The lifestyle of digital nomads is growing strongly around the world. The Spanish digital nomad visa allows foreigners to work with a special tax regime that adapts to this lifestyle in Spain. To obtain this visa, it is essential to have medical insurance that operates in Spain.
We are going to explore various options for obtaining health insurance for digital nomads in Spain, which allows you to enjoy all the experiences of this country without risks. Among the alternatives, we find the renowned company Sanitas, along with other interesting local and international companies. Do you tremble when you think about how complicated medical expenses can be? Relax: Nomada, to the rescue.
What are the options in terms of health insurance for digital nomads in Spain?
Health insurance for digital nomads in Spain includes plans designed to provide health coverage to those who work and travel worldwide. Most of these plans, offered by various companies, share key aspects.
The most outstanding feature of these plans is their global scope. Your health insurance will cover you no matter where you are, from a European city to a remote beach in Asia. You will have access to the medical care you need.
These plans usually include everything from basic emergency care and hospitalization to regular medical consultations and diagnostic tests. Some plans go further, offering coverage for preventive treatments such as vaccines, health checks, and dental services.
This last aspect is one of those that most worries many digital nomads: can I request a blood test if I notice some fatigue in the last few days? Regular travel insurance does not usually cover this type of case. That’s why options specialized in digital nomads are so in demand.
Do I need health insurance if I have travel insurance for Spain?
Health insurance is not the same as travel insurance. Health insurance specializes in offering care similar to that you receive in your country, while travel insurance covers flight delays and luggage loss, among other things.
There are also health insurances for travel, although they are almost always oriented only to medical emergencies: a sudden illness, an accident…
With international medical insurance that offers coverage in Spain, you will receive the care you need during your stay and save money on administrative costs.
Advantages of taking out health insurance for digital nomads in Spain
Hiring health insurance for digital nomads in Spain brings many benefits. The main advantage is the security of being covered in case of medical emergencies while traveling, but also…
- Online medical consultations. Many plans offer the possibility of remote medical consultations. Fast and efficient attention, even away from home.
- Global coverage. These insurances guarantee medical care wherever you are.
- Flexibility. Health insurance for digital nomads usually offers personalized options, adapting to your specific needs, especially expensive countries, such as the United States, and even options for adventurous people who practice risky sports.
- Access to specialized services. In addition to basic care, many plans offer coverage for preventive treatments, dental services, and mental health care.
- Human attention 24 hours. Most options offer the possibility of chatting with an assistant to solve your queries.
Local companies that offer insurance for digital nomads
Sanitas is one of the first options that comes to mind when we talk about health insurance for digital nomads in Spain. They offer several plans specially designed for people like you.
Sanitas Nómadas Digitales is a plan designed for those who work remotely and want to live in Spain with a special tax regime. It has no co-payment and is also a suitable option for visa procedures.
Caser also offers health insurance for foreigners, which allows you to obtain the visa and includes the usual expenses: hospitalization, primary medicine … also without co-payment and with 24-hour online attention.
Are there international medical insurances for digital nomads in Spain?
In addition to local medical insurance, you can also opt for international medical insurance that provides you with coverage in Spain and around the world. Among the leading companies are SafetyWing and World Nomads, which specialize in offering medical and travel coverage to digital nomads anywhere in the world. The most interesting options if you want to stay within the nomadic world.
The 5 best health insurances for digital nomads in Spain
Now that we know a little more about what health insurance is in Spain and how it can help you on your journey as a digital nomad. It’s time for you to take a look at the following detailed list of the top five health insurances, both local and international, that offer coverage tailored to the unique needs of those who lead a mobile and digital lifestyle.
1. SafetyWing
SafetyWing offers healthcare and travel coverage worldwide, providing peace of mind for digital nomads as they explore new destinations. Your insurance includes a wide range of sports and activities, guaranteeing protection in all everyday situations. The monthly cost of this insurance starts at around 50 euros, depending on the age and the extra coverage you want to add, such as adventure sports or the theft of electronic devices. To request it, visit their official website.
2. World Nomads
World Nomads is another excellent option, offering medical and travel coverage worldwide. In addition to protecting you in your global adventures, this insurance can cover adventure activities and extreme sports. You can choose coverages from one week of duration, something very interesting for digital nomads who do not completely unpack.
3. Integra Global
Integra Global is recognized for its medical and travel coverage. They offer the usual medical support in case of emergencies and specialized treatments such as mental health, dentistry and ophthalmology. They are defined as the “family-friendly” option for employed people who live outside their country.
4. IMG Global
IMG Global offers medical and travel coverage with adaptable plans to meet different needs. It provides protection in medical emergencies and support in critical situations. For example: the price of international insurance (including the United States), for a 32-year-old man, would start around 3,000 dollars a year. We recommend that you visit their website to get a personalized budget, since one of their most interesting advantages is that they offer a large number of options.
5. Cigna Global
Cigna Global gives you access to medical care in more than 200 territories, with a network of more than 1.5 million hospitals and health professionals. They also put on the table multilingual attention 24 hours a day.
What should health insurance for digital nomads in Spain cover?
When looking for appropriate health insurance for digital nomads in Spain, it is essential to understand what it must cover to ensure complete protection. Some key aspects include:
- Basic medical coverage. Essential medical services such as consultations, emergencies, hospitalization and diagnostic tests.
- Coverage for chronic diseases. Treatment and follow-up of chronic diseases and prescription drugs.
- Primary care services. Access to primary care doctors for regular consultations.
- Coverage for major medical emergencies. Emergency surgery, intensive care and medical evacuation.
- Specialized services. Dental, ophthalmological and physical therapy treatments.
- Psychological assistance. Consultations with mental health professionals and psychological therapy.
- Vaccination and prevention. Recommended vaccines and prevention services.
- Network of medical providers. A wide network of medical providers and hospitals recognized worldwide.
Advice on health insurance for digital nomads in Spain
Now that we know much more about insurance for digital nomads, it is important to complement this knowledge with the following tips that our team of digital nomads in Spain has for you.
Tips for saving money on health insurance
- Evaluate your options and compare plans and prices before buying.
- Think about whether you need international health insurance that covers all your long-term needs.
- Check the conditions and make sure everything you need is included. We don’t want scares in difficult times.
- Choose the plan that best suits your needs and budget.
- Take into account the long-term cost of not having insurance in case you need medical attention. Or to have insufficient insurance. Many times, cheap comes out expensive.
How to cover medical expenses anywhere in the world?
The paperwork is very boring, yes. But it is necessary to have it under control.
- Always carry your health insurance card and digital copies with you in case of emergencies.
- Find out what types of expenses your insurance covers and what procedures you must follow to request a refund.
- If you need medical care in a foreign country, investigate the available options and the estimated cost before making a decision.
- Consider telehealth services to avoid unnecessary visits to clinics. Your time as a nomad is very valuable.
- If you want to save money on medical expenses, consider receiving care in cheaper destinations.
How to request appointments or medical exams with your international health insurance?
- Contact your insurer. Inform about your medical needs.
- Provide the necessary information. Policy number and details about your medical condition.
- Follow the insurer’s instructions. Find a medical service provider or coordinate the appointment/examination.
- Schedule the appointment or exam. Schedule the appointment at a convenient time.
- Confirm coverage and costs. Understand the benefits of your policy and any additional payments that may later be required of you.
- Present your health insurance card. Bring your insurance card with you to the appointment.
What are the best international health insurances for digital nomads?
Check the range of options and compare features, coverage and costs. Some recommended options are SafetyWing, World Nomads, Integra Global, IMG Global and Cigna Global.
Is it worth taking out life insurance in Spain?
If you decide to become a digital nomad in Spain – that sounds good, doesn’t it? – remember that well-planned insurance is as important as the trip itself. Don’t skimp on expenses when it comes to your health. Compare the different plans and choose the one that best suits your needs, but always think you are making a much-needed investment.
Frequently asked questions about insurance for digital nomads in Spain
It is crucial to have specific health insurance for digital nomads in Spain because it offers comprehensive coverage that standard travel insurance does not usually include. This includes not only medical emergencies, but also regular consultations, preventive treatments, and often, dental and mental health services. In addition, having this insurance is a requirement for the digital nomad visa in Spain.
Among the main companies that offer medical insurance for digital nomads in Spain are Sanitas, which has specific plans for these workers, and Caser, which also offers health insurance without co-payment and with 24-hour online care. Other recommended international options are SafetyWing, World Nomads, Integra Global, IMG Global and Cigna Global.
Medical insurance is focused on offering complete health coverage, similar to what you would receive in your country of origin, including medical consultations, hospitalization and preventive treatments. Instead, travel insurance primarily covers travel-related incidents, such as flight delays, lost luggage, and basic medical emergencies. That is why it is so important to have adequate health insurance if you plan to live as a digital nomad in Spain.
The benefits include medical coverage anywhere in the world, flexibility in plans to adapt to your specific needs, access to online medical consultations, and specialized services such as dental and mental health treatments. In addition, it allows you to save on medical costs and facilitates the fulfillment of requirements for digital nomadic visas.
To save money on your health insurance, evaluate and compare different plans and prices before hiring one. Make sure that the insurance covers all your specific needs to avoid unexpected costs. Consider whether you need international insurance in case you travel frequently between different countries and check the conditions to make sure you don’t pay for unnecessary coverage.
When choosing the best health insurance for digital nomads in Spain, analyze your individual needs and priorities very well. Evaluate global coverage, plan flexibility, additional services and monthly cost.
There is no universal recommendation. The choice will depend on your individual needs. Compare the different offers available and consider which one best suits your needs and preferences. There is no one-size-fits-all option. The best insurance will be the one that adapts to your digital and moving lifestyle.
In addition to health insurance, consider options such as life insurance and civil liability insurance to complement your coverage in Spain. Explore these alternatives and choose the plan that best suits your requirements.
