Are you a digital nomad who frequently travels to different countries? Need reliable international health insurance? So you are in the right place! Here are the seven most advantageous international health insurance options, perfectly tailored to your needs.
We know how important it is to have health insurance, both for our safety and well-being and for entering a foreign country, whether for a trip or residence. Unfortunately, many companies take advantage of this need and raise their prices.
To make your search easier, we’ve compiled a list of the best international health insurance plans for digital nomads – those privileged remote workers who can work from anywhere in the world. If that’s your profile, keep reading to discover the best options available.
Living as a digital nomad in Poland offers many advantages, including historic and vibrant cities, lively nightlife, relatively low cost of living and good internet infrastructure. Poland is also centrally located in Europe, making it easy to travel to other countries. Furthermore, Polish culture is rich and diverse, with many opportunities to learn and experience new things.
The 5 Best Cities for Digital Nomads in Poland
- Warsaw: Poland’s capital offers plenty of shared workspace options, fast internet and a vibrant cultural and food scene, as well as being one of Central Europe’s leading tech cities.
- Krakow: The historic city of Krakow is known for its architectural beauty, many shared workspaces and a lively cultural and food scene.
- Poznań: Situated in western Poland, Poznań is an approachable and relaxed city with lots of shared workspaces and a vibrant cultural scene.
- Gdańsk: The port city of Gdańsk is an interesting mix of tradition and modernity, with lots of shared workspaces and a lively cultural scene.
- Wrocław: Located in southwest Poland, Wrocław is a picturesque and welcoming city with many shared workspaces and a diverse and vibrant cultural scene.
That said, the options of insurance I’ve separated below will help you find the best health insurance policy that fits your needs and your pocket!
But first…what is a digital nomad?
The popularity of digital nomadism has increased significantly during the COVID-19 pandemic, with many people leaving the office in search of a freer life closer to nature. These remote workers, known as digital nomads, use only a laptop to perform their duties and travel the world at the same time.
For creative professionals such as writers, publicists, designers and others who have stressful work routines, traveling and working can be a way to relax. While working on the beach may not be as practical as it sounds, it’s amazing to be able to enjoy the sea while working or easily visit after hours.
Countries like Costa Rica, Bermuda, Barbados, Portugal, Georgia and Estonia have started offering visas to digital nomads during the pandemic in order to boost local tourism and boost the economy.
Before venturing out as a digital nomad, it’s important to remember the importance of having international health insurance. Especially in Poland, where the need for medical coverage is even greater.
Why do I need international health insurance as a digital nomad?
Many travelers plan their trips without giving much thought to digital nomad health insurance or even forget about it. However, living in Poland makes it essential to have up-to-date health insurance.
It is important to remember that private medical care abroad can be unreasonably expensive, and not all countries have a public healthcare system available to travelers or digital nomads.
You also need to consider the risks of living in a foreign country, where you may be exposed to new situations and dangers, such as food poisoning. Do not be negligent and avoid taking unnecessary risks.
Here’s a quick list of reasons to be concerned about your health insurance BEFORE you travel:
1. International health insurance provides security and more comfort
While not all countries require health insurance for expats and digital nomads to enter, as already explained, moving to a new and unfamiliar country makes you more vulnerable to health or safety issues.
Even if they aren’t laws, it’s important to take care of your own health and make sure you have medical coverage when you need it. Nobody wants to move to experience difficulties, right?
2. International health insurance gives you access to better quality medical care
It’s common that we only really know a service when we use it or see it in practice, isn’t it? As much as the country you will live in offers a public health system, you can’t be sure what your experience will be like when you need it. Especially if you need any specific service or exclusivity.
International health insurance gives you the security and peace of mind that no matter what happens, you will have access to high quality medical care. That way, you won’t have to worry about emergencies abroad (yours or your family’s).
In addition, most countries in the world offer a private healthcare system that is superior to the public one. With an insurance policy, you can easily access the private system in Poland (which can be very expensive without insurance!).
3. International health insurance provides savings
No wonder international health insurance is a requirement in most countries. As mentioned at the beginning of this text, the expenses for private medical services can be excessively high, even for the simplest of services. Especially if you’re working remotely in the US, where the healthcare system is predominantly private and very expensive!
It is important to be aware that, in countries that do not require health insurance, prices are likely to be abusive as well.
Thus, international health insurance is not only a guarantee of access to quality health care, but it can also help you avoid incredibly expensive health costs, which can even lead to personal bankruptcy!
Why is it important for digital nomads to take out international health insurance and not just travel insurance?
Yes, with a digital nomad visa you are legalized in the country as a kind of “resident”. But, if you intend to spend a long period in the place or even get the residency through a work visa, you must have an international health insurance itself.
What is important to consider before taking out health insurance for digital nomads?
Finally, we can talk about the best (and most affordable!) international health insurance options.
But of course you must be wondering: how will I know which health plan is best for me?
Don’t worry, here is a list of questions to consider before making your decision:
- What type of coverage does each plan offer?
- How many hospitals and clinics does the plan cover?
- Your specific needs or those of your family.
- Quality of service and customer support.
Let’s delve into these questions:
1. Coverage offered by international health plans
One of the main aspects to consider when choosing your international health insurance is coverage. To determine if it’s right for you, there are some important questions to remember:
- What is the scope of the plan? Can I receive treatment in other cities or countries if I am travelling? As a digital nomad expat, will the plan cover me in other countries?
- Will it cover all of Poland?
- Is this the ideal plan for all my family’s needs?
- Can the plan be customized based on my priorities and/or my family’s needs?
- How many people are covered by the plan? What is the cost for additional members?
2. Number of hospitals and clinics covered by the international health plan
Another important factor to consider before purchasing a plan is the number of hospitals and clinics you will have access to, especially if you are moving to a small town.
The more options you have, the easier it will be to get appointments, tests or emergency care, and you can even choose the hospital closest to your home or one with faster service.
Last, but not least, tip: there are many international health plans where you can use the network’s medical services for free, but there are also others where you have to pay upfront and then request a refund (we don’t recommend the latter if you can avoid it). it, as it can be difficult to get insurers to pay what they owe).
Therefore, the greater the coverage of the plan, the better.
3. Your specific health needs or pre-existing conditions for you and your family
Most health insurance policies offer specific coverage for pre-existing conditions, and it is crucial to research and understand the type of coverage offered by the company you are interested in.
However, not all insurances have unlimited and free coverage for pre-existing conditions, specific treatments or even pregnancy.
So if there’s a specific type of treatment or medical care you think you might need, make sure the plan you’re considering includes it.
4. How good is the insurance company’s customer support?
Another factor to take into account is the quality of the service provided by the company you are considering, as this will be a differentiating factor in your experience with the insurer if you need to make a claim.
There are some crucial and fundamental points when hiring a health insurance offered by the company. I recommend checking response times, successful claims filed, and customer reviews (but keep in mind that insurers often receive low reviews, so take this into account with caution).
If you don’t speak English or the language of the country you’re moving to, it’s interesting to check if the company offers service in other languages, including your native language. We know that unforeseen events happen and, in moments of desperation, it’s good to have the security of being able to count on a quality and efficient support service – and in a language that we can understand.
An indispensable factor is to check if the company offers 24/7 service (all plans listed below offer this), so you don’t get caught off guard and stay on hand when you need it most.
For which citizens does international health insurance cover?
The international health insurances on this list provide coverage for citizens residing abroad as digital nomads from a variety of countries, including:
- British people
- New Zealanders
- And for citizens of almost every other country living abroad
These health insurances also provide coverage for digital nomads residing in countries such as:
- France (European Union/Schengen Area as a whole)
- China (and Hong Kong)
- And for digital nomads living in almost any other country in the world
In short, no matter where you live or where you want to go, most of these health insurance companies will be able to offer you a good service, as they are companies with global services.
The 7 best and cheapest international health insurance for digital nomads
The time you’ve been waiting for has arrived: check out the list we’ve prepared for you below.
you to know the best international health insurance and choose yours!
Tip: I always recommend that you do a quick quote with all the companies listed below. Despite the work, at the end of your search you will be able to save a good amount of money.
Founded in the United States, the company Cigna seeks to offer a global standard of quality and efficiency in healthcare services, without a lot of bureaucracy, anywhere in the world. With more than 180 million employees and offices in several countries, Cigna is a good option for those looking for insurance that meets immigration requirements in other countries.
Nikki took out international insurance from Cigna when we were living in Sweden to meet resident visa requirements and prove the quality of coverage and medical care. It’s important to remember that taking out immigration insurance shouldn’t be the only consideration, as you need to research the plan’s coverage and assess whether it meets your needs.
We had a good experience with Cigna as it was easy to find the right plan and cancel the policy after Nikki received her residency and access to the public health system. However, we never had to file a claim with them, so we can’t speak to the ease of this process.
Here are some of the positive and negative points about Cigna.
Pros of digital nomad insurance with Cigna:
- They have flexible deductibles (in other words, you can control what you pay in advance)
- You have flexible payment options (monthly, trimester, or annual)
- You don’t need to request a reimbursement/file a claim since the company will pay your health provider directly
- You have 3 types of plans to choose from: Silver, Gold, Platinum
- The basic plan covers some types of cancer screenings and up to $100 in ophthalmology annually
- They have 24-hour customer service, 7 days a week
- They offer medical coverage in the Middle East
- They have plans that include the transplanting and transportation of organs as well as kidney dialysis treatments
- The company’s website has information about the financial system, culture, and schooling system of the country you’re going to
- COVID-19: Cigna covers all potential costs in the treatment of this illness, in compliance with the protocols recommended by the WHO
Cons of digital nomad insurance with Cigna:
- You have to put in a lot of personal info to get a personalized quote
- If you plan to have a child during your stay abroad, you’ll need to invest in a more expensive policy since the basic plan doesn’t cover maternity help
2. Now Health
Now Health is an excellent option worth mentioning. The company is one of the leaders in the international health insurance market and has been serving customers around the world for years.
Now Health’s main mission is to offer quality services with clear and efficient communication. Their customer service is exceptional and is one of their main strengths.
Another advantage of the company is its varied and customizable plans, suitable for customers with different profiles and needs.
Pros of digital nomad insurance with Now Health:
- Provides coverage in over 190 countries and territories
- Flexible plans with many customizable options
- Options for plans with maternity coverage
- 24/7 service focused on agility and efficiency
Cons of digital nomad insurance with Now Health:
- Some exams and services need to go through the company’s reimbursement system
- To use maternity coverage, you must meet the 12-month grace period of the plan
Considered one of the best insurance options for digital nomads, IMG is a consolidated company with more than 30 years of experience in the market. One of the advantages of this company is that it offers global customer service and is easy to contact.
Nikki and I have both “Patriot America Plus” and “Global Medical Insurance” plans previously and have had positive experiences. Currently, the IMG website offers a live chat to answer questions and get quick answers, which has received great reviews.
As with Cigna, we did not have the need to file a complaint, so we cannot comment on this matter.
Pros of digital nomad insurance with IMG:
- They have extensive coverage with more than 17,000 doctors and clinics around the world
- There are 5 different plans for you to choose from
- If you use your IMG policy with a health provider outside the United States, you can get a 50% reduction on your deductible
- There are special health insurance plans for overseas missionaries
- There’s an automatic debit payment option
- They have an efficient online portal with access to emergency services available 24 hours a day, 7 days a week
- They have coverage for all nationalities
- The company considers COVID-19 as any other illness and injury, subject to the terms and conditions of the policy
Cons of digital nomad insurance with IMG:
- There’s an age limit with no plans available for adults above 75 (however, if you get an insurance policy when you’re 65+, you can sign up for IMG’s lifetime plan instead)
- Only the most expensive plan offers maternity care coverage (and it only offers it at a minimum of 10 months after your policy has begun)
Allianz, a German insurance company, is our last health insurance company on today’s list.
A notable aspect of Allianz is their customized program designed specifically for expatriates.
Pros of digital nomad insurance with Allianz:
- You don’t need to request a reimbursement/file a claim since the company will pay your health provider directly
- They have 24-hour customer service, 7 days a week
- They have a medical phone app that’s available to you 6 months after the start of your contract
- Beyond your plan, they also have a specific program for expats (including info about the specific country you’re moving to)
- They have coverage on all 7 continents
Cons of digital nomad insurance with Allianz:
- You don’t have very many plans to choose from
- Although their website has a lot of info about COVID-19, it doesn’t clarify whether or not they offer COVID coverage
For digital nomads seeking insurance coverage, Global Underwriters is a top choice due to their long-standing presence in the market and diverse plan options for travelers worldwide.
The Diplomat Long Term and Diplomat International plans are highly recommended for digital nomads, offering comprehensive coverage that caters well to the needs of foreign residents living abroad.
Pros of digital nomad insurance with Global Underwriters:
- Coverage of up to $1,000,000 in medical care and accidental or dismemberment deaths
- Plans covering medical evacuations, repatriation of remains and emergency dental treatment
- Provides assistance in cases where there are interruptions during your trip due to health reasons or loss of luggage
Cons of digital nomad insurance with Global Underwriters:
- The Diplomat Long Term plan does not have coverage in Cuba, Afghanistan and Iran
- Diplomat International does not provide coverage for covid-19
- The Diplomat Long Term plan does not serve residents of New York, Maryland, South Dakota, Australia and Iran
SafetyWing is a modern company that has adapted to market innovations – including being one of the best options for digital nomads – and today it is gaining ground among health insurers.
You can see the difference compared to other companies starting with the website. A modern and intuitive design, with insurance options that cover medical and travel expenses. It has some unique and innovative opportunities, such as offering 30 days of coverage in your home country for every 90 days spent abroad.
The company has a very “smart” website and prides itself on self-service. As such, it’s easy for you to resolve any issues you may have quickly and without too much trouble.
Pros of digital nomad insurance with SafetyWing:
- As with the other companies, you can personalize your plan based on your coverage needs
- The website is very functional and gives you a clear idea of how much your plan will cost and how the coverage for each plan works
- They cover children under 10 for no extra charge
- You can add extra services to your policy like dental, maternity care, physical therapy, family medicine, deductible expenses, and outpatient services
- They offer $100 in coverage for repatriation after an evacuation
- If you’re treated at a public hospital free of charge OR if your treatment is covered by another insurance, SafetyWing will give you a daily allowance of $125 per night for up to 30 nights
- They offer full value coverage for cancer treatment and reconstructive surgeries
- They have 24-hour customer service, 7 days a week
- They offer total COVID-19 coverage when recommended by your doctor
- Their website has a fun, playful design which is much easier to use than most of its competitors
Cons of digital nomad insurance with SafetyWing:
- The quote you see on the website doesn’t include all the fees (to see the final price, you’ll need to create a login)
- The plans that cover the United States, Singapore, and Hong Kong are much more expensive than those for the other countries
Looking for top-notch insurance with extensive coverage and excellent service? Consider GeoBlue as an ideal choice.
To simplify the insurance experience for their clients, GeoBlue offers personalized services with an array of coverage options and both short- and long-term plans.
Moreover, GeoBlue caters to a diverse range of customers, including missionaries, educators, students, yacht crews, immigrants, and digital nomads with tailored insurance plans.
Pros of digital nomad insurance with GeoBlue:
- They have 24-hour customer service, 7 days a week
- They have a wide range of options for plans
- They have plans that cover accidents from extreme sports
- They don’t charge deductible fees for standard services or cancellations, and have unlimited medical service
- They have plans designed exclusively for digital nomads, immigrants to the U.S., and Americans who live overseas
Cons of digital nomad insurance with GeoBlue:
- They don’t offer coverage for individuals who live in New York or Washington
Bonus #1 – Foyer Global Health
As one of the biggest insurance companies in Europe, Foyer holds a significant presence in the health insurance sector.
With numerous plan options, Foyer is an excellent choice for digital nomads seeking international travel insurance.
Pros of digital nomad insurance with Foyer Health:
- As with the other companies, you can customize Foyer plans based on your characteristics and medical necessities, such as age, country of origin, dental care, vaccines, maternity, young children, etc.
- You can also personalize your level of coverage for each of these elements from nothing to the maximum coverage
- You have the option of selecting an individual plan or a family plan with or without children
- Unlike many other companies, the process for getting a quote is very simple and you don’t need to give much info
- They have multiple options for deductibles
- They have short-term plans for those who don’t plan to spend a long time overseas
- You can easily compare plan prices and coverage to find the one that’s best for you
- They offer travel insurance for digital nomads anywhere in Europe (and the world)
Cons of digital nomad insurance with Foyer Health:
- As with the other companies, Foyer’s most basic plan doesn’t include maternity or newborn care
- Their customer service gets the job done, but isn’t as practical as the others on this list
- The website isn’t very clear about the coverage limits
- Although they have a lot of info about COVID-19 on their website, they don’t make it clear if their plan covers COVID treatments or not
- They charge a 5 euro fee for emergency support
- They don’t have health insurance for digital nomads in the United States (only medical help for emergencies)
Bonus #2 – Aetna (acquired by Allianz)
Apart from its affordable health solutions and high-quality services, Aetna has established itself in the insurance industry for over 50 years.
As one of the largest health insurance providers in the United States, Aetna offers reasonably priced international health insurance, which is beneficial for digital nomads.
Moreover, Aetna has a competent customer service team available 24/7 to assist their clients.
Pros of digital nomad insurance with Aetna:
- They have plans personalized for digital nomads based on your destinations and coverage needs
- They have 50 years of experience and offices in more than 15 countries
- They have 24-hour customer service
- They’ve been named the “Best International Private Health Insurance Provider” and “Health Insurer of the Year” by various magazines
- Most of their plans include coverage for hospitalization, cancer treatment, repatriation, and emergency evacuation
Cons of digital nomad insurance with Aetna:
- Their site doesn’t offer a lot of explanation about what’s actually included in their plans
Table comparison of the 7 best international medical insurance companies for digital nomads
To help you make the most of all the information I gave you above, here’s a table comparing all the companies I talked about. With the help of the table, hopefully you can have a better idea of which insurance company is right for you for your move overseas.
|Medical Maximum||Unlimited (for the Platinum plan)||$8,000,000||The site doesn’t specify||Unlimited||US$1,000,000 per year||The site doesn’t specify||Depending on the plan, can be up to $1 million|
|U.S. In-Network Coinsurance||You choose. From 70%(100% thereafter) to 100%||100%||No||60% for maximum coinsurance and then 100%||Yes, for higher fees||Only in emergencies||Yes|
|U.S. Out-of-Network Coinsurance||You choose. From 70%(100% thereafter) to 100%||90% to $5,000 (100% thereafter)||Yes, for higher fees||100%||100%||100%||100%|
|Mental Health Availability||No waiting period||12-month waiting period||Co-payment of $25 per visit, waived deductible||75% up to 40 visits / 60% after that||No||Waiting period of 10 months||Yes|
|Mental Health Benefit||Inpatient and Outpatient: $5,000 lifetime maximum to paid in full depending on the plan||Inpatient and Outpatient: $50,000 lifetime maximum||Co-payment of $250 after deductible||100% up to 60 days||International and ambulance: limit not specified||Inpatient, outpatient, and therapy: limit not specific|
|Inpatient Prescription Drugs||$500 to paid in full depending on the plan||Up to $8,000,000||Yes||Complete reimbursement||Yes||Yes|
|Outpatient Prescription Drugs||None, unless you buy the International Outpatient Option||Up to $8,000,000||Complete reimbursement||Yes||Yes|
|Evacuation and Repatriation of Remains||Paid in full||Up to $8,000,000||Yes||Up to $25,000||No||Up to 10,000 euros||Yes|
|Accidental Death & Dismemberment||Depends on the plan||Rider available, limit depends on age.||$50,000||It has limitations depending on the plan|
|Emergency Dental||Paid in full||Up to $8,000,000||Optional||1,000 per year, $ 200 per tooth||Yes, however you need to pay an extra fee on top of your plan||Depending on the plan, it’s unlimited||It has limitations depending on the plan|
|Treatment Necessary as Result of Terrorism||Up to the amount of the coverage||Rider available up to $50,000-lifetime maximum||Clause available up to maximum of $50,000 in lifetime payments||N/A|
|Amateur Sports||Unlimited||Rider available up to $10,000||No||Yes||No||No||N/A|
|Routine Nursery Care of a Newborn Child of a Covered Pregnancy||$25,000 to $156,000 depending on the plan||$1,000 additional deductible, $50,000 lifetime maximum, $200 wellness benefit for first 12 months||Yes||Depends on the plan||Can be unlimited depending on the plan||Depends on the plan|
|Children born as a result of fertility treatment (such as IVF or surrogacy)||Only after the baby is 90 days old||Excluded||Depends on the plan||Excluded||No||No|
|Neonatal Intensive Care Unit||Check website for updated information||$250,000 maximum for first 31 days||No||Up to $250,000 for the first 31 days||No||Depends on the plan (Bloom or Bloom Plus)|
|Pre-existing condition exclusion period||Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness||Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness||Conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered as any illness|
|Pre-existing condition look back period||Any time prior to effective date||Any time prior to plan effective date||Any time prior to plan effective date||Any time prior to plan effective date||Any time prior to plan effective date||Any time prior to plan effective date||Any time prior to plan effective date|
|Pre-existing annual maximum once covered||Unlimited depending on the plan||Up to $8,000,000||Unlimited depending on the plan||Unlimited depending on the plan||Full reimbursement||Unlimited depending on the plan||Unlimited depending on the plan|
|Pre-existing lifetime maximum once covered||Unlimited depending on the plan||Up to $8,000,000||Unlimited depending on the plan||Unlimited depending on the plan||Full reimbursement||Unlimited depending on the plan||Unlimited depending on the plan|
Worldwide Medical Insurance / Comparison Chart*
Part of the table courtesy of Tokio Marine HCC
*Note: this table is just for informational purposes and subject to change. It was accurate as of the time we wrote it here, but please check each company’s individual website for updated info.
Here are the 7 best (and cheapest!) international health insurance companies for digital nomads:
- Now Health
- Global Underwriters
Visas for Digital Nomads in Poland
Poland offers a digital nomad visa called “National Visa D” for citizens of non-EU countries who wish to work remotely in the country. Requirements include:
- Proof of remote work: Digital nomads must provide evidence that they have a stable source of income and that they are working remotely for a company outside Poland.
- Health insurance: Digital nomads must have a valid health insurance that covers the period of their stay in Poland.
- Financial funds: Digital nomads must prove that they have sufficient financial funds to cover expenses during their stay in the country.
- Travel documents: Digital nomads must have a valid passport and other necessary travel documents.
- Visa fees: Digital nomads must pay a visa fee, which can vary depending on the requested length of stay.
To apply for the national D visa for digital nomads in Poland, it is necessary to follow the following steps:
- Make sure you meet the requirements: Before starting the visa application process, it’s important to make sure you meet all the requirements, including proof of sufficient income, valid health insurance, and more.
- Schedule an interview: The next step is to schedule an interview at the Polish embassy or consulate in your country of origin or residence. You can schedule the interview online or over the phone.
- Fill in the application form: After scheduling the interview, you will need to complete the visa application form. The form can be found on the website of the Polish embassy or consulate.
- Gather the necessary documents: It is important to gather all the necessary documents for applying for a visa, such as a valid passport, recent photo, proof of accommodation in Poland, proof of income, among others.
- Pay the visa fee: The next step is to pay the visa fee, which may vary depending on the duration of the visa and the country you are applying for.
- Wait for the decision: After submitting the visa application and all the necessary documents, you will need to wait for the decision from the Polish embassy or consulate. Processing time can vary, but typically takes a few weeks.
- Pick up the visa: If the visa is approved, you will need to pick it up in person at the Polish embassy or consulate. Make sure you bring your passport and all the documents you need to apply for a visa.
In addition, digital nomads may also need to undergo an interview at the Polish consulate in their country of origin or residence. It is important to check in advance for any additional requirements and visa processing times, as well as obtain up-to-date information before applying for a visa.
Did you like the article? You should now have a clear idea of how to find the right health insurance to make the most of the benefits of being a digital nomad.
Remember to carefully evaluate all options before making a decision and always have health insurance before embarking on an international journey.
If you still have questions about international health insurance, the digital nomad lifestyle, or living abroad in general, leave your questions in the comments. I will do my best to answer them and help you find the right answers! To the next!
Planning your next trip?