Digital nomad health insurance: stay covered worldwide
Freelancer, remote employee or entrepreneur without borders? You move between countries as you wish, without a fixed residence. careXpat finds insurance that follows you everywhere, without interruptions or paperwork at every border.
Neither a typical expatriate nor simply a tourist
More than 35 million digital nomads live this way today, but the insurance market sometimes struggles to keep up. With no fixed tax residence and frequent moves between countries, your needs differ greatly from those of a settled expatriate.
careXpat positions itself as the leading French-language resource for comparing multi-country policies and finding cover that truly fits your freedom to move, without compromising your health.
Distinctive insurance needs
Worldwide cover without a fixed residence
Unlike an expatriate settled in one country, you change time zones as you choose. You need health insurance designed for multiple countries and continuously active.
- Worldwide health cover without a stable tax residence
- No need to cancel your policy whenever you cross a border
- Flexible monthly or annual plans
Traveller, expatriate or nomad?
Travel insurance
- Duration
- Under 90 days, with a required return home.
- Residence
- Maintained in the home country.
- For
- Holidaymakers and very short stays.
Expat insurance
- Duration
- More than 12 months.
- Residence
- Fixed, in a single foreign country.
- For
- Posted employees and settled families.
Digital nomad insurance
- Duration
- Flexible, monthly or annually.
- Residence
- None required, with multi-country cover.
- For
- Freelancers and mobile remote workers.
Cover beyond emergencies
24/7 French-language teleconsultations
A nomad's key benefit: consult a doctor in French at any time, regardless of the time difference, from any time zone.
Medical repatriation
Covered transport back to your home country or to a better-equipped hospital.
Mental health and wellbeing
Burnout prevention and support with isolation-related stress and anxiety.
Continuous multi-country cover
The reassurance of staying insured as you travel between countries, without cancelling or taking out a new policy at each stop.
Second medical opinion
Included in premium plans for complex conditions.
24/7 teleconsultations
Reimbursement from the first euro, without relying on the CFE.
Where you settle and what it means
Bali · Chiang Mai
Living costs are very affordable, but private international hospitals are expensive. Strong medical evacuation cover is essential.
Lisbon · Gran Canaria
Overstretched public healthcare: private insurance is the only way to see a specialist quickly.
Medellín · Buenos Aires
Excellent private clinics, but French-language teleconsultations remain essential.
United States
If your itinerary includes them, choose specific North America cover.
Based on your area and level of cover
Tight budget
Plans such as SafetyWing, around €40/month, mainly for major emergencies.
Mid-range and premium
Routine consultations, mental health support and very low deductibles.
Maximum cover
Due to the extremely high cost of healthcare in North America.
Ready to leave with peace of mind?
Our experts compare plans across the market and find the one that fits your nomadic lifestyle, wherever you decide to work from.
