Best Health Insurance for Expats & Digital Nomads 2026

Why Expat Health Insurance Matters

Your home country's health coverage probably doesn't work abroad. Travel insurance has limits. You need proper expat health insurance.

Top Options Compared

For Digital Nomads (Budget)

SafetyWing Nomad Insurance

Price: ~€42/month (age 27-39)

Coverage: $250,000 max

Deductible: $250

Best for: Short-term nomads, basic coverage

Pros: Cheap, easy signup, covers 185+ countries

Cons: Limited dental, no pre-existing conditions

World Nomads

Price: ~€120/month

Coverage: Varies by plan

Best for: Adventure travelers

Pros: Covers extreme sports

Cons: Expensive, not for long-term

For Long-Term Expats (Mid-Range)

Cigna Global

Price: €150-300/month

Coverage: $1-2M

Best for: Families, long-term residents

Pros: Excellent network, direct billing at hospitals

Cons: Annual commitment, higher price

Allianz Care

Price: €130-250/month

Coverage: Comprehensive

Best for: Corporate expats

Pros: Strong in Europe, modular plans

For High-Net-Worth / Premium

Bupa International

Price: €300-500/month

Coverage: $5M+

Best for: Executives, families wanting top care

What to Look For

Direct billing at hospitals (vs. pay-and-claim)

Pre-existing conditions coverage (most exclude them year 1)

Maternity (usually 12-month waiting period)

Mental health coverage (often limited or excluded)

Emergency evacuation (critical in remote locations)

By Destination

Some countries require specific insurance for visa applications:

Portugal D7: Must cover Portuguese healthcare

Spain DN Visa: Private insurance mandatory

Thailand DTV: Must cover $50,000 minimum

UAE: Employer-provided or private required

Check your destination's requirements on ReloMap.