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Nomad Health is international health insurance provided by Safety Wings, a leading insurance provider with products specifically for digital nomads and remote workers all around the world.
Key Takeaways
- Nomad Health is international health insurance specifically designed for digital nomads and remote workers.
- It has an annual limit of US$1,500,000 and basically covers all popular digital nomad countries in the world.
- Hospitalization (in a private room), scans, medications, and much more are covered in full.
- Cancer and emergency dental treatment are covered within the plan.
- Prices start at US$133 per month for those who are younger than 39 years old.
- Overall, it’s a comprehensive plan for digital nomads and remote workers who want a good health insurance plan no matter where they are in the world.
- However, if you want coverage in the US or expensive countries like Switzerland, you should check out other options.
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Contents
Coverage Summary
- Annual limit of US$1.5 million
- Worldwide international coverage for more than 175 countries
- Cancer coverage
- Emergency dental coverage
- US$100,000 on evacuation and repatriation
- US$5,000 outpatient coverage with 10% copay
- US$2,000 maternity coverage with 20% copay. 10 months waiting period.
Let’s take a look at it in more detail.
Why Should You Get It?
Nomad Health is designed specifically for digital nomads and remote workers.
Extensive Coverage
It provides all coverage you need from an international health insurance plan, including hospitalization, outpatient coverage, cancer coverage, emergency dental coverage, and reconstructive surgery after an accident or illness.
In addition, it covers more than 175 countries, including Thailand, Mexico, Panama, Japan, Costa Rica, Germany, Indonesia, and much more. Based on what we have seen so far, Nomad Health covers all countries popular among digital nomads and expats.
It even includes China and Switzerland, which cannot be found in many other international plans out there.
The main three countries that it only comes with limited short trip coverage for up to 30 days are Singapore, Hong Kong, and the United States.
Another great thing is that it also covers your country of residence.
With the great number in the country of coverage, you can buy this plan and know that you are fully insured, no matter where you are in the world.
The only popular nomad country we found so far that Nomad Health doesn’t include is Russia.
Claim
It’s easy to use Nomad Health. You can visit any doctor or hospital of your choice and make a claim in two ways:
You can contact Nomad Health in advance and they can arrange a direct payment to the hospital directly.
You can make a claim only by uploading a receipt and medical certificate after getting treatment. Once your claim is approved, you will get your money back directly to your bank account within 7 to 15 business days.
Please note that you should request a claim within 180 days after treatment.
Price
While the site shows the price per month, there’s a minimum 12-month contract, which is similar to other health insurance providers.
The price starts at US$161.5 per month for ages 18-39. And it increases to US$632.5 per month for those who are 60-74 years old.
With this price, it’s not the cheapest plan on the market. But it’s also not the highest.
In our opinion, it’s very competitive based on the coverage and convenience you get from this plan.
Support
Since the product is designed specifically for remote workers and digital nomads throughout the world, they have a dedicated support team that’s available 24/7.
You can contact them anytime of the day, no matter where you are in the world, and get a reply from their human support team within a few minutes.
Plans and Coverage
What makes the Nomad Health plan different from other expat health insurance plans is that it combines health insurance with travel insurance, including coverage for travel-related issues, baggage delay, and more.
Here’s a list of what’s covered by Nomad Health:
| Benefit | Coverage |
|---|---|
| Annual Limit | US$1,500,000 |
| Medical Treatment & Hospitalization | Included (hospital stays, nursing care, ambulance, diagnostics, extended care) |
| Emergency Dental | Up to US$1,000 |
| Evacuation & Repatriation | US$100,000 lifetime max |
| Doctor & Specialist Visits (Outpatient) | Included within US$5,000 outpatient limit |
| Outpatient Limit | US$5,000 |
| Wellness Therapies | US$60 per visit (within outpatient limit) |
| Mental Health (Psychologist/Psychiatrist) | 10 visits per year (within outpatient limit) |
| Screenings & Vaccines | US$350 |
| Cancer Tests & Treatment | Up to US$1,500,000 |
| Maternity | US$2,500 (10-month waiting period) |
| Injuries from Leisure Sports | US$250,000 max |
| Motor Accidents | Up to US$1,500,000 (if licensed and not intoxicated) |
| Emergency Evacuation (Unrest) | US$10,000 lifetime max |
| Repatriation of Remains | US$100,000 |
| Lost Checked Luggage | US$500 per item (US$3,000 max per policy) |
| Stolen Belongings | US$5,000 |
| Trip Interruption | US$5,000 (family death) |
| Trip Cancellation | US$300 per trip (US$600 per year) |
| Travel Delay | US$60 after 3 hours, then US$150/day (max 3 days) |
| Price (Age 0–17) | US$106.5 per month |
| Price (Age 18–39) | US$161.5 per month |
| Price (Age 40–49) | US$232.5 per month |
| Price (Age 50–59) | US$351.5 per month |
| Price (Age 60–64) | US$632.5 per month |
Disadvantage
No health insurance plan is perfect. Let’s take a look at the main disadvantage of Nomad Health.
- The annual limit is at US$1.5 million. While it’s enough in most countries in the world, you may want more coverage limit if you live in a country with expensive healthcare costs like Switzerland.
- There’s a limit on evacuation coverage at US$100,000. And it’s lifetime too. This means if you use it once, you need to find a new insurance plan.
- There is no copay or deductible option.
- US coverage is limited. You also cannot get home coverage if you are a US citizen. So, if you need US coverage, Cigna Global is a better alternative.
- Similar to other health insurance plans, pre-existing condition is not covered
Should I Get It?
Compared with other health insurance plans, Nomad Health is a good international health insurance plan for digital nomads and remote workers.
It’s affordable and comes with all coverage you need as a digital nomad or remote worker.
While the annual coverage limit is limited at US$1,500,000, it’s sufficient for most countries in the world.
With it, you can have health coverage no matter where you go in the world.
To sign up or find out more information, visit the Nomad Health official website.
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