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Health Insurance for Europeans?


by @patrickheneise | 3yr  | 4 comments

Hi there, Iโ€™m currently looking at Allianz Global and IM Global as a health insurance for long-term travel in Asia. Any experiences with those two or are there better options for European residents?

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@mustarda | 3yr

Yes, so as far as I know Allianz and IM Global are insurance alternatives for local health systems, While World Nomads will work on top of local health including transferring you back home.

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@patrickheneise | 3yr

Great, thanks!

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@mustarda | 3yr

Hi Patrick! Are those full health coverage? meaning they will substitute local health systems? I say this because Iโ€™ve registered with World Nomads for example, which is quite common among travelers too.

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@patrickheneise | 3yr

Hey, thanks! I was about to purchase the World Nomads insurance, but they say before you buy: โ€œI understand, this policy is to be used for travel purposes and is not a substitute for international private medical insuranceโ€. Most of the important things are covered by Allianz or IM Global, so Iโ€™m wondering why I should pay international private health and travel insurance.

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Read and participate in 13,969 discussions on Nomad List

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What is the best online insurance for digital nomads ?


by @berberos | 2d 1 day ago | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Does international health insurance for digital nomads exist?

 

by @al_steffen | 4mo 4 months ago | 59 comments

Hey Nomads!

Iโ€™m looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโ€™s ok if itโ€™s not accepted in the US as Iโ€™m aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?

Thanks in advance!

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How is the health and safety in Bali right now amid the global crisis?


by @valentineworld | 5mo 4 months ago | 1 comment

I would like to avoid having to come right back home, ya know? <3

I plan to be in Bali a lot, but if this is a terrible time to go,
it could stunt my future plans of being in Bali for an extended period of time.

Would love to see you guys! <3

@valentineworld

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Where can I get travel insurance for "any reason"?


by @tomheartstacos | 8mo 7 months ago | 0 comments

Hi,
Iโ€™m looking for travel insurance that I can use for work. Iโ€™m in the US now, but am moving to Portugal. Iโ€™m looking for travel insurance that I can buy to recover travel costs if my plans change for any reason. World Nomad looks good, but they donโ€™t have the โ€˜Any Reasonโ€™ part. I found a helpful article on The Points Guy site, but for all the policies there, you have to be a US resident and I wouldnโ€™t be then.
Any suggestions?

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What are wise ways to handle health insurance, as a USA person


by @azurio | 12mo 11 months ago | 1 comment

Hi! Iโ€™m still struggling to figure out how to handle health insurance.

What handy guides have you found to help figure out USA health care?

Iโ€™m struggling with:

  • When itโ€™s okay/wise to go without coverage while abroad, these days.
  • What other type of insurance I want while traveling, and whether it needs to be a supplement to USA insurance or if it can be a replacement.
  • Etc.

Above all, I think I want out. I wonder about success stories in moving to some other system/location, and the method youโ€™d recommend: additional citizenship, a special visa, etc.

I have searched this topic and struggled with it, so summaries and clarity are super helpful. I appreciate any and all help with this. Thanks so much!

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Anybody recommend US health insurance with global coverage?


by @tylertringas | 1yr 1 year ago | 18 comments

Any US nomads found health insurance with global coverage? My current approach has been to have US health insurance, essentially a waste of money but if I ever got very sick I could go home and have coverage. My actual healthcare is a combination of travel insurance (havenโ€™t really used it much though) and paying cash in cheap places like SE Asia and Latin America. The cobbled together approach is neither simple nor very cost-effective. Love to find a product with global coverage that also satisfies Obamacare requirements. Any leads?

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Any insurance covers pregnancy with a good price?


by @yuko | 2yr 2 years ago | 0 comments

I will go on a working holiday to Berlin from this October.
Maybe I will fly to Romania, Poland, Hungary or Portugal after spending several months in Germany, if my budget will get tighter.

Iโ€™m considering Safetywing/.com for my insurance because it covers anywhere in the world with a good price. The problem is, German embassy requires females to sign an insurance covers medical cost for pregnancy for a working holiday visa.

People in my country write about Care College from Care Concept (care-concept/.de) , but I think itโ€™s valid only when youโ€™re in Germany.

I wonder if thereโ€™s any an add-on (free-plan) insurance for pregnancy.
Alternatively, an equivalent insurance with support of pregnancy, and same price range as Safetywing/.com.

Thank you!

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International health insurance without having a permanent residence?

 

by @fabyliechti | 3yr 2 years ago | 30 comments

Hey Nomads!

Iโ€™m a Swiss Citizen but full time traveler (living a few month there and there) and therefore donโ€™t have a permanent residence/home anywhere in the world.

For this reason, Iโ€™m as well not registered in Switzerland and therefore donโ€™t have medical care since I would have to pay at least 200$ monthly for medical care which I wonโ€™t use since Iโ€™m not living there.

As a in Switzerland unregistered Swiss Citizen I donโ€™t have medical care in Switzerland but, however based on Swiss Law Iโ€™m always allowed to return to Switzerland, register and then get medical coverage (f.e. in a medical emergency).

So now I was looking for both, an international health insurance with good coverage and an additional travel insurance for my trips. Unfortunately every insurance I check, I got asked for a permanent residence - which I donโ€™t have and donโ€™t want to. So I donโ€™t know what to fill out and if I still can get insurance without having a permanent residence.

I was wondering if there are any nomads here with a similar situation like me and (not registered anywhere and without a permanent residence)? If so, what health insurance, travel insurance you have and where?

PS. As well Iโ€™m not sure if it is kind of illegal not having a permanent residence anywhere plus where do I have to pay taxes?

Would be extremely grateful for any help on those matters - thanks so much!

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How do you take care of your mental health during the transition to a digital nomad lifestyle?


by @kalitherapy | 3yr 3 years ago | 8 comments

Iโ€™m a professional psychotherapist who is starting out in this lifestyle and Iโ€™m curious to hear what specific psychological struggles people had to overcome while making the transition to life as a DM. Also, what do you do to stay mentally healthy while traveling to foreign lands. Iโ€™m interested in hearing any insights people may have, especially since I am working on a book on psychological resilience and I canโ€™t think of a more stressful transition than moving from a static to a nomadic lifestyle. If youโ€™re not comfortable putting your experiences on a public forum, feel free to PM me.

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Health Insurance with a preexisting condition: how do you insure yourself?


by @dpt | 4yr 3 years ago | 0 comments

Iโ€™m wondering how Digital Nomads with pre-existing conditions insure themselves.

Iโ€™m German and most of the German DNs I know keep their primary residence in Germany and go with private health insurance (~150-250โ‚ฌ/month) + travel insurance (<50โ‚ฌ/month). Sadly thatโ€™s not possible for people with pre-existing conditions; those (at least in Germany) are required to voluntarily insure themselves with the governmental healthcare providers at 15.7% of pretax revenue (min. ~350/month, max. ~850โ‚ฌ/month).
Probably most other European states work in similar fashion?

The last few years I have gotten along by tricking a little (staying registered as a student), but Iโ€™m soon hitting the age limit where thatโ€™s not possible anymore and am now looking at either incorporating and paying myself a fixed salary or getting a residency in another European country with a (for self-employed people) more accessible public health system (my main focus is on Portugalโ€™s NHR regime).

Does anyone else here have/had a similar problem? I wonder how others have solved this issue.

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Anybody knows of good online banks for Europeans?


by @kfk | 4yr 3 years ago | 6 comments

Ok, I was just writing a PM here on banks and the question popped in my head. I am not a digital nomad, but I am very close to that way of living, in the sense that I donโ€™t want to commit to any specific physical location, long term investment (maybe only private pension), long term in general actually.

Now, I use Deutsche Bank. Nothing against them, but:

  • I hate to have an account manager that calls me telling me I should invest my money
  • The online banking is good but not great
  • Services are ok, but I donโ€™t use most of them and the one I would like (online everything please) are not there

So, I was wondering if any of you is happy with any of the digital banks out there? Criteria for a good online bank:

  • minimal paperwork
  • no account manager
  • 90% async communication (I call them, they call me only if the house is on fire)
  • they donโ€™t request a physical address and they DO NOT SEND PAPER STUFF to my mailbox

Anything like this?

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Permanent Worldwide Health Insurance with no reimbursement policy


by @senseless | 4yr 3 years ago | 3 comments

Hello,

Iโ€™ve been living outside the USA (my original home) for the last 10 years. I only go back occasionally to see family for a short period of time. Iโ€™m looking for a health insurance provider that is willing to provide global coverage (USA excluded) with no reimbursement policy that will also cover preexisting conditions.

In the philippines, they will let us die if we canโ€™t work out a payment arrangement (or at minimum pay a deposit). If the bank is closed and I canโ€™t get the money for the deposit, we die.

My current provider (here in the philippines) is blue cross philippines . Iโ€™ve grown tired of their incompetence and general ineptitude and am searching for a replacement outside of the philippines.

There is one thing I really like about our health insurance provider. They provide us with a visa card for which we use to charge all of our necessary medical expenses. Itโ€™s not a โ€˜health care credit cardโ€™ but our actual โ€˜proof of insurance cardโ€™. The card is issued from our health insurance provider and has all of their markings / logo / information on it as well as a 16 digit visa number, magnetic stripe and visa logo on the card.

Does anyone know of a health insurance company that will direct settle by giving the insured a visa / master / amex / etc card to charge their related medical expenses to?

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Who provides the best indemnity insurance for New Zealanders contracting to Canada?


in New Zealand by @panoramica | 4yr 4 years ago | 4 comments

I have been sent a short term contract to do a remote trial for a Canadian company. I am pretty new to the contracting game and in the past Iโ€™ve only contracted locally in New Zealand and the most I ever signed was an NDA.

Iโ€™m pretty wary of the North American legal system, where people make a living off suing or encouraging people to sue. I hope this will never be the case for me, but I want to be smart and cover myself.

Who are the top local or international insurance companies offering affordable packages for NZ contractors working for NZ and international companies?

Thanks,
Dan

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How are your experiences with World Nomads travel insurance?


by @trippydad | 4yr 4 years ago | 7 comments

Iโ€™m on a RTW trip with my family for a year. Weโ€™re in a new country every few weeks or so. World Nomads seems to be the most popular company but they have horrendous reviews regarding payment of claims. Iโ€™d love to hear of other options people have experience with - or if youโ€™ve had a positive outcome with World Nomads. Thanks all.

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Is WorldNomads enough or do I need additional insurance as a US citizen?


by @stefanlesser | 4yr 4 years ago | 9 comments

Iโ€™m planning to leave the US in May, travel for at least a year, maybe longer, and it is unclear, if Iโ€™m going back to the US at all, except for brief visits.

Looking at WorldNomads I seem to be covered for pretty much anything bad that could happen. But what happens, if I have to be transported back to US? If I understand correctly, WorldNomads is out at that point and Iโ€™m left with whatever insurance I have there.

How do you deal with this?

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Do I need to have health care insurance as a US citizen when I'm away?


by @ericvan | 5yr 4 years ago | 5 comments

I support ObamaCare, but I donโ€™t understand about the requirement that USA citizens must now have health insurance. I just got a new plan, and they donโ€™t support any medical needs when Iโ€™m out of the country! So, if working abroad 6 months of year, how do I NOT pay insurance for those months and NOT get a tax penalty? FYI, Iโ€™ll be in a pretty high tax bracket in 2016.

Thanks!

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How can I stay healthy as a digital nomad?


by @nomadaccountant | 5yr 4 years ago | 16 comments

Please share your tips for keeping healthy while travelling. My 2 favourites, that have helped my out numerous times are:

  1. Probiotics to avoid stomach complaints (yakult, yoghurt, kimchi, etc)
  2. Red/raspberry fanta to settle stomach issues. May not work all the time but a couple of bottles of red fanta early on has not failed in settling my stomach.
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Any digital nomad working in biotech, e-health?


by @chase | 5yr 5 years ago | 0 comments

Hi there, anyone working as a nomad in the biotech / e-health / digital health field?
Would be interested in your story and how you are earning money.

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What's the best accommodation in Koh Phangan? And can I live healthy there?


by @brendan_brown | 6yr 5 years ago | 5 comments

Hey everyone,

I am brand new to this forum, so apologies if this topic has been covered elsewhere. I will be in Koh Phangan from 10 February to 9 March 2015 (1 month). I have a few questions for past or present KP nomads:

  1. Whatโ€™s the accommodation situation like and the best way to find it? Iโ€™d prefer a studio/one bedroom apartment, but happy with a Bungalow too, and would consider sharing a house with cool people. Iโ€™m not too precious but do need air conditioning and quiet (not a party person and I value my sleep very much). Preferably nearish to Cocohut Resort, as my friend will be staying there for a week, but this isnโ€™t essential. Budget flexible but letโ€™s nominate 15,000 baht to put a figure on it.

  2. Iโ€™m a reformed fatty and besides working on my computer, healthy living is my biggest priority for the month. Is there a gym anyone would recommend? Just need lots of free weights and some space. What about outdoor activities, like mountain running or beach bootcamp torture? Up for anything. Also healthy eating? Iโ€™m not too fussy with food, and just try to stick primarily to lean meats, vegetables/salad and fruit.

  3. From my limited research into the island, Koh Space seems like the place to work from, although this might depend on its location to my accommodation. I require a reliable but not particularly speedy internet connection, coffee and comfortable seating. Where do people work from?

  4. Iโ€™m involved in the glamorous industry of editing and proofreading, mainly academic and book. Would love to connect with editors and writers, especially those looking for casual work, as I may be able to offer some value.

  5. Looking forward to meeting people in general and having a productive, healthy and awesome month!

Cheers,
Brendan

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What's the best laptop insurance for European nomads?


by @conorcussell | 6yr 5 years ago | 4 comments

Iโ€™m taking the plunge and leaving London to travel around Europe and work for the next year or so.

Totally struggling to find any long term insurance for my Macbook Pro, do any europeans have any tips on where I should be looking? All the travel/gadget insurance i can find has a maximum of 90 day limit for being outside the country the insurance is bought in.

Any help appreciated!

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