As a digital nomad, you will be able to work remotely from any country that offers an internet connection. With this in mind, many people will settle for some time in a foreign country. They won’t really be on holiday because they will still be working each week, but they’ll still be experiencing a new country.
This often makes finding insurance tricky. Some countries, such as Australia, have reciprocal health agreements with the United Kingdom, but most do not. This means that many digital nomads seek out travel insurance; unfortunately, these plans are not designed as a primary health care option, but more as a supplement to the coverage you enjoy at home. Travel insurance also tends to be quite expensive since it needs to cover the activities you might engage in while on holiday.
This makes traditional travel insurance a bad option for most digital nomads, or for anyone else who wants to stay in a foreign country on a long-term basis without changing their official country of residency.
This is where expat health insurance comes in. It provides an ideal middle ground for digital nomads by offering coverage that is akin to what they would receive at home. The quality of insurance will cover serious conditions, such as treatment for cancer, and the costs will usually work out lower than traditional travel insurance.
Coverage terms will renew annually, so you will be able to take coverage out for your time in a foreign country without having to worry about being stuck for too long or having the policy expire after a few months. Additionally, policies will provide coverage for surrounding areas, meaning that you should be able to visit nearby countries without having to take out travel insurance on top of the expat insurance policy.
Navigating the world as a digital nomad can be tough, but health insurance companies are here to make sure that the most important thing, your health, is always well-covered. This is one thing you should always consider when planning to travel the world regardless of whether it is for one month or for a year or two, always put your health first!
