Healthcare for Nomads

What Healthcare for Nomads is

Healthcare for Nomads is a plan distributor, not an insurer carrying its own risk. Its About page says, "Healthcare for Nomads is an authorized distributor of international health & medical insurance policies underwritten by Regency Assurance, a licensed and regulated insurance company serving global nomads and expatriates in over 150 countries worldwide." The policy a buyer ends up holding is therefore a Regency Assurance policy, sold and serviced through this site. The homepage adds a second description of the people behind it, under the heading "The experts behind your cover," where the team calls itself "Experienced insurance brokers" with "over a decade in the medical insurance sector." So the site presents itself both as an authorized distributor for one underwriter and as a team of brokers; nothing on the pages names any underwriter other than Regency.

What it sells is annual international medical insurance rather than short trip cover. The homepage headline is "Full Medical Insurance for full-time digital nomads, expats and remote workers," and the stated territory is "all countries worldwide, except the USA." The footer lists a WhatsApp line, a support email address and "Location: UK." On its homepage the company describes itself as "Rated Great on Trustpilot," and a stat block claims "10+ Years of Experience" and "600+ Happy Customers." Those are the company's own figures about itself.

The underwriter, as the site describes it

The About page gives Regency Assurance its own section. It calls Regency "a global insurance provider delivering cross-border health and medical insurance solutions across 120+ countries," with "local support offices and multilingual teams." Note the two country counts on the same site: the distributor text says Regency serves people "in over 150 countries," while the Regency section says "120+ countries." Under a "Strength & Security" heading the page lists "Fully licensed and regulated insurance company" and "FSRC Compliance," glossed as adhering to "Financial Services Regulatory Commission standards for your protection." A "Service Excellence" block credits Regency with a "98% Customer Satisfaction Rating." No license number appears for Regency or for Healthcare for Nomads.

The four cover levels and what separates them

The site sells four tiers, each building on the one below. The compare-plans page describes them this way. Major Medical "Covers all medical emergencies and inpatient treatment, including inpatient cancer treatment." Standard "Covers everything included with Major Medical, as well as outpatient treatment, and more." Comprehensive "Covers everything included with Standard, plus routine check-ups, major dental surgery." Fully Comprehensive "Covers everything included with Comprehensive, plus lots more," which the site calls "the very highest level of cover." The homepage marks Standard as "Popular."

The comparison table sets an "Overall Plan Limit (per year)" of US $1,000,000 for Major Medical, Standard and Comprehensive, and US $2,000,000 for Fully Comprehensive. The inpatient section then shows where the tiers really differ:

• Room and board with general nursing care is "Semi-Private" on the first three tiers and "Full Cover" on Fully Comprehensive.
• Surgeon's fees, including operation and post-surgical services, are capped at US $25,000 on the first three tiers and listed as "Full Cover" on Fully Comprehensive. Anesthetist fees follow the surgeon: "30% of Surgeon's Fees" on the first three tiers, "Full Cover" on the top one.
• Professional fees for physicians, specialists, radiologists, physiotherapy and pathologists carry the same US $25,000 cap on the first three tiers and "Full Cover" on Fully Comprehensive.
• Oncology is listed at US $20,000 on the first three tiers and "Full Cover" on Fully Comprehensive.
• Organ transplant is "No Cover" on Major Medical and Standard, US $100,000 on Comprehensive and "Full Cover" on Fully Comprehensive.
• Rehabilitation is "No Cover" on the first two tiers, "Full Cover 30 Days" on Comprehensive and "Full Cover 45 Days" on Fully Comprehensive.
• Parental accommodation (shared bed, same room) is "No Cover" on Major Medical and Standard and "Full Cover" on the two upper tiers.
• Hospital cash benefit is US $100 on the first three tiers and US $200 on Fully Comprehensive.

Several inpatient lines read "Full Cover" on every tier: operating room charges, scans and diagnostic tests, medicines, blood and plasma, surgical appliances and wheelchair rental; intensive care; kidney dialysis; emergency room treatment; and local ambulance to hospital.

The practical reading of that table: on the three lower tiers the US $1,000,000 annual limit is not the whole story, because surgery, professional fees and cancer treatment each run into their own smaller caps first. Only Fully Comprehensive removes those inner caps.

The Major Medical page restates its terms on their own: "a generous annual limit of US $1,000,000, covering essential inpatient services," territory "Worldwide Excl. USA," semi-private room and board, full cover for operating room fees, tests and medicines and for intensive care, and surgeon's fees of US $25,000. The site pitches it as "the ideal choice for those seeking basic health coverage while keeping costs low."

Below the inpatient table the compare-plans page carries further benefit groups by heading only: Outpatient, Wellbeing, Dental, Global Security, Psychology, International Assistance, Life Cover and Optional Benefits, with no figures under them. The About page gives a one-line overview of those areas across the range: outpatient "Doctor visits, consultations, diagnostics and prescriptions," wellbeing "Routine health checks, vaccinations and preventive care," dental "including emergency and routine dental care," psychology "Mental health support including therapy," and "Emergency medical evacuation and repatriation worldwide." That overview does not say which tier carries which of those benefits.

Buying a policy

Price starts, in the homepage's words, "At $550 per annum," with "flexible payment options." The site ties that starting figure to no named tier or age; tier prices come from the online calculator. The get-quote page runs a four-step process (personal information, quote calculator, review, application form) and carries one firm eligibility rule: "We are unable to offer coverage to applicants aged above 70 years old." The same page says, "We offer annual, semi-annual, quarterly, and monthly payment options," and invites anyone who wants a custom quotation to get in touch by WhatsApp or email.

On timing, the homepage promises "Apply in 2 minutes, get covered within 24 hours," while the About page describes being "covered within 24-48 hours" after sending in an application. The About page also says buyers can do the whole thing themselves or ask for help through "a WhatsApp chat, email or a call with one of our helpful advisers."

Claims and assistance

The homepage lays out a four-step claims route. For urgent or emergency inpatient care, "the hospital will usually contact Healthcare For Nomads directly." For other treatment, members submit by email, and the documents "can include photos from your phone." Then "Regency underwriters will review your claim to ensure all details are correct and that the treatment is covered under your policy." Once a claim is approved, the company says it will "arrange full payment directly to the hospital or clinic, so you don't have to pay upfront and claim back later." The stat block gives "1-3 Days Claim Processing."

The site also promises "24/7 global assistance" reachable "With just a phone call," which it describes as included on all nomad cover, and "remote access to certified healthcare professionals" for consultations with specialists.

Terms to read in the policy

The FAQ page lists its questions as headings without answers, including pre-existing conditions, claim limits, exclusions, cover in the home country, terrorism cover, cancellation and applying without a fixed address. No tier-by-tier premium and no deductible appear on the site.

Who it suits

Going by the site's own terms, Healthcare for Nomads fits a nomad, expat or remote worker aged 70 or under who spends the year outside the United States and wants inpatient-led annual cover billed directly to the hospital, with a clear tier table to choose from. The inner caps on surgery, professional fees and oncology make the step from Comprehensive to Fully Comprehensive the one that changes the most. Anyone who needs cover in the USA, or who is over the site's age cutoff, is outside what it sells.