johncar54,
With govt state pension I believe all benefits 'die' with you.
With private pensions it's a lttle different. I have two private pensions. One states a loss of benefit amounting to 1.8% per year for each year my wife is over 10 years younger than me . The other states a widows pension of 80% of main pension.
Both index linked.
I have no idea about NHS cover outside of UK. I'd better check that
