In the dynamic world of digital nomadism, securing comprehensive insurance coverage can be a challenge. Traditional insurance plans often fall short, leaving location-independent entrepreneurs vulnerable. Enter Nomad Citizenan innovative annual membership designed to fill these gaps and provide a robust safety net for those who live and work across borders.
Developed by Safety Winga company known for its travel insurance solutions, Nomad Citizen is a game-changer for digital nomads. This membership bundles health coverage, travel protection, income protection, and life insurance benefits into a single, convenient plan. It’s tailored for entrepreneurs and business owners who spend more than half the year outside their home country, offering global coverage with no residency restrictions—except for Puerto Rico.
Who Can Benefit from Nomad Citizen?
Nomad Citizen is designed for individuals under 56 who earn at least $4,000 USD per month. To sign up, you simply need to declare good health and confirm that you’ll be outside your passport country for more than half the year. The plan also extends to partners and children under 18, making it an ideal choice for families on the move.
This product is particularly valuable for those living in countries without access to robust social services. For instance, if you’re an entrepreneur in Bali or Mexico, Nomad Citizen can provide the safety net you need. Imagine being hit by a car and facing extensive hospital bills, as happened to a friend in Mexico. With Nomad Citizen, such incidents wouldn’t lead to financial ruin or the need for crowdfunding.
What Does Nomad Citizen Offer?
Nomad Citizen provides a comprehensive range of benefits, making it a standout choice for digital nomads. Here’s a breakdown of what’s included:
Income Protection
The income protection benefit is one of the most compelling features of Nomad Citizen. Traditional income protection or disability insurance often requires a fixed employer and residency in a specific country, leaving freelancers and sole traders uninsured. Nomad Citizen changes this by offering up to $4,000 per month for up to 3 or 6 months if you lose your income due to layoffs, dried-up contracts, or medical conditions.
Health Insurance
With Nomad Citizen, you get up to $1.5 million in annual coverage for inpatient, outpatient, prescriptions, dental, vision, mental health, maternity, preventive care, and wellness therapies. This coverage is far more robust than regular travel insurance, which is typically limited to emergencies.
Travel Coverage
Nomad Citizen also includes travel coverage for trip delays, cancellations, stolen electronics, lost luggage, evacuation, robbery, and family visits during hospitalization. This ensures that your travels are protected against unforeseen events.
Parental Leave
For those planning to start a family, Nomad Citizen offers $4,000 per month in parental leave benefits. This allows you to take time off work without worrying about financial constraints. However, there is a 3-year waiting period to access this benefit.
Long-Term Disability
In the event of a serious disability that prevents you from working, Nomad Citizen provides $4,000 per month up to age 75. This ensures that you are taken care of even if you can no longer work due to severe health issues.
Visa Assistance
Members can browse and apply for long-term visas designed for nomads directly through the Nomad Citizen app. This service handles all direct communication with the government and quality checks your application to maximize approval chances.
Nomad Care Map
The Nomad Care Map is a member-powered database of over 4,000 healthcare providers worldwide. It includes ratings for service and English level, helping you find the best providers wherever you are.
Payment Cards
Nomad Citizen members receive a SafetyWing card, a worldwide prepaid debit card. This card can be used to pay for covered services up to $500, auto-generating a claim that has already been paid, eliminating the need for reimbursement.
24/7 Human Support
With 24/7 live chat support, you can get answers from a real person within minutes. This ensures that you have access to assistance whenever you need it.
All-in-One App
Everything is managed through a single app, including claims, coverage details, customer care, provider search, and visa assistance. This streamlined approach makes it easy to manage your insurance needs.
How to Make Claims
Making claims with Nomad Citizen is straightforward. For health coverage, you can either pay out of pocket and file for reimbursement or contact the 24/7 team to arrange direct payment with the provider. For travel claims, you collect documentation and submit a claim. For income protection, you work with SafetyWing to verify the loss and provide evidence that you’re actively seeking new income. All claims are managed through the app, making the process simple and efficient.
Nomad Citizen is a revolutionary product for digital nomads, offering comprehensive coverage and peace of mind. Whether you’re a solo entrepreneur or a family on the move, this membership provides the safety net you need to live and work confidently across borders.
