Top Questions Digital Nomads Have About International Health Insurance—Answered
Clear answers to your most pressing questions—with Beakon Global as your trusted partner for tailored advice and insurance solutions.
1. Do I Really Need International Health Insurance as a Digital Nomad?
Yes! International health insurance protects your finances and health no matter where you are. Key reasons include:
Local insurance typically only covers care in your home country.
Standard travel insurance often provides limited, short-term emergency coverage.
Medical costs abroad, especially in countries like the U.S. or Japan, can be exorbitant.
International health insurance offers long-term flexibility, preventive care, and comprehensive coverage.
2. What’s the Difference Between Travel Insurance and International Health Insurance?
Travel Insurance
Short trips only (3–12 months)
Covers emergencies only
No pre-existing condition coverage
Limited benefits
International Health Insurance
Long-term protection for nomads and expats
Includes emergencies, routine care, and preventive measures
May cover chronic conditions
Comprehensive, worldwide benefits
Conclusion: International health insurance is the better choice for long-term travel and a nomadic lifestyle.
3. Does the Insurance Cover All the Countries I Travel To?
That depends on your plan. Some insurers:
✅ Offer worldwide coverage without exclusions.
✅ Charge additional fees for high-cost regions like the U.S.
Tip: Beakon Global helps you find a plan covering all the countries you visit—no surprises.
4. What If I Have a Pre-Existing Condition?
Pre-existing conditions aren’t automatically disqualifying, but:
Some insurers exclude treatment for pre-existing conditions.
Others offer plans that include pre-existing conditions for an additional fee or with specific limitations.
Beakon Global specializes in finding fair solutions for digital nomads with pre-existing conditions.
5. What Is “Free Choice of Doctors,” and Why Is It Important?
Free choice of doctors means you decide which doctor or clinic to visit—without restrictions from network limitations.
Benefits for nomads:
✅ Access to private clinics with better care.
✅ Flexibility in any country you’re in.
✅ Fast assistance without long wait times.
Plans recommended by Beakon Global always include free choice of doctors.
6. Does the Insurance Cover Preventive Care?
Yes, many international health insurance plans include:
Routine check-ups: Annual health screenings.
Preventive measures: Vaccinations, blood tests, and early disease detection.
Tip: Prevention is key to long-term health. Beakon Global helps you find plans that go beyond emergency care.
7. What Happens If I Get Sick in a Remote Country?
If you fall ill in a remote area:
Use telemedicine for quick consultation with a doctor.
For severe cases, your insurance covers medical evacuation to a better-equipped hospital or country.
Example: A medical evacuation can cost €50,000 or more. A reliable insurance plan protects you from these high expenses.
8. How Much Does International Health Insurance for Digital Nomads Cost?
Costs depend on:
Scope of coverage: Emergencies, preventive care, chronic conditions.
Geographic coverage: Including or excluding high-cost regions like the U.S.
Deductible: Amount you pay out of pocket.
Example: Plans typically start at €200–€300 per month, depending on age and benefits. Beakon Global helps you find the best solution for your budget.
9. How Does Billing Work During a Claim?
There are two options:
✅ Direct billing: The clinic charges the insurance directly—you pay nothing upfront.
✅ Reimbursement: You pay first, then submit invoices for reimbursement.
Tip: Beakon Global recommends insurers with clear, simple billing processes.
10. Does the Insurance Include Emergency Support?
Yes! Most international health insurance plans provide:
✅ 24/7 emergency hotlines for immediate assistance.
✅ Coordination of medical evacuation or repatriation.
✅ Help overcoming language barriers and handling paperwork.
Beakon Global ensures you have a reliable partner during emergencies.
Your Questions Answered—Your Coverage Guaranteed
As a digital nomad, you want to travel flexibly, stay healthy, and avoid worry. International health insurance gives you the security you need—no matter what happens.
Why Choose Beakon Global?
With Beakon Global, you get:
✅ Personalized advice for your needs and destinations.
✅ Access to the best insurers worldwide.
✅ Best price guarantee.
✅ Tailored solutions that fit your budget.
✅ Comprehensive support—even during emergencies.
👉 Still have questions? Get a free consultation today!
Request your personalized quote now!
Beakon Global – Your trusted partner for international health insurance. Clear. Flexible. Worldwide.
