Tag Archive for: Travel Insurance

Nomad health insurance: I have it on my credit card

Many digital nomads consider using credit card travel insurance for their global health needs. While cards like Revolut or American Express offer substantial travel insurance benefits, they are designed for short-term trips, not a nomadic lifestyle.

Credit card travel insurance typically covers trips of up to 30 days (or up to 90 days with more premium plans) and requires trips to start and end in the home country. In contrast, international health insurance covers long-term, unlimited travel without such constraints, ensuring continuous protection wherever you are.

You surely already sense that relying on this type of credit card travel insurance as a digital nomad smells like a recipe for trouble. Here is why.

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Why there is no health insurance for digital nomads (yet)

As a digital nomad, you enjoy a variety of freedoms that stationary citizens can only dream of. On a daily basis you are able to decide where, how and also with whom you want to spend your life. Should you stay another night in Hanoi, or do you take the next train heading South?

However, these freedoms often come with a cost: Health insurance. Most international health insurance plans only cover emergencies, or their premiums skyrocket once you reach a certain age. Therefore, many nomads remain dependent on the public health insurance of their origin country and will need to return for medical treatments regularly.

It does not have to be like that. Let me walk you through the topic and help you find the ideal solution.
While there is still no perfect one-size-fits-all coverage available on the market there are still good concepts to set up your health insurance globally for long-term location independent lifestyle.

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Travel insurance or international health insurance: What’s the difference?

What is the big difference between travel insurance and international health insurance – and what is the right choice for you as a digital nomad?
Why does one cost less than 100 euros a month and the other usually costs (well) over 200?

Insurance is always the subject of lively debate in the digital nomad community. The question of what recommendations there are for travel insurance or health insurance for digital nomads comes up again and again.
The problem is that the discussions are unfortunately comparing apples with oranges when everyone throws in what he or she has taken out themselves. This is because crucial aspects are not taken into account. We explain them here!

Don’t let your insurance become a source of unsurance

It makes a considerable difference whether you take out international health insurance for several hundred bucks a month. Or just travel insurance, which only costs you 50 bucks. The contrast is not that the insurers are lining their pockets in one case. These are simply two completely different categories.
We want to tackle these misconceptions and clear up the myth.

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European Health Insurance Card: EHIC for digital nomads

Whether on the coast of Portugal, in a country hut in the heart of Italy or in the lively flow of the French capital – as a digital nomad, you follow your urge for freedom. Laptop in hand, mobile Internet in your pocket and the journey can begin!

If it weren’t for the tricky question: How am I actually covered as a digital nomad in another European country if I have statutory insurance in my European home country?

With the EHIC! This is the European Health Insurance Card. Read here what it can do and where it has its limits.

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