housing and insurance tests.",
        "health": "Malta's public-health entitlement must be established separately from simply holding a residence card. For UK nationals, the official guidance identifies routes involving Maltese social-security contributions, S1 registration or a relevant reciprocal arrangement. Check your own nationality and status with the Entitlement Unit and retain suitable cover while registration is unresolved.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/malta",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "mauritius": {
      "name": "Mauritius",
      "monthlyUsd": 2100,
      "referenceLocation": "Mauritius — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/mauritius/",
      "weather": "Tropical",
      "evidence": {
        "visa": "British and US visitors generally do not need a visa in advance; the immigration officer grants the period of stay. Longer routes include occupation, premium, retired non-citizen and investor permits with income or investment conditions.",
        "health": "The Ministry of Health and Wellness runs area health centres, district and regional hospitals, including Dr A. G. Jeetoo in Port Louis and Victoria Hospital at Candos. Public services are extensive for citizens, but a foreign permit holder should establish whether care is free or chargeable in their circumstances. Private hospitals and clinics offer quicker access in central districts. For complex specialties, some residents arrange treatment abroad; an evacuation benefit is worth pricing.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/mauritius",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "mexico": {
      "name": "Mexico",
      "monthlyUsd": 2100,
      "referenceLocation": "Mexico — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/mexico/",
      "weather": "Highly varied",
      "evidence": {
        "visa": "British and US citizens can normally visit without a visa; immigration decides the authorised stay, up to 180 days, at entry. Temporary residence generally relies on financial solvency, family or Mexican work permission; permanent residence has higher or family-based tests.",
        "health": "IMSS covers enrolled formal workers and eligible family members; qualifying independent foreign workers can investigate voluntary IMSS enrolment. ISSSTE serves public-sector employees, while IMSS-Bienestar operates public services for people without social security in participating states. Public network and eligibility vary by state, and private hospitals are a common choice in larger cities. Do not rely on the old INSABI label. Confirm the nearest emergency hospital and whether your chosen insurance pays it directly.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/mexico",
      "climate": "warm",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "new-zealand": {
      "name": "New Zealand",
      "monthlyUsd": 3900,
      "referenceLocation": "New Zealand — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/new-zealand/",
      "weather": "Temperate",
      "evidence": {
        "visa": "Eligible British passport holders travelling with an NZeTA may be granted a visitor stay of up to six months; many other visa-waiver visitors, including US passport holders, may be granted up to three months. An NZeTA is travel authority, not guaranteed entry. Visitor rules permit qualifying remote work for overseas employers or clients; work for a New Zealand employer or business needs the appropriate permission. Check tax obligations separately.",
        "health": "Health New Zealand | Te Whatu Ora runs public hospitals; general practice is usually a privately run first point of care and can charge a visit fee. Citizens, residents and certain qualifying work-visa holders can use publicly funded services, while other temporary visitors may have to pay in full. Accident Compensation Corporation (ACC) covers many injury claims, including visitors, but not ordinary illness. Public eligibility and private cover should both be checked against the exact visa.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/new-zealand",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "panama": {
      "name": "Panama",
      "monthlyUsd": 2300,
      "referenceLocation": "Panama — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/panama/",
      "weather": "Tropical",
      "evidence": {
        "visa": "FCDO says British visitors arriving by air or land can normally visit for up to three months without a visa; sea arrivals can have different rules. Other passports should check their own allowance. Residence and employment categories are separate applications, and the actual entry stamp and immigration decision matter.",
        "health": "Check separately whether you will use MINSA services, CSS insurance or private care. CSS’s current notice says foreign insured patients must continue presenting their physical CSS card, even as identification changes for other insured people. Ask CSS to confirm eligibility and registration; a residence card is not the CSS insurance document. Identify the doctor, emergency hospital and payment or transfer arrangement for the chosen town.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/panama",
      "climate": "tropical",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "philippines": {
      "name": "Philippines",
      "monthlyUsd": 1700,
      "referenceLocation": "Philippines — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/philippines/",
      "weather": "Tropical",
      "evidence": {
        "visa": "British visitors can normally enter for up to 30 days without a visa; US visitors should check the equivalent passport-specific rule with the Bureau of Immigration. A longer stay needs the appropriate extension or residence route. British travellers must also complete the free eTravel registration within 72 hours before arrival. A visitor extension does not authorise ordinary local employment.",
        "health": "PhilHealth has a membership route for qualifying foreign retirees and foreign residents or workers. Its published guidance asks for valid SRRV or ACR I-card evidence as applicable. Membership, an accredited facility and the benefit package still need checking; do not assume it meets the whole private-hospital bill. Obtain a personal insurance quotation and confirm the hospital, specialist and any transfer arrangements needed for the island where you intend to live.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/philippines",
      "climate": "tropical",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "portugal": {
      "name": "Portugal",
      "monthlyUsd": 2900,
      "referenceLocation": "Portugal — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/portugal/",
      "weather": "Warm temperate",
      "evidence": {
        "visa": "British and US citizens can visit under the Schengen 90-days-in-180 rule. Longer residence includes D7 passive-income, D8 remote-work, employment, study, family and investment routes; applications normally begin through the appropriate consulate.",
        "health": "Portugal’s public system is the Serviço Nacional de Saúde (SNS). An SNS user number can be assigned when a foreign national first needs public care, but the number alone does not establish SNS-funded entitlement. Confirm the documents and funding status recorded for you, then ask the local health centre about registration, a family doctor and referrals. For a residence application or initial coverage gap, confirm the exact insurance requirement with the consulate and insurer.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/portugal",
      "climate": "warm",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "south-africa": {
      "name": "South Africa",
      "monthlyUsd": 2200,
      "referenceLocation": "South Africa — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/south-africa/",
      "weather": "Highly varied",
      "evidence": {
        "visa": "British visitors can normally visit South Africa without a visa for up to 90 days for business or tourism. Check the passport-specific rule and entry stamp rather than assuming an extension. Work, study or longer residence needs the appropriate status. FCDO also reports that an online SARS traveller declaration is required before travelling from 1 July 2026; check the current official procedure before departure.",
        "health": "Provincial health departments operate public clinics and hospitals; the National Department of Health sets policy. Public clinics are the usual first point for routine state care, with district and tertiary hospitals handling referrals. The National Health Insurance rollout is a long-term reform and should not be mistaken for universal current coverage for every new arrival. Many foreign residents use private medical aid and hospitals, which require monthly contributions and may impose waiting periods. In a smaller town, emergency transport to a specialist centre is part of the plan.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/south-africa",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "spain": {
      "name": "Spain",
      "monthlyUsd": 2700,
      "referenceLocation": "Spain — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/spain/",
      "weather": "Mediterranean/continental",
      "evidence": {
        "visa": "British and US citizens can visit under Schengen’s 90-days-in-180 rule. Longer routes include non-lucrative, employment, family, study, entrepreneur and digital-nomad residence, normally applied for before or soon after arrival as rules specify.",
        "health": "The Sistema Nacional de Salud (SNS) is delivered by regional services, such as SERMAS in Madrid, CatSalut in Catalonia and the Andalusian Health Service. Eligible residents obtain a tarjeta sanitaria for their region and usually enter through a centro de salud, where a GP makes specialist referrals. Access may follow Spanish social-security work, residence entitlement or an S1 arrangement; some permit applicants need comprehensive private insurance first. Regional lists and waits differ, and moving between regions can require new registration.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/spain",
      "climate": "warm",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "sri-lanka": {
      "name": "Sri Lanka",
      "monthlyUsd": 1500,
      "referenceLocation": "Sri Lanka — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/sri-lanka/",
      "weather": "Tropical",
      "evidence": {
        "visa": "Use the official ETA and Immigration guidance for your passport and purpose of travel. The Sri Lanka High Commission in London states that, from 25 May 2026, British nationals can obtain a free 30-day tourist ETA. A tourist permission remains different from the residence or work category needed for a move.",
        "health": "Do not assume public hospitals are free to a foreign resident. FCDO's hospitalisation guidance states that government hospitals charge foreigners and may require cash. Emergency facilities outside major cities can be limited, and a serious case may require transfer to Colombo. Establish the actual routine-care and emergency route, payment method, insurer network and evacuation arrangements before choosing a home.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/sri-lanka",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "thailand": {
      "name": "Thailand",
      "monthlyUsd": 1950,
      "referenceLocation": "Thailand — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/thailand/",
      "weather": "Tropical",
      "evidence": {
        "visa": "For full British citizen passport holders, FCDO says visa-exempt entry from 15 September 2026 permits up to 30 days for tourism, with business activities excluded. Other passports should check Thai Immigration or the relevant embassy. Work, retirement, study and qualifying DTV or LTR activities use their own rules. The entry stamp and category determine the permitted stay; do not rely on an older allowance.",
        "health": "Do not assume a Thai stay permission pays for healthcare. Confirm any employer-arranged social-security cover and provider before relying on it; otherwise obtain a suitable personal policy and ask how treatment is paid for. FCDO’s resident guidance says government and private hospitals charge for services and that Thailand and the UK do not have a reciprocal healthcare agreement.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/thailand",
      "climate": "tropical",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "united-arab-emirates": {
      "name": "United Arab Emirates",
      "monthlyUsd": 4200,
      "referenceLocation": "United Arab Emirates — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/united-arab-emirates/",
      "weather": "Hot desert",
      "evidence": {
        "visa": "British and US citizens normally receive a free visit permission on arrival for short stays; the exact period is stamped or shown electronically. Residence usually comes through employment, business/free-zone, property, family, retirement or remote-work sponsorship.",
        "health": "Public hospitals do not automatically provide free care to expatriates. Private-sector employees and domestic workers are covered by mandatory health-insurance arrangements; employer obligations, networks and family cover must be checked for the emirate and permit. Obtain written confirmation of dependant cover, co-payments, maternity terms and the hospitals available to you.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "The October 2026 guide source review identified heightened armed-conflict and terrorism warnings. Check the current official advisory and your insurer before planning travel."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/united-arab-emirates",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    },
    "vietnam": {
      "name": "Vietnam",
      "monthlyUsd": 1450,
      "referenceLocation": "Vietnam — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/vietnam/",
      "weather": "Tropical; regional variation",
      "evidence": {
        "visa": "As checked on 27 October 2026, FCDO says full British citizen passport holders can visit for up to 45 days without a visa and can apply for an eVisa allowing up to 90 days with multiple entries. Other passports, including US passports, must use the route allowed by Vietnam’s immigration authority. Work and study require separate checks; an entry permission is not a work-permit decision.",
        "health": "Vietnam Social Security’s published guidance includes foreign employees in health-insurance arrangements for qualifying employment contracts. Confirm the current contract and enrolment rules with your employer and VSS. Ask which provider, referral process and payments apply to your membership; obtain private-insurance terms separately if you want a wider provider network or transfer cover.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/vietnam",
      "climate": "tropical",
      "settings": [
        "city",
        "coast"
      ],
      "retirementScenarioAvailable": true
    },
    "singapore": {
      "name": "Singapore",
      "monthlyUsd": 4000,
      "referenceLocation": "Singapore — urban residential rental setting; no city-specific quotation is asserted",
      "provenance": "Existing comparison planning input, consolidated into the shared model on 28 October 2026. Not newly measured market expenditure.",
      "guide": "/destinations/singapore/",
      "weather": "Hot tropical",
      "evidence": {
        "visa": "For a short visit, check ICA's visa list and the period granted on the electronic Visit Pass. ICA requires most foreign travellers to have at least six months' passport validity and submit the free SG Arrival Card within three days, including the arrival day. A visit pass is not permission for ordinary local employment; narrow work-pass exemptions have their own rules.",
        "health": "Public care is organised into three clusters—SingHealth, National Healthcare Group and National University Health System—with polyclinics, specialist clinics and hospitals. MediShield Life and the strongest subsidies are for citizens and permanent residents, not ordinary Employment Pass holders. A foreign worker may have employer medical insurance, but the cover and dependent benefits differ by contract and pass type. Non-subsidised hospital bills can be substantial; obtain written benefit limits before choosing a policy.",
        "internet": "Test the connection at the actual home and work address; national impressions do not establish speed or backup availability.",
        "english": "Plan the language support needed for your own medical, legal, school and administrative appointments.",
        "retire": "Check a lawful residence route, pension taxation and personal healthcare costs. This model does not score suitability or determine eligibility.",
        "nomad": "Check permitted activities, employer consent, tax obligations and address-level connectivity. Visitor and residence rules depend on nationality and the work involved.",
        "safety": "Use the current country advisory and its regional restrictions; a national “safe” score would hide important differences between routes and households."
      },
      "guideReviewDate": "2026-10-27",
      "advisory": "https://www.gov.uk/foreign-travel-advice/singapore",
      "climate": "warm",
      "settings": [
        "city"
      ],
      "retirementScenarioAvailable": false
    }
  }
}