Today, the digital nomad lifestyle has gained momentum around the world. This sector requires solutions in terms of health insurance and visas that allow people to work in other countries.
In many countries, this is a prerequisite for obtaining a visa. It’s very important to be in the know on this issue.
In Spain, Sanitas (a private health insurer) offers personalized plans that include medical and death insurance. There is a Digital Nomad Visa for those who want to obtain residency in Spain, and it comes along with a special tax status.
There are also international medical insurance policies that cover all needs. The fundamental thing is to plan and be prepared for any situation that may arise. Having health insurance is essential for digital nomads, who must be ready to adapt to changes in their lifestyle.
Medical insurance for Digital Nomads in Spain
Digital nomads don’t have a fixed address, something which could make it difficult for them to find health insurance that covers all their healthcare needs anywhere in the world.
For this reason, there are different insurance options in Spain, as well as in other countries, that are adapted to these unique circumstances.
As this is a special lifestyle, special insurance should be considered for this sector.
Companies that offer insurance for Digital Nomads
In Spain, one of the main companies offering health insurance for digital nomads is Sanitas.
This company offers various customized plans for remote workers, including professional and business plans, as well as add-ons such as dental and funeral plans.
Most notable is its Sanitas Nómadas Digitales plan, designed specifically for remote workers who wish to obtain residency in Spain under a special tax status.
Medical insurance plans for Digital Nomads
Health insurance plans for digital nomads vary depending on each company, but typically include coverage anywhere in the world. Some plans may include basic coverage for emergencies, hospitalization, doctor visits and diagnostic tests. Other plans may include coverage for preventive, dental and mental health treatment.
Advantanges of taking out a Digital Nomad medical insurance plan
The main advantage of taking out health insurance for digital nomads is the peace of mind of knowing that you’re covered in the event of a medical emergency. In addition, many plans offer the possibility of consulting with medical professionals online and remotely.
Are there any pre-existing international medical insurance plans for Digital Nomads?
There are several companies that offer international health insurance for digital nomads such as SafetyWing and World Nomads.
These companies offer medical and travel coverage worldwide, and their monthly cost is affordable and automatically renews on a monthly basis for a 1-year period.
How to choose the best insurance for Digital Nomads?
If you’re a digital nomad, it’s essential to have health insurance that covers your needs anywhere in the world. Here are some things to consider when choosing the best health insurance for digital nomads in Spain.
What does a Digital Nomad insurance plan cover?
Before choosing insurance, you should make sure that it covers your major medical needs and eventualities, both while you’re traveling and while you’re at home. From illness to injury to emergencies, your insurance should be prepared for any situation in which you may need medical attention.
What is the most recommended health insurance for Digital Nomads?
It is important to note that there is no universally recommended health insurance for digital nomads. The recommendation will depend on your individual needs and personal situation.
For example, it may be advisable to opt for insurance with worldwide coverage, or that guarantees a certain level of medical care in specific countries. Compare the different offers and consider which coverage best suits your needs.
Comparison of the best health insurance plans for Digital Nomads
There are several companies that offer health insurance for digital nomads. Compare the plans available, their prices and the benefits they include. Make sure that the insurance you take out offers the medical benefits you really need.
What other insurance options are there for Digital Nomads?
Although health insurance is a vital part of being protected, there are also other insurance options that can complement your coverage, such as life or liability insurance. Take the time to check them out and assess your needs. Consider these aspects when choosing the insurance that best suits your needs as a digital nomad in Spain. Remember that choosing the right health plan will ensure peace of mind and protection.
Tips for Digital Nomads in Spain
Tips for saving money on health insurance
- Evaluate your options and compare plans and prices before buying health insurance.
- Consider international health insurance that covers all your needs in any country and for any medical issue in the long term.
- Review the terms and conditions in detail and make sure that everything you need is included in the plan.
- Choose the plan that best suits your needs and budget.
- Consider the long-term cost of not having health insurance in case you need medical care, as it can be much more expensive should a serious emergency arise.
Tips for covering medical expenses anywhere in the world
- Make sure you always carry your health insurance card on you, as well as any digital copies in case of emergencies.
- Find out what types of expenses are covered by your health insurance and what procedures you must follow to request reimbursement.
- If you need medical care while abroad, find out what options are available and the estimated cost before making a decision.
- Consider telehealth services to avoid unnecessary visits to clinics and doctors’ offices.
- If you want to save money on medical expenses, consider the option of receiving medical care in less expensive countries.
Tips for applying for a Digital Nomad visa
- Find out about the specific requirements and verify your eligibility before applying for the Spain Digital Nomad Visa.
- Make sure you have all the necessary documents, such as proof of income and financial solvency, proof of private health insurance, proof of experience and training, among others.
- Consult with an immigration lawyer if you are unsure how to proceed or if you need help with the process.
- Plan enough time to complete the application process including any delays, and make sure your travel and work plans fit the visa requirements.
What are the best international medical insurance plans for Digital Nomads?
There are several international options to choose from, so it is important to go through the various options and compare characteristics, coverage, and costs.
Some recommended options are SafetyWing, World Nomads, Integra Global, IMG Global and Cigna Global.
Each of these options has specific features to suit the needs of all.
Comparison of the best international health insurance for Digital Nomads
Here is a comparison of the international medical insurance options for Digital Nomads mentioned above:
- SafetyWing: worldwide travel and medical coverage. It includes a wide range of sports and activities, as well as the option of one-day policies and automatic monthly renewal. Monthly cost from 37 euros.
- World Nomads: medical and travel coverage worldwide, also offers protection for outdoor activities and extreme sports. The insurance is renewable during the trip and offers coverage for flight delays and cancellations. Cost from 70 euros.
- Integra Global: worldwide medical and travel coverage, plus medical support in case of emergencies. It offers coverage for psychological, dental and ophthalmological treatments, among others. Cost from 90 euros.
- IMG Global: medical and travel coverage worldwide. It offers a wide range of adaptable plans for different needs, also with support in case of emergencies. Cost from 60 euros.
- Cigna Global: worldwide medical and travel coverage. Offers different personalized plan options, as well as access to a global network of healthcare providers. Cost from 70 euros.
Medical insurance for digital nomads in Spain
If you’ve decided to come to Spain as a digital nomad, remember that a well-planned insurance to go with your trip would be the wisest option.
You should compare plans and know which one suits you best. We always want to encourage people not to skimp on this expense, even if you’re cost conscious and trying to save money being a digital nomad. We’re talking about your health, and you must take good care of it.
We hope you found these tips and information useful and that you enjoy your stay in Spain. If you want to tell us about your experience as a digital nomad, please go ahead and leave us a comment below.
