Nomad Health Review: Is It Good Insurance for Remote Workers?

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.

Nomad Health Review cover picture

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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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.

nomad health logo
Nomad Health is a new insurance product offered by Safety Wings

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 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$133 per month (US$1596/year) for ages 18-39. And it increases to US$569 per month (US$6828/year) 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 minute.

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Plans

There are two plans available: the standard plan and the premium plan.

Both plans offer the same coverage for basic coverage such as annual limits, hospitalization, emergency evacuation, or emergency dental coverage.

The main difference is that the premium plan gives you additional coverage on:

  • US$1,500 on dental coverage
  • US$500 on vision coverage
  • US$500 on screenings and vaccines coverage
  • Maternity coverage limit is increased to US$4,500. But there’s still 20% copay and 10 months waiting period.
  • There’s no more copay on outpatient coverage anymore.

The premium plan is around 55% more expensive than the standard plan.

Plan Comparison Table

Here’s a comparison table between the standard plan and the premium plan by Nomad Health.

PlanStandardPremium
Annual LimitUS$1,500,000US$1,500,000
Age LimitUpto 74 yearsUpto 74 years
Hospitalization (private room)100%100%
ICU100%100%
Emergency room100%100%
Surgery100%100%
Prescription Medication100%100%
X-rays, Scans, and Test100%100%
Organ Transplant100%100%
Cancer Test and Treatment100%100%
Emergency Dental Coverage100%100%
Nurse Care at Home100% (max 60 days)100% (max 60 days)
Emergency Ground Ambulance100%100%
Evacuation and RepatriationUS$100,000US$100,000
Congenital DisordersUS$25,000US$25,000
HIV TreatmentUS$50,000US$50,000
Rehabilitation TreatmentsUS$500,000 (max 30 days)US$500,000 (max 30 days)
MaternityUS$2,500 with 20% co-insuranceUS$4,500 with 20% co-insurance
Newborn CoverageUS$50,000US$50,000
Outpatient CoverageUS$5,000 with 10% co-insuranceUS$5,000
Screenings and VaccinesUS$350US$500
Dental CoverageUS$1,500
Vision CoverageUS$500
Price
Age 0-17US$82 per monthUS$130 per month
Age 18-39US$133 per monthUS$208 per month
Age 40-49US$199 per monthUS$315 per month
Age 50-59US$309 per monthUS$488 per month
Age 60-74US$569 per monthUS$894 per month
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Standard or Premium Plan? 

In our opinion, additional coverage from the premium plan isn’t worth the upgrade.

Unless you need a routine checkup on health, vision, and dental, a standard plan is sufficient.

The only exception is if you plan to have a baby and want to get increasing maternity coverage.

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.
  • 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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Saran Lhawpongwad is a Bangkokian by birth. He loves to share what he learns based on his insights living and running business in Thailand. While not at his desk, he likes to be outdoors exploring the world with his family. You can connect with him on his LinkedIn.

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