International Health Insurance for Digital Nomads
Comprehensive, portable medical coverage designed for people who relocate frequently and need reliable care outside their home system.
Key Facts
International Health Insurance for digital nomads at a glance
Annual medical limits commonly €500,000. No overall limit.
Deductible choices often 0€ – 5.000€ per policy year.
Outpatient, mental health, and dental available.
Maternity waiting periods commonly 10 months with caps.
Digital policy documents are usually issued within 24 – 72 hours after approval.
Smarter Insurance for Digital Nomads — Free Consult
Book a free, online consultation (up to 1 hour) to map your route and needs, then get a tailored quote within 24 hours. We compare plans side-by-side and explain real-world tradeoffs, drawing from a curated panel of international insurers, not just one provider. You’ll also get fast, usable documentation (insurance certificate) for admin and onboarding abroad.
Who is it for/not for?
Not for:
- People who only need emergency-only protection for short holiday trips.
- Individuals fully satisfied by a single country’s public health system.
- Those requiring cover for excluded activities or restricted regions.
For:
- Nomads living in different countries per year
- Remote workers who want one policy that remains valid across regions.
- Couples and families seeking coordinated benefits and a single support team.
Benefits & Limitations
Benefits:
- Continuous cover for hospitalisation and complex care while living abroad.
- Optional outpatient, mental health, and prescription benefits.
- Direct billing (invoice > €2.000) at network facilities to reduce large deposits.
- Telemedicine 24/7 for triage, follow-ups, and prescriptions where legal.
- Family options, including newborn enrollment windows on eligible tiers.
- Maternity benefits have waits and defined monetary caps.
Limitations:
- Pre-existing conditions may be excluded or subject to a moratorium.
- USA-inclusive regions usually carry higher premiums.
- Professional sports or high-risk athletic activities.
How it works
1
Start with a quick consult or instant quote
2
Get tailored plan options
3
Enroll with guided paperwork
4
Lean on ongoing expert support
Make the Right Choice with Beakon Global
Choosing the right international health insurance can feel overwhelming - but you don’t have to do it alone. At Beakon Global, our experts cut through the complexity, guiding you to the best plan for your needs, budget, and lifestyle.
Meet the Experts Behind Beakon Global
Stephan & Louis, co-founders of Beakon Global, are trusted leaders in International Private Medical Insurance (IPMI).
- With a track record of growing a major IPMI provider, they bring unmatched expertise to the industry.
- Specialists in broker networks & insurance distribution, they’re known for their client-focused approach.
- At Beakon Global, they’re redefining expat health insurance - prioritizing excellence, security & well-being worldwide.
Pricing & Drivers
From €80–€160 per month for a healthy 30-year-old in a non-USA region with a €1,000 deductible.
Pricing changes with age, selected regions, deductible level, and add-ons like outpatient, dental, or maternity.
Example:
a 34-year-old on a comprehensive non-USA plan with a €1,000 deductible pays ~€115/month; adding USA coverage raises the premium.
Common Questions (FAQ)
It provides long-term medical cover while living abroad. Core benefits include inpatient care, diagnostics, and optional outpatient and mental health.
Yes. Coverage applies within your selected regional options for the policy year. Check the policy’s geographic definitions.
Pre-existing conditions may be excluded or subject to a moratorium. In many cases, you can include them for an additional premium
No. Outpatient benefits are usually on comprehensive tiers and have limits and deductibles.
Most insurers issue digital documents within 24 hours after approval, depending on underwriting.
Comprehensive tiers often include therapy sessions. Annual caps apply; check the schedule of benefits.
Use direct billing (invoice > €2.000) where available. If you pay upfront, submit invoices and medical reports for reimbursement.
Many insurers allow changes at renewal. Mid-term changes can be restricted; verify before purchase.
Often yes on comprehensive tiers, subject to formularies, caps, and local regulations.
Policies typically allow enrollment within a defined window after birth. Waiting periods and caps may apply.
Examples & Scenarios
- Four-country year: You live in Spain, Thailand, Japan, and Mexico. A non-USA plan with €1,000,000 limit and €1,000 deductible covers inpatient care in all four.
- Chronic condition management: Hypertension follow-ups handled via outpatient visits and prescriptions, within plan limits.
- Telemedicine first: Skin infection assessed via 24/7 teleconsult; local prescription issued where permitted.