A third of Britons would miss the NHS if they moved abroad with a fifth worrying about the quality of care they would receive, according to new research.
It also found that more than a quarter (27%) of respondents said they did not know enough about health coverage in different countries.
The Aviva Health study of 1000 adults found that the NHS would be the fifth most missed (34%) element of British life, behind friends and family (74%), TV (43%), sense of humour (39%) and food and drink (38%).
However it also revealed concerns about receiving medical treatment abroad.
Aside from 21% worrying about the quality, 23% noted about the potential cost of treatment and how to fund it and 11% suggested not understanding the country's health system would prevent them arranging treatment.
A quarter (26%) of people also said they were concerned about potential language barriers if they needed treatment.
However, less than 2% of people would be concerned about waiting lists.
Teresa Rogers, business lead for international private medical insurance at Aviva said: "Moving abroad doesn't come without its worries and it's often the simple things we take for granted in the UK - like being able to speak to a doctor in our own language or knowing where to go for treatment - that top the list of concerns.
"But with the right planning people can make sure that they know what to expect and make the necessary arrangements.
"Taking out appropriate international health insurance can help eliminate a number of the health-related concerns identified in our research," she added.
