Beste Krankenversicherung für digitale Nomaden (2026)

Frequently asked

What is the difference between travel insurance and nomad health insurance?

Travel insurance covers short trips, emergencies and trip cancellations. Nomad/international health insurance is built for long stays and ongoing care — you can use it like real health insurance abroad, not just for emergencies.

What do digital-nomad visas actually require?

Most digital-nomad visas require travel insurance with at least €30,000-€40,000 of medical cover, often valid for the full duration of the stay. SafetyWing and similar nomad-targeted insurers tend to meet these requirements explicitly.

How much should nomad insurance cost?

Basic nomad cover runs roughly $45-90/month for younger travellers, scaling with age and country list. Premium international health (closer to a real plan) starts around $150/month. Both beat paying out of pocket for one hospitalisation.

Can I cancel or pause month to month?

Many nomad-specific insurers let you sign up and cancel monthly, which fits unpredictable plans far better than annual policies. Read the terms — some have minimum durations or limits on returning home.

Does nomad insurance cover pre-existing conditions?

Usually not, or only partially after a waiting period. If you have meaningful pre-existing conditions, talk to an international health broker before assuming a $50/month plan will cover you the way home insurance did.