The complete guide to health insurance for digital nomads, remote workers, and location-independent professionals. Compare plans, understand coverage, and protect yourself worldwide.
Most travel insurance policies are designed for short vacations — typically 30-90 days maximum. Digital nomads need something different:
Unabhängiger Vergleich · Updated Juli 2026
| Anbieter | Best For | Rating | Medical | Selbstbeteiligung | Ab | |
|---|---|---|---|---|---|---|
HanseMerkurBest Value EU HanseMerkur Reiseversicherung | Europäische Reisende | ★★★★★ 4.6 | Unbegrenzt | 0€ | 11€/Jahr | Check Price → |
SafetyWingBest for Nomads SafetyWing Nomad Insurance | Digital Nomads & Langzeitreisende | ★★★★★ 4.5 | $250,000 | $250 | $45/Monat | Check Price → |
IMG GlobalHighest Coverage IMG Patriot Travel Medical | Familien & Senioren | ★★★★ 4.4 | $1,000,000 | $0–$2,500 | $32/Monat | Check Price → |
WorldNomadsBest for Adventure WorldNomads Standard | Abenteuerreisende & Rucksacktouristen | ★★★★ 4.3 | $100,000 | $100 | $37/Monat | Check Price → |
Anzeige · Affiliate-Links · Wir erhalten eine Provision bei Abschluss — ohne Mehrkosten für Sie.
Built by nomads, for nomads
SafetyWing is our #1 recommendation for digital nomads. It's the only insurance that was designed from the ground up for location-independent professionals:
$45/month, cancel anytime. No long-term contracts.
200+ countries. Includes 30 days home country per 90 days.
Sign up in 5 minutes. Coverage starts immediately.
Add a spouse or children for a reduced rate.
Minimum $100,000 for most countries. $250,000+ if visiting the USA, Japan, or Singapore where medical costs are extreme.
Must include medical evacuation to your home country. $100,000+ recommended. If you're in a remote area, evacuation can cost $50,000+.
Lower is better. $0–$250 is ideal. Check if it applies per claim or per year.
Critical for nomads. SafetyWing includes 30 days of home coverage per 90-day period — enough for regular visits.
Most insurers exclude them. Read the fine print carefully if you have any ongoing medical needs.
Technically yes, but it's not designed for routine care like checkups or preventive medicine. Consider it emergency coverage. For full health insurance, look into international health plans like Cigna Global or Allianz Care.
Yes, SafetyWing covers you in the USA for up to 15 days per 90-day period (for non-US citizens). US citizens are not covered while in the USA.
SafetyWing offers a Remote Team plan that covers all your employees globally. Pricing starts at $45/employee/month with volume discounts available.