Insured Nomads
Insured Nomads offers the Connect personal health plans, which are private medical insurance policies designed for individuals and their families living internationally. The plans provide comprehensive coverage for necessary medical treatment with three different tiers of coverage to choose from based on your needs and budget.
Coverage Tiers & Benefits
Core Components
| Benefit | Connect | ConnectOne | ConnectThree |
|---|---|---|---|
| Maximum Annual Medical Coverage | $500,000 | $1,000,000 | $3,000,000 |
| Hospital Accommodation | Semi-private room | Standard private room | Standard private room |
| Intensive Care | 100% | 100% | 100% |
| Prescription Drugs (inpatient) | 100% | 100% | 100% |
| Surgical Fees | 100% | 100% | 100% |
| Physician & Therapist Fees | 100% | 100% | 100% |
| Diagnostic Tests | 100% | 100% | 100% |
| Psychiatry & Psychotherapy (inpatient) | 100%, max 60 days | 100%, max 60 days | 100%, max 60 days |
| Organ Transplant | $250,000 | $500,000 | $1,000,000 |
| Parent Accommodation | $100/night, max 15 nights | $200/night, max 30 nights | $200/night, max 30 nights |
| Daycare Treatment | 100% | 100% | 100% |
| Kidney Dialysis | 100% | 100% | 100% |
| Nursing at Home | $100/day, max 15 days | $150/day, max 15 days | $200/day, max 15 days |
| Rehabilitation Treatment | $100/day, max 20 days | $150/day, max 20 days | $200/day, max 20 days |
| CT, MRI, PET Scans | 100% | 100% | 100% |
| Oncology Treatment | 100% (wigs $250) | 100% (wigs $250) | 100% (wigs $250) |
| Inpatient Cash Benefit | $100/night, max 15 nights | $150/night, max 20 nights | $200/night, max 25 nights |
| Emergency Outpatient Treatment | $500 | $750 | $1,000 |
| Emergency Treatment Outside Zone | $10,000 (max 42 days) | 100% (max 42 days) | 100% (max 42 days) |
| Local Ambulance | $1,000 | $3,000 | 100% |
Optional Components
| Benefit | Outpatient A | Outpatient B | Outpatient C |
|---|---|---|---|
| Maximum Annual Limit | $3,000 | $5,000 | $8,000 |
| Medical Practitioner Fees | $300 | $1,000 | 100% |
| Prescription Drugs | $200 | $1,000 | 100% |
| Specialist Fees | 80% | 90% | 100% |
| Diagnostic Tests | 100% | 100% | 100% |
| Vaccinations | 100% | 100% | 100% |
| Cancer Screening | Not covered | 100% | 100% |
| Alternative Treatments | $300 | $1,000 | $2,500 |
| Prescribed Physiotherapy | $500 | $1,000 | $2,000 |
| Non-prescribed Physiotherapy | 5 visits | 5 visits | 5 visits |
| Health & Wellbeing Checks | Not covered | Not covered | $750 |
| Psychiatry & Psychotherapy | Not covered | 10 visits | 20 visits |
| Prescribed Medical Aids | Not covered | $1,000 | $3,000 |
| Hormone Replacement Therapy | 100% | 100% | 100% |
| Child Home Nursing | Not covered | $100/day, max 7 days | $100/day, max 7 days |
| Extreme Sports | Uncovered | Uncovered | Uncovered |
Maternity Optional, 12-month waiting period):
- Routine maternity: $5,000 or $10,000
- Complications of pregnancy: $10,000 or $15,000
- Home delivery: $1,000 or $1,500
- Infertility treatment: $5,000 or $7,500
Maternity Optional, 12-month waiting period):
- Maximum annual limit: $2,000 or $5,000
- Dental treatment & surgery: 80% or 100%
- Periodontics: 80%
- Orthodontic treatment & dental prostheses: 50% or 65%
- Laser eye treatment: $1,000 or $1,500
- Prescribed glasses & contacts: $150 or $300
Unique and Special Plan Features
24/7 Customer Service
Insured Nomads provides round-the-clock emergency assistance through dedicated contact numbers for EU and USA. Medical professionals are available to answer questions and provide guidance when needed.
Prepaid payment card provided by the insurer
The Insured Nomads card allows direct payment to healthcare providers without paying out-of-pocket. Members can request funds to be loaded onto the card through the mobile app or by contacting the plan administrator.
Mobile App
Two mobile applications are provided – “My Insured Nomads – Health” for policy administration and “INC by Insured Nomads” for accessing non-insured benefits.
Medical Case Management Service
The plan includes comprehensive medical evacuation and repatriation services managed by Falck Global Assistance. Their team coordinates with local medical providers to ensure appropriate care and transportation if needed.
Other unique features
The plan offers local hospitalization assistance, covering expenses for a family member to visit if hospitalized for more than 8 days. Early return assistance is provided for family emergencies, and coverage for child home nursing following inpatient treatment is available with some plans.
Plan Rules
Minimum and Maximum Acceptance Age
The Primary Member must be at least 18 years old to apply, and all covered persons must be under age 65 upon joining the plan.
Plan is for individuals who live away from their home country for how long
The Connect plans are designed for individuals residing outside their home country for extended periods, with no specific minimum duration specified. This makes it suitable for long-term expatriates, digital nomads, and global citizens.
Geographic Zones of Coverage
Coverage is provided based on the zone selected and specified on your Membership Certificate. Members can change their zone of coverage by notifying the Plan Administrator one month in advance.
Coverage in my home country
While focused on international coverage, emergency treatment outside your zone of coverage (which may include your home country) is provided for trips up to 42 days.
Minimum duration of policy
The policy is an annual contract with a 12-month duration, which can be renewed.
Plan cancellation policy
You have a 14-day cooling-off period after receiving your Membership Certificate to cancel without charge. After this period, you can cancel with written notice, and premiums will be refunded on a pro-rata basis if no claims have been submitted.
Can they exclude my new health conditions at renewal time?
The policy documents do not explicitly address whether new health conditions can be excluded at renewal time, but as a comprehensive international health plan, it typically would not exclude newly developed conditions.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Prior notification is required for hospitalization, hospice care, transplants, and pregnancy (within the first three months). You should notify the Plan Administrator at least 72 hours before any covered hospitalization. In emergencies, notification should be given within 48 hours of hospitalization. Failure to provide prior notification may result in reduced coverage (80% for inpatient and 50% for outpatient expenses).
Deductible and Cost-Share Options
The plan offers deductible options of $0, $500, $1,000, $3,000, or $5,000. Outpatient copay options include $0, $10, $20, or $30. Payment frequency affects premium with loadings of 0% for annual, 3% for semi-annual, 4% for quarterly, and 5% for monthly payments.
Pros & Cons
Insurer Details
Plan Name: Connect (with tiers: Connect, ConnectOne, and ConnectThree)
Who is the insurer? AWP Health & Life SA (Allianz Partners)
Insurer’s Country: France
Insurance Plan main website: http://www.insurednomads.com/
