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We moved to a care center in Thailand in our 70s. It’s like an insurance policy for whoever is left.

May 10, 2026
in News
We moved to a care center in Thailand in our 70s. It’s like an insurance policy for whoever is left.
A couple holding hands while sitting on their couch.
Peter and Rita Millard lived in countries across Europe after they retired. In 2023, they decided that Chiang Mai, Thailand, is where they want to grow old. Amanda Goh/Business Insider.
  • After retiring from their jobs in the UK, Peter and Rita Millard spent years living in France and Malta.
  • They outgrew both places and made a final move to a care facility in Chiang Mai, Thailand, in 2023.
  • Peter says living in an aged care facility is an “insurance policy” for whoever gets left behind.

This as-told-to essay is based on a conversation with Peter Millard, a 78-year-old retiree living in Chiang Mai, Thailand, with his wife, Rita. It has been edited for length and clarity.

My wife and I spent more than 20 years moving between countries, trying to find the right place to grow old.

We met while working in the health service in Birmingham, UK, before retiring on health grounds in the late ’90s. Not ready to stop working, I retrained as a podiatrist and ran my own practice for five years, during which we built a small holiday home in southern France.

We visited as often as possible. Over time, we realized how much we loved life in France.

A couple posing for a photo outside their home in a retirement facility in Chiang Mai, Thailand.
The Millards had never been to Asia before they decided to move to Thailand. Amanda Goh/Business Insider.

France, then Malta

When I finally retired again in 2003, we moved to Lodève, a small town about 31 miles from Montpellier, settling into the holiday home we had built.

Our house was a 10-minute drive from the town, with terraces on three sides and lovely views of the surrounding hills.

Even in a town of around 7,000 people, we built a close circle of friends, including our French neighbors, who had three children. We soon got involved with the school run, horse-riding lessons, and anything else when their mom was busy and transport was required.

But as we got older, we started to think more practically about what we could manage in the future.

The lake at Care Resort Chiang Mai in Thailand.
The care facility they visited in Chiang Mai had lush greenery and a huge lake, and it felt like living in a park. Amanda Goh/Business Insider.

You get to an age where there’s no public transport, there’s a lot of land to look after, and you start to wonder if you’ll be able to cope in 10 years’ time.

We didn’t want to return to the UK, so in 2012, we moved to Malta instead. Life there was more convenient, and we quickly settled into our three-bedroom penthouse located centrally on the island.

After seven years, though, we felt we needed another change. We had outgrown Malta, as it is a very small island, and eventually decided to move back to the UK.

A brief stint back in the UK

Instead of returning to the Midlands where we previously lived, we moved to a retirement complex on the south coast. It was a big mistake. When we arrived, new management had just taken over, and the place became very inflexible, particularly around meal times and seating, and the food was poor.

We lasted under three months before moving out and renting an apartment, where we were much happier.

Although the town was comfortable, the UK no longer felt like home after so many years abroad.

I ended up having a triple heart bypass just as the pandemic was hitting the country. We were trapped in England for nearly three years.

Examples of some of the houses at Care Resort Chiang Mai in Thailand.
By the end of a weeklong scouting trip, they made up their minds to move. In their minds, this would be where they’ll grow old. Amanda Goh/Business Insider.

Even so, the idea of living abroad again never quite left our minds.

One Sunday, while reading the papers, Rita came across an article about a retirement resort in Chiang Mai, in northern Thailand.

We had never been to that part of the world. But we both read the piece and said, “How about that?” We have no kids, so it’s just the two of us.

Chiang Mai, at last

We arranged a visit to the Care Resort Chiang Mai, located on the outskirts of the city, to see if it could work for us.

The couple's room.
The couple said they were given free rein to decorate and make the space their own, helping it feel more like home. Amanda Goh/Business Insider.

The surroundings were lovely, just like living in a park. We spent a few days at the resort and a few days in the city. By the end of the weeklong trip, we felt confident we had found the right place.

Several months later, in February 2023, we moved to Chiang Mai. This will be our final move.

We’ve done a lot of traveling since we’ve been together for 40-odd years, including on cruises. My wife says she never wants to see another airport.

We were encouraged to make our villa our home, so we have refurnished and even changed the curtains.

The couple's home.
The couple said they want to live as independently as possible, while still having support available if needed. Amanda Goh/Business Insider.

As we’re fit and well, we want to carry on as normal, so we do most of the housework and prepare all our meals.

We do make use of some of the facility’s support when needed. Staff help with practical matters, such as visa renewals, and can arrange medical appointments for us.

The pool at Care Resort Chiang Mai in Thailand.
They see living in a care community as an “insurance policy” for whoever is left behind. Amanda Goh/Business Insider.

Once you experience the kindness of the Thai people, you’ll realize that this is a lovely country to spend your remaining years.

In a way, choosing to live in a care community is about planning ahead. The idea was that whoever was left would be looked after by the people here.

It’s a bit like an insurance policy. We don’t need any support now, but in the future, we may.

Read the original article on Business Insider

The post We moved to a care center in Thailand in our 70s. It’s like an insurance policy for whoever is left. appeared first on Business Insider.

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