SafetyWing
SafetyWing’s Nomad Insurance Complete offers comprehensive international health coverage specifically designed for digital nomads, remote workers, and global citizens. The plan combines a robust health insurance package with features tailored to support those living a globally mobile lifestyle, providing coverage both in your home country and across international borders.
Coverage Tiers & Benefits
Core Components
| Benefit | Standard Plan |
|---|---|
| Maximum Annual Medical Coverage | US$1,500,000 |
| Inpatient Coverage | 100% UCR for standard private room, adult companion accommodation, intensive care unit, surgery, diagnostic services, renal failure/dialysis, oncology treatments, reconstructive surgery; Up to US$25,000 for congenital disorders; Up to US$50,000 for HIV/AIDS treatment; Up to US$500,000 for rehabilitation (max 30 days per condition); 100% UCR for nurse care at home (max 60 days); Up to US$1,500 for durable medical equipment |
| Emergency Room Coverage | 100% UCR for emergency room care (if admitted immediately as inpatient); 100% UCR for ground ambulance transportation |
| Maternity Coverage | Up to US$2,500 with 20% co-insurance for natural and medically necessary cesarean deliveries; Includes pre and post-natal check-ups for up to 30 days following discharge; Subject to 10-month waiting period |
Optional Components
| Component | Standard Plan |
|---|---|
| Outpatient Coverage | Maximum annual limit of US$5,000 with 10% co-insurance; 100% UCR for physician/specialist visits, medications, physical therapy, diagnostic study services, allergy treatments; Up to US$60 per visit for complementary therapies (max 10 visits per year) |
| Emergency & Crisis Evacuations | Up to US$100,000 for evacuation, repatriation, and repatriation of mortal remains; 100% UCR for passive war and terrorism |
| Routine Physical Examinations | Included in health screening benefit up to US$350 |
| Preventive Screening Examinations | Cancer screening, cardiovascular and basic vital signs exams included in US$350 health checks allowance |
| Telehealth Consultations | Not explicitly mentioned |
| Extreme Sports | Uncovered; exclusions include professional sports |
| Dental Coverage | 100% UCR for emergency dental treatment resulting from covered accidents; No routine dental coverage |
| Vision Coverage | Not covered |
| Mental Support Coverage | 100% UCR for inpatient psychiatric care (max 30 days); 100% UCR for outpatient psychiatric/psychologist treatment (max 10 visits per year) |
| Vaccinations | Basic immunizations included in health checks allowance (US$350); COVID-19 vaccines explicitly excluded |
Unique and Special Plan Features
24/7 Customer Service
Global assistance is available 24 hours a day, 365 days a year, with support in every time zone.
Members can reach out by phone or direct messaging.
Medical Case Management Service
Access to Second Medical Opinion VIP, providing consultations with renowned medical experts from around the world. This service helps ensure appropriate diagnosis and treatment plans.
Other unique features
Hospital cash benefit of US$150 per night (max 30 nights) when treatment is received free of charge; External prosthesis coverage up to US$1,000; Palliative care up to US$50,000; 100% UCR coverage for passive war and terrorism incidents.
Plan Rules
Minimum and Maximum Acceptance Age
Available for individuals up to age 64 to apply. No specific minimum age is mentioned in the policy documentation.
Plan is for individuals who live away from their home country for how long
The plan is designed for remote workers and nomads who spend as much time abroad as they please, with no specific minimum duration requirement. It’s suitable for those who travel nonstop or stay abroad for extended periods.
Geographic Zones of Coverage
Two options available: Worldwide coverage or Worldwide excluding US/Hong Kong/Singapore. For the standard plan, coverage in United States, Singapore, and Hong Kong is only available when traveling there, for up to 30 days per trip.
Coverage in my home country
Full coverage is provided in your home country, making this a truly global policy regardless of where you are based or traveling.
Minimum duration of policy
The policy term is 12 months (annual contract). The dates of coverage are stated on your Certificate of Insurance.
Plan cancellation policy
Not explicitly detailed in the provided documentation
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-authorization is required for hospital admissions, surgeries, major procedures (MRIs, CT scans, etc.), physical/rehabilitative therapy, air ambulance services, durable medical equipment, and HIV/AIDS treatment. Notification must be made at least 72 hours prior to receiving these medical services. For emergencies, notification must be within 72 hours after the event. Failure to notify the company results in the insured being responsible for 30% of covered costs.
Deductible and Cost-Share Options
10% co-insurance applies to all outpatient services; 20% co-insurance applies to maternity care.
Pros & Cons
Insurer Details
Plan Name: Nomad Insurance Complete
Who is the insurer? VUMI Group, I.I
Insurer’s Country: USA
Insurance Plan main website: http://safetywing.com/
