Health is wealth, especially when you’re constantly moving across countries. The last thing you want while in a new place is to come down with an illness and have to pay high hospital bills, which is why health insurance is a must-have for every digital nomad.

With the right health insurance, you’re protected against accidents and sudden illnesses and can access doctor appointments, dental care and surgery coverage. Some plans also include mental health counselling as well.

In this article, we’ll explore top health insurance options for digital nomads in Europe and Asia. But first, let’s go over some key factors to consider when choosing your health coverage.

What to consider when choosing health insurance for digital nomads

1. Coverage area: Make sure the insurance covers the countries or regions you plan to visit. Some digital health insurance policies have geographical restrictions, may not offer coverage to your home country, or could charge an extra fee for coverage in certain areas.
2. Telemedicine services: As a digital nomad, convenience is vital while travelling. Look for health insurance options that offer virtual consultations with a customer team that’s always available regardless of your location and timezone.
3. Cost: Cost is a crucial factor to consider before signing up for a health insurance plan. Take the time to consider your budget and the policy’s monthly payments, deductibles, and any extra costs like co-pays. Make sure to check what the coverage includes to ensure it is worth the price.
4. Medical coverage: Check the health insurance coverage carefully to ensure it covers the specific treatments you may need. Look for plans that include emergency care such as hospital stays, surgeries, ambulance services and prescription medications. This way, you have the necessary support when you need it the most.

Now that you know what to look for, here are some of the best health insurance options for digital nomads:

Top health insurance plans for digital nomads in Europe and Asia

At a glance:

SafetyWing:

Launched in 2018, SafetyWing is one of the first insurance companies to offer tailored plans for digital nomads. Starting at $56.28 per month, it offers global health and home country coverage for treatment, including ambulance services, prescriptions, hospital stays and tests like MRIs, plus 24/7 customer support. However, it does not cover pre-existing conditions or cancer treatments.

What makes SafetyWing popular with digital nomads is its flexibility—you can start, pause, and cancel your coverage anytime, which is great for nomads  unsure how long they’ll stay in one place.

SafetyWing also offers travel insurance that covers lost luggage, injuries from leisure sports, and meals and lodging for travel delays over 12 hours, ensuring digital nomads are always protected wherever they are.

International Medical Group (IMG):

IMG is a well-known health and travel insurance provider for digital nomads and travellers. It offers global coverage in over 190 countries and customisable plans tailored to individual needs.

IMG’s health coverage includes outpatient services, hospital transport, preventive services, dental and vision care, and pre-existing conditions for digital nomads and travellers 74 years of age and younger.

Genki:

Genki is another health insurance company that caters to digital nomads. It provides worldwide health coverage in up to 180 countries, including your home country (for up to six weeks).

Genki’s coverage plans are subscription-based, giving digital nomads the flexibility to cancel or adjust their coverage when necessary. The coverage costs €48.30 and €180 per month. It offers digital nomads access to various services, including emergency care, ambulance services, dental care and cleaning, vaccines, and maternal care at licensed healthcare providers.

Genki also offers mental health coverage and round-the-clock, multilingual customer support so you can always quickly access help.

Insured Nomads

Insured Nomads offers health and travel insurance for digital nomads and remote workers. With global health coverage, digital nomads can get medical care anywhere in the world, including emergency care, routine check-ups, preventative services and maternity care.

Digital nomads can also access tele-heath services for virtual consultations and mental health support. Plus, the plans include extra perks like airport lounge access for delayed flights and evacuation services, making it a convenient option for nomads on the go.

Insured Nomads offers flexible health coverage plans with customisable options for both short and long-term stays. As a Grey user, you can enjoy a 10% discount on all travel and health insurance plans by using the code “Grey10” at checkout.

With Grey and Insured Nomads, you can travel anywhere without worries while easily managing your finances.