International Health Insurance for Digital Nomads
Expatriate Group has the expertise needed to ensure you have the necessary, quality healthcare while you work abroad, with years of experience supporting our customers living and working overseas.
Work Abroad
Digital nomad health insurance
With so many countries now offering digital nomad visas, it’s never been easier to move abroad and work remotely, giving you the chance to submerse yourself in a new culture while you work.
If you’re moving abroad to work as a digital nomad, you don’t want to have to worry about accessing healthcare. Digital nomad health insurance from Expatriate Group will ensure you’re instantly covered for your routine healthcare and emergency medical needs, with comprehensive and flexible cover.
Work Abroad
Digital nomad health insurance
What is digital nomad health insurance?
Digital nomad health insurance provides healthcare cover for those working abroad. Expatriate Group provides digital nomads with access to private healthcare, with a range of benefits and additional features.
We can help you find the right healthcare solution while you work remotely abroad, with instant cover and 24/7 support for your routine and emergency medical requirements.
What is digital nomad health insurance?
Do I need health insurance for digital nomads?
Many countries offer digital nomad visas, which allow an individual to move to the country to work remotely. A common feature of these visas is that the individual will need to provide proof of international health insurance to qualify.
In many countries that provide universal healthcare, the service user will need to pay tax to be able to access services. Often, digital nomads do not qualify for public healthcare, as their employer is based abroad.
Even in countries that offer digital nomads universal healthcare, you will probably find health insurance is of benefit. Public healthcare in a lot of countries will mean long wait times for treatment, and in some the quality of healthcare is below average.
Do I need health insurance for digital nomads?
Why choose us
Why choose Expatriate Group for your digital nomad health insurance?
Expatriate Group’s health insurance for digital nomads can give you peace of mind that you’ll always be able to access quality healthcare quickly. It can also help you qualify for digital nomad visas where health insurance is a requirement.
Our helpline is open 24/7, 365 days a year, so you’ll always be able to access the treatment you need, even in an emergency. You can contact us via phone, email, or our online chat service, whichever is most convenient for you.
We can provide multilingual support, so you don’t have to worry about communicating with healthcare professionals in a language you’re not fluent in. We can also often help you find a healthcare professional who speaks your language, making you feel more at ease.
With Expatriate Group, you’ll have the flexibility to get your treatment at a facility that’s convenient for you, so you can pick whichever hospital, clinic, or GP that you prefer.
Why choose us
Why choose Expatriate Group for your digital nomad health insurance?
Policy Benefits
Benefits of health insurance for Digital Nomads
Expatriate Group’s health insurance for digital nomads has been designed to cover all sorts of healthcare needs, from routine treatments to unexpected occurrences. Our priority is ensuring you get the healthcare you need, when you need it, whether it’s treatment for a broken bone, medicine for an illness, or maternity care when you grow your family.
Below are just some of the benefits of our digital nomad health insurance:
Emergency
medical transportation
Ensuring you reach the nearest appropriate medical facility
Emergency
dental treatment
Included on all our insurance plans, with routine care included on the Select plan
Compassionate
travel
Contribution to travel costs so a family member can be with you if you have to stay in hospital
GP consultations
Consultation fees are included as standard across all our plans, including outpatient surgeries
Diagnostic
tests
Including MRIs and CAT scans
Maternity
care
Including home delivery and caesarean (on our Select plan, after you have been covered for 12 months)
Insurance plans
What’s the best health insurance for digital nomads?
Expatriate Group is an expert in international healthcare, having provided cover for our customers since 1997. We have four different health insurance plans for digital nomads, offering a range of care and features, so you can find the right solution for your medical needs.
Select
- Comprehensive plan
- Maternity care
- Dental care
- Optical care
Primary+
- Hospital care
- Outpatient care
- Emergency dental
- Diagnostic tests
Primary+ Lite
- Hospital care
- Prescribed medicine
- Emergency transportations
- Emergency dental treatment
Primary
- Hospital treatment
- Doctor and specialist fees
- Outpatient surgeries
- Prescriptions and drugs
Policy Benefits
The Benefit Schedule
Below is a summary of the benefits included in each of the four international healthcare insurance plans. For more information get in touch with Expatriate Group today.
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| Income Replacement | ||||
| Accidental Death and Permanent Total Disability† | $/€/£100,000 | |||
| † For Terms and Conditions see separate PAI Policy Wording | ||||
| Hospital Benefits | ||||
| Annual Aggregate Maximum | $/€/£5,000,000 | $/€/£1,500,000 | €/£/$1,000,000 | $/€/£1,000,000 |
| Private Hospital Bed |  |
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| Surgeries, Anaesthetists’ fees, Operating Theatre, Specialist, Physician and Nursing Fees, Intensive Care. | |
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| Prescribed Medicine and Drugs | |
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| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Oncology/Cancer Treatment | |
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| Psychiatric | 30 days | 30 days | 30 days | 30 days |
| Home Nursing (following hospitalisation) | 30 days | 30 days | 30 days | 30 days |
| Hospital Cash Benefit | $/€/£150 per night | $/€/£100 per night | $/€/£100 per night | $/€/£75 per night |
| Rehabilitation (following hospitalisation) | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 | $/€/£2,000 |
| Parent Accommodation | |
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| Second Opinion for Surgery | |
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| Organ Transplant | $/€/£300,000 | $/€/£150,000 | $/€/£150,000 | $/€/£100,000 |
| Outpatient & GP Benefits | ||||
| Family doctor, GP, Specialist and Physician consultations fees; including outpatient surgeries | |
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| Prescribed Medicine and Drugs | |
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Outpatient benefits capped at €/£/$1000 | for pre-hospitalisation and then for 60 days following a valid hospitalisation |
| Diagnostic Tests and Procedures (including MRI, CAT, PET) | |
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| Physiotherapy & Alternative Medicine | 20 sessions | 10 sessions | 10 sessions | |
| Management of Chronic Conditions | $/€/£100,000 | $/€/£20,000 | ||
| Oncology/Cancer Treatment | |
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| Psychiatric | 10 sessions/$/€/£3,000 | 10 sessions/$/€/£3,000 | ||
| Assistance Services & Special Benefits | ||||
| Emergency Medical Transportation | |
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| Local Ambulance | |
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| Expenses for accompanying Dependent | ||||
| Travel | |
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| Accommodation & Subsistence | $/€/£150 per day | $/€/£100 per day | $/€/£100 per day | $/€/£75 per day |
| Repatriation of Mortal Remains | $/€/£10,000 | $/€/£5,000 | $/€/£5,000 | $/€/£5,000 |
| Compassionate Travel | |
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| Family Compassionate Travel | $/€/£250 | $/€/£250 | $/€/£250 | $/€/£250 |
| Terminal & Palliative Care | $/€/£30,000 | $/€/£20,000 | $/€/£20,000 | $/€/£15,000 |
| HIV, AIDS & ARCS | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | $/€/£50,000 (lifetime) | |
| Maternity Care | ||||
| Complications of Pregnancy | 100% | $/€/£5,000 | $/€/£5,000 | |
| Normal Delivery | $/€/£7,500* | |||
| Elective Caesarean Operation | $/€/£7,500* | |||
| Non-elective Caesarean Operation | $/€/£7,500* | |||
| Home Delivery | $/€/£7,500* | |||
| Home Nursing following Home Delivery | 5 days* | |||
| New Born Care | $/€/£25,000* | |||
| * = Excludes costs incurred in first 12 months | ||||
| Dental Care | ||||
| Accidental Emergency Dental Treatment | |
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| Routine Dental Treatment | $/€/£750 | |||
| Basic Restorative Dental Treatment | $/€/£750 | |||
| Major Restorative Dental Treatment | $/€/£1,000 | |||
| Dental benefits (except Accidental) are subject to a 20% co-pay | ||||
| Optical Care | ||||
| Examinations & Lenses (inc. contact lenses) | $/€/£150 | |||
| Preventative Care | ||||
| Annual Medical Check-up | $/€/£ 300 | $/€/£ 250 | ||
| Travel Vaccinations | |
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| Cervical Smears | |
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| Mammograms | |
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| Prostate Cancer Screening | |
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| = 100% refund to policy annual maximum aggregate, * = Excludes costs incurred in first 12 months |
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