One of the best perks of being a digital nomad is having the freedom to work from anywhere in the world: your home, your favourite cafe or a coworking space.
The life of a digital nomad can seem pretty magical. But what a lot people don't see is that this lifestyle requires a lot of planning. For instance: what happens when you need medical assistance outside of your home country?
We like to be optimistic, but the truth is that anything can happen during your trip, so you must not forget about one of the many factors you need to consider when planning a trip: health insurance. Safety should always be your top priority, and being prepared for emergencies with a travel health insurance for digital nomads will help ensure that.
But what type of insurance should you choose? Well, that depends.
Photo: Our designer Ami during our work retreat in April 2022 (by Sarah Herrlander)
While it is worth and necessary, insurance is a complicated topic. It can be overwhelming to compare among the many insurance providers available, and find the one that suits you best. This is why some people keep postponing their plans of finding the right insurance company, but be warned: not being insured can become a huge problem in case you have an emergency and have to pay for medical costs out of your own pocket.
We gathered some differences between international and travel health insurance, two types of insurances that are often used interchangeably and we hope it can help you in your decision!
International health insurance
An international health insurance typically covers a wide variety of medical care, from emergency and non-emergency treatments to preventive measures, dental work, mental health therapies, cancer treatments, pregnancies, sports injuries, vaccinations, and others. Consider this one for long-term or life-long coverage but keep in mind that this type of insurance can be very pricey. In fact, the average cost of international health insurance is around 5x higher than for travel health insurance.
Travel health insurance
Travel insurance is great for short-term travels, but you will be able to find some options that can cover for up to a few years too! It usually covers medical emergencies that occur during a short term trip. Some providers might also cover medically necessary treatments, but this varies depending on the company's terms and conditions.
As you can see, the best insurance for you depends on factors like the duration of your trip and even pre existing medical conditions.
What if there was a health insurance provider that understands digital nomads? Imagine not to be asked where you are going or when you are coming back. Or not to be asked to give a physical address to receive mail, while still being compliant with strict German and EU regulations. With our friends from Genki, all this is possible.
From digital nomads, to digital nomads.
Founded by digital nomads, Genki makes travel health insurance for digital nomads like you, as simple as possible to understand and use. We know that being a nomad or working abroad and visiting your home country is the reality of many users at One Coworking.
So if you are planning to stay abroad, whether it’s a short-term or a few-years trip, and searching for a digital nomad insurance without hassles, Genki is your best choice. Their travel health insurance covers care in every country, for citizens of any country. With their flexible monthly subscription (that you can cancel at any time!) you get access to healthcare anywhere in the world.
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