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Living in Sri Lanka: Cost of Living, Healthcare and What to Know About Living in Sri Lanka | Expat Exchange
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Hikkaduwa, Sri Lanka

Living in Sri Lanka

By Betsy Burlingame

Last updated on Sep 07, 2023

Summary: The approximate population of Sri Lanka is 21.2 million people. The largest cities in Sri Lanka are Colombo, Kandy, and Jaffna. Expats love living in Sri Lanka for its beautiful beaches, friendly people, and low cost of living. People describe life in Sri Lanka as relaxed and laid-back, with a strong sense of community. Foods popular in Sri Lanka include rice and curry dishes, as well as seafood. The cons of living in Sri Lanka include the lack of infrastructure, limited job opportunities, and the high cost of imported goods. The average cost of living for an expat is around $1,000 to $1,500 per month, depending on lifestyle. This includes rent, utilities, food, and entertainment.

William Russell
William Russell
William Russell
William Russell

What are the pros and cons of living in Sri Lanka?

Expats, digital nomads and retirees living in Sri Lanka responded:

"Expats and digital nomads often appreciate the low cost of living in Sri Lanka, as well as the friendly locals and the beautiful scenery. They also enjoy the country's rich culture and history, as well as the variety of activities available. On the other hand, some expats and digital nomads may find the infrastructure and public transportation lacking, as well as the slow internet speeds. Additionally, the hot and humid climate can be a challenge for some," said one expat in living in Sri Lanka.

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What type of social life can someone expect in Sri Lanka?

When we asked expats and global nomads about their social experiences in Sri Lanka, they replied:

"Expats, retirees and digital nomads living in Sri Lanka typically have an active social life. They often join local clubs and organizations, attend cultural events, and make friends with other expats, retirees and digital nomads. They also often take part in outdoor activities such as hiking, surfing, and exploring the country's many beaches and national parks. Additionally, they often take advantage of the country's vibrant nightlife, with its many bars, restaurants, and clubs," explained one expat in Sri Lanka.

"Sri Lanka is a vibrant and diverse country with a lively social scene. People from all walks of life come together to enjoy the many cultural events, festivals, and celebrations that take place throughout the year. From traditional music and dance performances to modern clubs and bars, there is something for everyone to enjoy. Sri Lanka is also home to a variety of restaurants, cafes, and street food stalls, offering a range of delicious local dishes. With its stunning beaches, lush jungles, and ancient ruins, Sri Lanka is a great place to meet new people and make lasting memories," remarked one expat in Sri Lanka.

What are medical services in Sri Lanka like?

When we asked expats and global nomads about the quality of medical care in Sri Lanka, they replied:

"Sri Lanka has a well-developed healthcare system, with both public and private medical services available. The public healthcare system is free for all citizens, and provides a wide range of services, including primary care, specialist care, and hospital care. Private medical services are also available, and are generally of a high quality. Sri Lanka has a number of well-equipped hospitals and clinics, and a wide range of medical professionals, including doctors, nurses, and other healthcare workers. The country also has a number of medical research institutes, which are dedicated to improving the quality of healthcare in the country," remarked one expat in Sri Lanka.

Are healthcare and health insurance expensive in Sri Lanka?

"We have had no experiences with regard to the use of our health insurance as either the cost was too low to even bother with it or it was pre-existing and was not going to be covered so was out of pocket. Yes, we have Cigna Global Health Insurance as to be a foreign resident in Sri Lanka it is required to have health insurance coverage. It has been vague if the insurance will cover Nawaloka, Negombo Branch but their map showing most hospitals for us to go to are in Colombo (27 miles distance). I can't get an answer from Nawaloka Hospital, Negombo Branch either if they would accept Cigna here locally. I did pick Cigna Global as most of the other insurance outfits seemed kind of dicey and it was the best of the lot. ," explained one expat living in Negombo.

"Healthcare is free for everyone. Every city and town has a state run hospital/s which has super qualified doctors and treatments and medicine for free of charge. But sometimes line are long. You also have the option to go for a private hospital or clinic which is paid. Insurance usually covers all general treatments and can be claimed. Insurance providers are many in Sri Lanka - with Ceylinco Life, AIA and Janashakti been just a few. Each has different tiers of insurance depending on your budget. You can go as low as you want or as high. ," said one expat in living in Sri Lanka.

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Is the cost of living in Sri Lanka high?

We asked people about the cost of living in Sri Lanka, they wrote:

"The cost of living in Sri Lanka is generally considered to be quite affordable. The capital city of Colombo is the most expensive place to live in the country, with prices for goods and services being higher than in other parts of the country. The rental price for a nice 1 bedroom apartment in Colombo is around $500 USD per month, while a nice 2 bedroom apartment can cost up to $800 USD per month. Eating dinner at a moderately priced restaurant in Sri Lanka can cost around $10 USD per person," wrote one expat in Sri Lanka.

What are the visa & residency requirements in Sri Lanka?

"To apply for a visa to Sri Lanka, travelers must submit an online application form and provide a valid passport, two passport-sized photographs, and proof of sufficient funds. Depending on the purpose of the visit, additional documents may be required. Once the application is approved, the visa will be issued and sent to the applicant. To apply for residency in Sri Lanka, applicants must submit an application form, a valid passport, two passport-sized photographs, proof of sufficient funds, and a valid work permit. Depending on the purpose of the residency, additional documents may be required. Once the application is approved, the residency permit will be issued and sent to the applicant," explained one expat in Sri Lanka.

Why do people move to Sri Lanka?

When we asked people why foreigners move to Sri Lanka, they responded:

"Sri Lanka is an attractive destination for expats due to its stunning natural beauty, rich culture, and friendly people. The country offers a low cost of living, excellent healthcare, and a wide range of activities and attractions. Expats can also benefit from the country's strong economy, which is growing rapidly and offers plenty of job opportunities. Additionally, Sri Lanka is a safe and secure country with a low crime rate, making it an ideal place to live and work," remarked one expat in Sri Lanka.

What do I need to know about living in Sri Lanka?

When we asked people what advice they would give someone preparing to move to Sri Lanka, they said:

"1. Expats should research the cost of living in Sri Lanka to ensure they have enough money to cover their expenses. 2. It is important to familiarize yourself with the local culture and customs to ensure a smooth transition. 3. Expats should also consider the language barrier and whether they need to learn the local language. 4. Healthcare in Sri Lanka is generally good, but expats should research the quality of healthcare in the area they plan to retire in. 5. Expats should also research the visa requirements for retirement in Sri Lanka and ensure they have the necessary documents. 6. It is important to research the climate in Sri Lanka to ensure it is suitable for your lifestyle. 7. Expats should also consider the availability of amenities and services in the area they plan to retire in. 8. Finally, expats should research the safety and security situation in Sri Lanka to ensure they feel safe and secure," said one expat in Sri Lanka.

What do I need to know before moving to Sri Lanka?

When we asked people what advice they would give someone preparing to move to Sri Lanka, they said:

"Sri Lanka is a beautiful and diverse country with a rich culture and history. Expats should be aware that the official language is Sinhala, although English is widely spoken. It is important to research the local customs and etiquette before moving to Sri Lanka, as there are certain cultural norms that should be respected. Expats should also be aware that the cost of living in Sri Lanka is generally lower than in other countries, but that the quality of goods and services may not be as high. Additionally, expats should be aware that the climate in Sri Lanka can be quite hot and humid, so it is important to be prepared for the weather. Finally, expats should be aware that the healthcare system in Sri Lanka is not as advanced as in other countries, so it is important to have adequate health insurance," remarked one in Sri Lanka.

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How do I find a place to live in Sri Lanka?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Sri Lanka is to use online resources such as real estate websites, classifieds, and social media groups. You can also contact local real estate agents who can help you find a suitable place to live. Additionally, you can ask friends and family who live in Sri Lanka for recommendations. Finally, you can also look for rental postings in local newspapers and magazines," said a person living in Sri Lanka.

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What is a typical expat home or apartment like in Sri Lanka?

"Expat homes and apartments in Sri Lanka tend to be modern and comfortable, with air conditioning, high-speed internet, and other amenities. Many expats choose to live in gated communities, which offer a secure and private environment. Expat homes and apartments often come with a variety of features, such as swimming pools, gyms, and other recreational facilities. Expats can also find homes and apartments with balconies, terraces, and gardens, providing a great outdoor space to relax and enjoy the tropical climate," said a person living in Sri Lanka.

What is the average cost of housing in Sri Lanka?

If you are thinking about moving to Sri Lanka, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Sri Lanka varies depending on the location and type of property. Generally, the cost of renting a house in Sri Lanka is relatively affordable, with prices ranging from around $200 to $500 per month for a basic house in a rural area. In urban areas, the cost of renting a house can be higher, with prices ranging from around $500 to $1,000 per month for a basic house. The cost of buying a house in Sri Lanka is also relatively affordable, with prices ranging from around $50,000 to $200,000 for a basic house," said a person living in Sri Lanka.

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Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.

Allianz CareAllianz Care

Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.
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How do I meet people in Sri Lanka?

When we asked people living in Sri Lanka about club and activities where newcomers can meet others, they responded:

"Expats in Sri Lanka often join clubs and activities such as sports teams, book clubs, and language classes. Expats can also meet people by attending local events such as festivals, concerts, and art exhibitions. Additionally, many expats join social media groups and online forums to connect with other expats living in Sri Lanka. Finally, expats can also meet people by attending networking events, joining local organizations, and volunteering in their community," remarked one expat in Sri Lanka.

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What should I bring when moving to Sri Lanka?

People living in Sri Lanka were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Sri Lanka, it is important to pack items that will help you adjust to the climate and culture. Consider bringing lightweight, breathable clothing that is appropriate for the hot and humid climate. It is also important to bring items that will help you stay connected to your home country, such as a laptop, phone, and any necessary chargers. Additionally, it is a good idea to bring any necessary medications, as well as a first aid kit. Finally, don't forget to bring any important documents, such as your passport and visa," said one expat in Sri Lanka.

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Where should I setup a bank account in Sri Lanka?

We asked expats in Sri Lanka what banks they use and there advice about banking. They advised:

"1. Expats should research the cost of living in Sri Lanka to ensure they have enough money to cover their expenses. 2. It is important to familiarize yourself with the local culture and customs to ensure a smooth transition. 3. Expats should also consider the language barrier and whether they need to learn the local language. 4. Healthcare in Sri Lanka is generally good, but expats should research the quality of healthcare in the area they plan to retire in. 5. Expats should also research the visa requirements for retirement in Sri Lanka and ensure they have the necessary documents. 6. It is important to research the climate in Sri Lanka and the best time of year to visit or retire. 7. Expats should also consider the safety and security of the area they plan to retire in. 8. Finally, expats should research the availability of activities and amenities in the area they plan to retire in," remarked one in Sri Lanka.

Will I be able to find a job in Sri Lanka?

When we asked people about industries and career opportunities in Sri Lanka, they reponded:

"Foreigners often work in Sri Lanka as English teachers, tour guides, hospitality workers, IT professionals, and medical professionals. They may also work in the fields of finance, engineering, and business. Additionally, some foreigners may find employment in the tourism industry, working as hotel staff, restaurant staff, or tour operators," replied an expat in Sri Lanka.

What is life like in Sri Lanka?

When we asked people living in Sri Lanka what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Sri Lanka is generally quite pleasant. The country is known for its friendly people, stunning landscapes, and delicious cuisine. Expats and digital nomads can find a variety of accommodation options, from beachfront villas to city apartments. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. The country also offers a wide range of activities, from exploring ancient ruins to surfing on the beach. With its vibrant culture, stunning scenery, and friendly locals, Sri Lanka is an ideal destination for expats and digital nomads," remarked one expat in Sri Lanka.

What do expats in Sri Lanka appreciate most about the local culture?

"Friendliness of people and their willingness to help you at every turn. I was working in London and Latvia before and I was depressed then due to the fact that I did not find genuine people around me," replied an expat in Colombo.

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What do expats find most challenging?

"Expats in Sri Lanka often find the local culture to be quite different from what they are used to. Many find the language barrier to be a challenge, as English is not widely spoken outside of the major cities. Additionally, the local customs and etiquette can be difficult to navigate, as Sri Lanka has a very distinct culture and set of social norms. Expats may also find the climate to be difficult to adjust to, as Sri Lanka is a tropical country with high temperatures and humidity. Finally, the cost of living in Sri Lanka can be higher than what expats are used to, making it difficult to budget and plan for their stay," explained one expat living in Sri Lanka.

"Everything is so slow. People are very proud and stubborn at times. They smile a lot, but the smile doesn't always feel sincere. There is a lack of problem solving orientation. Prices are quite high for some items and especially for foreigners. Old cars are being driven and they are very polluting," said one expat in Colombo .

Is there a lot of crime in Sri Lanka?

We asked people if there is a lot of crime. They answered:

"Sri Lanka has a relatively low crime rate compared to other countries in the region. However, there have been reports of violent crimes such as robberies, assaults, and murders. In addition, there have been reports of drug trafficking, human trafficking, and other organized crime activities. The government has taken steps to address these issues, including increased police presence and increased penalties for certain crimes," explained one expat.

Is there a lot of diversity? Are people in Sri Lanka accepting of differences?

"Sri Lanka is a culturally diverse country, with a population made up of many different ethnic and religious groups. People in Sri Lanka are generally accepting of differences, and there is a strong sense of unity and tolerance among the different communities. The country has a long history of peaceful coexistence between its various ethnic and religious groups, and this has helped to create a culture of acceptance and understanding," said one expat in Sri Lanka.

What are the schools in Sri Lanka like?

"The British School in Colombo is one of the best international schools in Sri Lanka. It offers a British-style education to students from all over the world, with a focus on developing the whole child. The school has a strong emphasis on academic excellence, with a wide range of extra-curricular activities and a strong emphasis on developing leadership skills. The Lyceum International School in Colombo is another excellent international school in Sri Lanka. It offers a comprehensive education to students from all over the world, with a focus on developing the whole child. The school has a strong emphasis on academic excellence, with a wide range of extra-curricular activities and a strong emphasis on developing leadership skills. The Gateway College in Colombo is a great bilingual school in Sri Lanka. It offers a bilingual education to students from all over the world, with a focus on developing the whole child. The school has a strong emphasis on academic excellence, with a wide range of extra-curricular activities and a strong emphasis on developing leadership skills. The Overseas School of Colombo is another excellent bilingual school in Sri Lanka. It offers a bilingual education to students from all over the world, with a focus on developing the whole child. The school has a strong emphasis on academic excellence, with a wide range of extra-curricular activities and a strong emphasis on developing leadership skills," explained one expat living in Sri Lanka.

"I would advise future parents to enroll their child(ren) in the exta-curricular activities available as, you will most likely not live around any of the other school children," said one parent with children at Negombo International Children's Education in Negombo.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

Hikkaduwa, Sri Lanka

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