Planning to apply for a digital nomad visa in 2025? Without the right international health insurance, your application could be denied. This guide breaks down visa insurance rules by country—plus trusted providers and what documents to prepare.
Visa Health Insurance Requirements by Country (2025 Guide)
Do You Really Need Health Insurance for a Digital Nomad Visa?
Absolutely—and more countries are enforcing it. In 2025, having a valid international health plan is no longer a nice-to-have—it’s a core requirement. Miss one clause or submit the wrong certificate, and you risk having your visa rejected. So what kind of insurance actually works? And which providers know how to support nomads applying across borders?
This guide gives you the essentials—what’s required, where, and how to meet those expectations without stress.
Contents
What Most Countries Require for Health Insurance
| Requirement | Details |
|---|---|
| ✅ Proof of coverage | Must show your name, dates of validity, and benefit limits |
| 🌍 International scope | Coverage must be valid in the country of residence for the full visa period |
| 💳 Minimum coverage | €30,000 is the common minimum—some require €100,000+ |
| 🛡 Emergency care | Evacuation, hospitalization, and COVID treatment often required |
| 📑 Language | Documents must be in English or translated by a certified authority |
Country-by-Country Health Insurance Rules (2025)
- 🇵🇹 Portugal: Private insurance mandatory for visa stage; public care only after residency registration.
- 🇪🇸 Spain: Requires non-cancellable private coverage, typically from local-licensed providers.
- 🇭🇷 Croatia: €30,000 minimum. IMG and Cigna are commonly accepted by consulates.
- 🇲🇾 Malaysia: De Rantau applicants must show inpatient + outpatient coverage.
- 🇹🇭 Thailand: For long-term resident (LTR) visas, $100,000+ coverage required through Thai-approved insurers.
- 🇲🇽 Mexico: Health insurance not officially required, but having it helps if your income is borderline.
- 🇮🇩 Indonesia: Often requested informally during Bali visa extensions. Strongly recommended.
💡 Tip: Most embassies prefer policies from providers with experience issuing visa-compliant letters. Don’t risk using a plan that doesn’t meet embassy format rules.
Top Insurance Providers That Meet Visa Rules
| Provider | Why It Works |
|---|---|
| Cigna Global | Accepted in EU and Schengen regions, customizable coverage |
| SafetyWing Remote Health | Popular among digital nomads, includes instant visa letter download |
| IMG Global | Great for Asia-based nomads; embassy-friendly paperwork |
| Allianz Care | Well-known and respected by most consular offices worldwide |
Documents You’ll Need for Your Visa Application
- ✔ Health insurance certificate with your full name and policy dates
- ✔ Clearly stated coverage amount (minimum threshold met)
- ✔ Confirmation of emergency and hospitalization benefits
- ✔ Visa-specific wording or official translation into English
- ✔ Policy coverage that matches or exceeds your visa stay
Final Thoughts
Health insurance is now your entry ticket—just as important as your passport.
In 2025, embassies are stricter, and digital nomad visa rules are clearer than ever. Don’t leave your application to chance. Choose a provider that knows the visa landscape, get your documents ready, and stay one step ahead of the checklist.
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