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1. Cigna
As an American insurance company, Cigna adheres to the American requirement when it involves customer support and performance.
As part of their business model, Cigna tries to provide you access to top-quality medical care without excessive administration, no matter where you remain in the world.
Cigna presently has more than 180 million consumer connections and has workplaces in several nations worldwide.
When we were living in Sweden, Nikki obtained an insurance policy from Cigna to have enough coverage as well as clinical help, in addition, to satisfying the demands to get her residency authorization.
Because of this, Cigna is a terrific choice if you’re also looking for a health insurance strategy to fulfill your visa or residency demands.
Indeed, this doesn’t imply you ought to overlook the inquiries above … and also, I would certainly still recommend looking into all the businesses on this list to see that you’re getting the best strategy!
That claimed, we had a great experience with Cigna. It was effortless to locate the right strategy. Also, it was easy to cancel the plan when Nikki got her residency and got accessibility to the general public health care system. Nevertheless, because we never sued with them, we can’t talk about the simplicity of this process.
Pros of digital nomad insurance with Cigna:
- They have flexible deductibles (in other words, you can control what you pay in advance)
- You have flexible payment options (monthly, trimester, or annual)
- You don’t need to request a reimbursement/file a claim since the company will pay your health provider directly
- You have 3 types of plans to choose from Silver, Gold, Platinum
- The basic plan covers some types of cancer screenings and up to $100 in ophthalmology annually
- They have 24-hour customer service, 7 days a week
- They offer medical coverage in the Middle East
- They have plans that include the transplanting and transportation of organs as well as kidney dialysis treatments
- The company’s website has information about the financial system, culture, and schooling system of the country you’re going to
- COVID-19: Cigna covers all potential costs in the treatment of this illness, in compliance with the protocols recommended by the WHO
Cons of digital nomad insurance with Cigna:
- You have to put in a lot of personal info to get a personalized quote
- If you plan to have a child during your stay abroad, you’ll need to invest in a more expensive policy since the basic plan doesn’t cover maternity help
2. IMG
Considered to be among the best health insurance companies for digital nomads, IMG has worked with insurance policies for more than 30 years.
One significant advantage of IMG is that they have an international customer care, and it’s effortless to enter contact with them. In addition, with their live conversation function, you can ask concerns concerning the plans and get answers promptly when you require them.
Nikki and I have directly used the “Patriot America Plus” and “Global Medical Insurance” strategies and had an excellent experience. Yet like Cigna, we also really did not require to file a claim with IMG, so we can not speak with this part.
Pros of digital nomad insurance with IMG:
- They have extensive coverage with more than 17,000 doctors and clinics around the world
- There are 5 different plans for you to choose from
- If you use your IMG policy with a health provider outside the United States, you can get a 50% reduction on your deductible
- There are special health insurance plans for overseas missionaries
- There’s an automatic debit payment option
- They have an efficient online portal with access to emergency services available 24 hours a day, 7 days a week
- They have coverage for all nationalities
- The company considers COVID-19 as any other illness and injury, subject to the terms and conditions of the policy
Cons of digital nomad insurance with IMG:
- There’s an age limit with no plans available for adults above 75 (however, if you get an insurance policy when you’re 65+, you can sign up for IMG’s lifetime plan instead)
- Only the most expensive plan offers maternity care coverage (and it only offers it at a minimum of 10 months after your policy has begun)
3. Aetna
Past the high quality of the service and its obtainable health and wellness solutions, Aetna has remained in the world of insurance for greater than half a century.
It is just one of the biggest health insurance companies in the United States. Also, it has one of the most affordable worldwide medical insurance that electronic nomads can use.
They have a somewhat good client service team that’s offered to aid 24 hr a day, seven days a week.
Pros of digital nomad insurance with Aetna:
- They have plans personalized for digital nomads based on their destinations and coverage needs
- They have 50 years of experience and offices in more than 15 countries
- They have 24-hour customer service
- They’ve been named the “Best International Private Health Insurance Provider” and “Health Insurer of the Year” by various magazines
- Most of their plans include coverage for hospitalization, cancer treatment, repatriation, and emergency evacuation
Cons of digital nomad insurance with Aetna:
- Their site doesn’t offer a lot of explanation about what’s actually included in their plans.
4. Global Underwriters
Worldwide Experts is an additional excellent insurance alternative for electronic nomads; that’s because this firm has remained in the market for many years, constantly offering strategies with various options for travelers around the globe.
One of the most suggested preparations for digital nomads is Mediator Long Term and Mediator International; in both cases, the insurance coverage is complete and meets foreigners’ needs in other countries reasonably well.
Pros of digital nomad insurance with Global Underwriters:
- Coverage of up to $1,000,000 in medical care and accidental or dismemberment deaths
- Plans covering medical evacuations, repatriation of remains, and emergency dental treatment
- Provides assistance in cases where there are interruptions during your trip due to health reasons or loss of luggage
Cons of digital nomad insurance with Global Underwriters:
- The Diplomat Long Term plan does not have coverage in Cuba, Afghanistan, and Iran
- Diplomat International does not provide coverage for covid-19
- The Diplomat Long Term plan does not serve residents of New York, Maryland, South Dakota, Australia, and Iran
5. GeoBlue
Are you looking for high-quality insurance coverage with extensive coverage and class A solution? Then GeoBlue is an excellent alternative for you!
In an initiative to make life easier for those it guarantees, GeoBlue tries to provide a personalized solution, consisting of a range of coverage for you to select from and brief- and long-term plans.
Yet, GeoBlue also has an insurance policy prepared for many customers such as missionaries, teachers, trainees, private yacht staff, immigrants, or electronic nomads.
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