Profiles
Informational content — no offer yetDigital Nomad Insurance
With no fixed residence, health coverage needs to follow your movements rather than a single country — a different mechanism from standard expat health insurance, which is designed for a lasting settlement.
Who it’s for
- Freelancers and remote employees who change country regularly
- Those who need a 'digital nomad' visa that requires proof of insurance
Who it’s not for
- Those settled long-term in a single country — see standard expat health insurance
Multi-country, not single-country
Standard expat health insurance is often calibrated to a coverage zone and a declared country of residence. Digital nomad coverage needs to remain valid across several countries without a change declaration for every move — a criterion to check explicitly in the terms and conditions before taking out a plan.
'Digital nomad' visas and insurance requirements
A growing number of countries offer a specific visa for remote workers, generally paired with a requirement for health insurance valid for the length of the visa — as is the case, for example, with the E33G remote-worker visa in Indonesia. The precise conditions vary by country and should be checked against the official source before applying.
Frequently asked questions
Is CFE suitable for a digital nomad?
Rarely in a satisfactory way: CFE works on a voluntary-affiliation logic tied to expatriation, with no mechanism designed for frequent country changes. International health insurance with a broad (even worldwide) coverage zone is generally better suited to this profile.
Is standard travel insurance enough for a digital nomad?
No: travel insurance generally covers short, temporary stays, not a lasting situation with no declared fixed residence. Insurance designed for digital nomads, or international health insurance, remains necessary for continuous coverage.
Written by Expavy