Can I get health insurance as a digital nomad?
As a digital nomad, I'm concerned about securing reliable health insurance while traveling and working internationally. I need to know if it's possible to obtain comprehensive health coverage that caters to a mobile lifestyle, what options are available (e.g., international health insurance, local plans), and what considerations I should keep in mind regarding coverage areas and pre-existing conditions.
1 answer
Yes! Health insurance as a digital nomad is not only possible but essential:
Options:
1. International Health Insurance (Best for Long-Term Nomads)
- SafetyWing — $45–85/month, 180+ countries, designed for nomads
- World Nomads — Travel-focused, good for short trips
- Cigna Global — Premium, comprehensive global coverage
- Allianz Care — Strong EU/Asia coverage
2. Local Insurance (Required by Many DN Visas)
- Portugal: ~€50–100/month for private health insurance
- Spain: ~€60–120/month
- Thailand: ~$100–200/month for international hospital coverage
- UAE: Included with visa (employer-sponsored)
3. Travel Insurance (Short-Term)
- Good for trips under 90 days
- Not accepted for visa applications
- Examples: Allianz Travel, AXA
What DN Visas Require:
Most digital nomad visas require proof of health insurance. Requirements vary:
- Portugal D8: Insurance covering Portugal
- Spain DN: Full coverage in Spain
- Croatia: Valid health insurance
- Thailand LTR: Minimum coverage amounts specified
Recommended Setup for Nomads:
- Primary: SafetyWing Nomad Insurance ($45/month)
- Supplement: Local insurance in your base country (if required by visa)
- Emergency: Travel insurance for adventure activities
💡 Tips:
- Check if your home country insurance covers you abroad
- Some countries have reciprocal healthcare agreements
- Always carry your insurance card and policy number
- Pre-existing conditions: Cigna Global is most accommodating
Compare healthcare in different countries on MIGRS.