โœ‹
Sorry, your browser does not support the technologies needed to use our web interface.

Please make sure you have the latest version, and that JavaScript is enabled.
Remote Jobs  Nomad Insurance Chat Meetups New Forum Advertise FAQ Dating Members Hire Remotely 
  Homepageโš™๏ธ  Settings๐ŸŒ—  Toggle dark mode โค๏ธ  Your saved places
๐Ÿœ  Explore๐Ÿก  Cities๐Ÿ‡ณ๐Ÿ‡ฑ  Countries๐ŸŒ  Continents๐ŸŽซ  Community๐Ÿธ  Meetups๐Ÿ‘‹  Dating๐Ÿ’ฌ Chat ๐Ÿ—ฏ  Forum๐Ÿ’  FAQ New๐Ÿ”“  Open Startup
๐Ÿ“ธ  Vote on photos๐Ÿ”ฎ  Show random place๐Ÿ’ธ  FIRE calculator๐Ÿ”Œ  Bali sea cable status๐ŸŒด  Canggu shortcut cam๐ŸŒค  Climate finder๐Ÿ“Š  Fastest growing New๐Ÿก  Real estate overseasโ›„๏ธ Escape the winter๐Ÿฆ  COVID-19 data๐Ÿ“ฃ  Advertise
๐Ÿ›ฐ  Remote jobs๐Ÿ‘ฉโ€๐Ÿ’ป  Remote workers Newโœˆ๏ธ  Airlines New๐Ÿ—บ  Neighborhoods๐Ÿ  Coworkations๐Ÿฌ  Coworking spaces๐Ÿ”–  Incorporate๐Ÿš‘  Nomad Insurance
Title
Be specific and imagine youโ€™re asking a question to another person. You can also post non-question posts of general interest

Body
Include all the information someone would need to answer your question or reply to your post
Ask a question
Cancel

You won't be notified by email when a reply is posted, to change your notification settings. Posts must follow the Community Guidelines: No ads, self promotion, commercial posts, surveys etc. For customer support questions, don't post here but use the feedback box in the bottom right of this page instead.

๐Ÿ‘
117
๐Ÿ‘Ž

Permanent Worldwide Health Insurance with no reimbursement policy


by @senseless | 4yr  | 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?

๐Ÿ‘
117
๐Ÿ‘Ž
๐Ÿ‘
5
๐Ÿ‘Ž
@midi | 4yr

Check: https://www.allianzworldwidecare.com/en/international-individual-health-insurance/?choice=en
https://www.freedomsurfer.com/health-insurance/
My employer uses Cigna Global.
I have not used any of these myself.

๐Ÿ‘
5
๐Ÿ‘Ž
๐Ÿ‘
2
๐Ÿ‘Ž

BUMP for this.

Iโ€™m leaving for Thailand in a week and trying to find international medical insurance (not travel insurance) and this whole thing has been a nightmareโ€ฆ

Every policy review I read seems to have horror stories of people not getting claims paid! Having a directpay option in the form of a card would be a real relief.

๐Ÿ‘
2
๐Ÿ‘Ž
๐Ÿ‘
1
๐Ÿ‘Ž
@fabyliechti | 4yr

Hi there,

I have a similar issue. Did you find such an insurance in the meanwhile?

๐Ÿ‘
1
๐Ÿ‘Ž
Read and participate in 14,020 discussions on Nomad List

Suggested topics

๐Ÿ‘
2
๐Ÿ‘Ž

What is the best online insurance for digital nomads ?


by @berberos | 2mo 1 month 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

๐Ÿ‘
2
๐Ÿ‘Ž
reply
๐Ÿ‘
3k
๐Ÿ‘Ž

Does international health insurance for digital nomads exist?

 

by @al_steffen | 6mo 6 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!

๐Ÿ‘
3k
๐Ÿ‘Ž
๐Ÿ‘
2
๐Ÿ‘Ž

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


by @valentineworld | 7mo 6 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

๐Ÿ‘
2
๐Ÿ‘Ž
reply
๐Ÿ‘
2
๐Ÿ‘Ž

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


by @tomheartstacos | 10mo 9 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?

๐Ÿ‘
2
๐Ÿ‘Ž
reply
๐Ÿ‘
4
๐Ÿ‘Ž

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


by @azurio | 1yr 1 year 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!

๐Ÿ‘
4
๐Ÿ‘Ž
๐Ÿ‘
1k
๐Ÿ‘Ž

Anybody recommend US health insurance with global coverage?


by @tylertringas | 2yr 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?

๐Ÿ‘
1k
๐Ÿ‘Ž
๐Ÿ‘
23
๐Ÿ‘Ž

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!

๐Ÿ‘
23
๐Ÿ‘Ž
๐Ÿ‘
173
๐Ÿ‘Ž

How to do without permanent address nor local bank?


by @tradeaway | 2yr 2 years ago | 2 comments

I am soon to find out one way or another as I will leave my residency to become a nomad myself. I have not found a good solution for Bali or Asian countries on the internet.

I read our existing Nomadlist posts under Money tag. Money handling and charges around accessing it seem to be a big issue for nomads, soon my issue. As a post I read said, accessing money for a Nomad can be harder than making money. I am more worried about accessing money than having some.

Iโ€™ll use Transferwise Borderless account to keep my day to day living money. I am opening a Pte Ltd corporate, that only goes for business-related expenses.
My Canadian credit card will charge me an arm and a leg in fees and currency conversion for me to get Indonesian Rupiah in Bali from Canadian dollar account. Then at some point, my credit card will complain I am not in Canad anymore.
Not knowing better, Iโ€™ll try that. If that works good and still live me short on how to go for smaller and random daily expenses.

Thanks for your help!
Enjoy your Nomad living!!

๐Ÿ‘
173
๐Ÿ‘Ž
๐Ÿ‘
89
๐Ÿ‘Ž

Health Insurance for Europeans?


by @patrickheneise | 3yr 2 years ago | 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?

๐Ÿ‘
89
๐Ÿ‘Ž
๐Ÿ‘
3k
๐Ÿ‘Ž

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!

๐Ÿ‘
3k
๐Ÿ‘Ž
๐Ÿ‘
223
๐Ÿ‘Ž

How do you manage receiving mail without a permanent address in the Philippines?


in Philippines by @kaizenpreneur | 3yr 2 years ago | 3 comments

Hello all,

I have a mail management service in the UK which all my mail gets sent to. This works fine 90% of the time and most can be dealt with digitally.

The other 10%, I need the mail sent on to me, which they do offer as a service. However, where I struggle is giving them an address to send it to in the Philippines, namely Manila.

Iโ€™ve used DHL for really important stuff, like bank cards, but it would be nice to have an address where I can forward certain mail. Anyone been able to set something up like this in the Philippines? Would a virtual office allow me to receive mail?

Thanks in advance

๐Ÿ‘
223
๐Ÿ‘Ž
๐Ÿ‘
71
๐Ÿ‘Ž

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.

๐Ÿ‘
71
๐Ÿ‘Ž
๐Ÿ‘
34
๐Ÿ‘Ž

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.

๐Ÿ‘
34
๐Ÿ‘Ž
๐Ÿ‘
463
๐Ÿ‘Ž

Working remotely in New Zealand and getting permanent residency?


in New Zealand by @mmorris | 4yr 3 years ago | 4 comments

Soโ€ฆ Trump is Prez. The world looks to the US as a role model. He doesnโ€™t think Climate Change is real. Weโ€™re [email protected]#$ed.

Canadian Citizen here. Was considering Costa Rica for a long term solution, but they wonโ€™t deal with the impact as well. We were always fond of NZ and my parents spend at least 3 months of the year there along with knowing some citizens.

Questions:

  1. How can we gain a Permanent Residency Visa? It seems the Skilled Migrant Category makes the most sense as I am a Systems Analyst (by NAFTA requirments) and my wife could probably qualify as a Nutritionist/Naturopath/Counsellor. Anyone have experience with this path?
  2. I currently work for a US non-profit remotely. Does NZ allow for this? do I need a job in NZ to be considered for the Skilled Migrant Category? Can I work for the US org while my Permanent Residency is processed?

Thanks!

๐Ÿ‘
463
๐Ÿ‘Ž
๐Ÿ‘
383
๐Ÿ‘Ž

Permanent virtual Legal Domicile for mail forwarding and tax declaration


by @youarehere | 4yr 4 years ago | 1 comment

I am looking for a best virtual Domicle to declare as permanent legal USA address and Legal Domicle where I can receive Virtual mail and have it mailed to my current geography. Please inform if you have recommendations or experience. Thanks!

๐Ÿ‘
383
๐Ÿ‘Ž
๐Ÿ‘
32
๐Ÿ‘Ž

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

๐Ÿ‘
32
๐Ÿ‘Ž
๐Ÿ‘
2k
๐Ÿ‘Ž

How are your experiences with World Nomads travel insurance?


by @trippydad | 5yr 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.

๐Ÿ‘
2k
๐Ÿ‘Ž
๐Ÿ‘
1k
๐Ÿ‘Ž

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


by @stefanlesser | 5yr 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?

๐Ÿ‘
1k
๐Ÿ‘Ž
๐Ÿ‘
4k
๐Ÿ‘Ž

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!

๐Ÿ‘
4k
๐Ÿ‘Ž
๐Ÿ‘
184
๐Ÿ‘Ž

How can I stay healthy as a digital nomad?


by @nomadaccountant | 5yr 5 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.
๐Ÿ‘
184
๐Ÿ‘Ž
โ€นโ€บ
×
USD โ”€ $
ยฐF
โœจ To see all results
Join Nomad List
Log In
FeedbackIf you find a bug, or have feedback, please write it here. See the FAQ for answers to most questions.Thanks for the message! We will get back to you soon.
Send feedback