Private Health Insurances

As an EU citizen, when residing in other EU countries you are generally entitled to access public healthcare services in all of them.

However, there are certain situations where you are not covered by your host state’s health insurance or have limited coverage only.

These types of gaps are sometimes faced by individuals outside the local employment market (such as digital nomads, remote workers, au pairs or the unemployed). In those situations, you may obtain coverage from private health insurance.

Private health insurance can sometimes be a useful option also for those individuals who have the full right to receive medical treatment in their host EU country.

Especially in some EU countries, private health insurance may help you receive medical care more quickly, access specialists more easily, or cover services that are not available in the public sector.

While not always necessary, having private insurance can provide greater flexibility and peace of mind.

When choosing private health insurance, pay attention to the following things:

• Travel insurance / expat health insurance: Normal travel insurances are typically valid only for short periods of time (1-3 months). For longer stays, you should obtain a long-stay travel insurance or an expat insurance by a local insurer or an international healthcare insurer. Those settling in their new country may find interesting options among local insurance companies.
• Choosing a Plan: Several private insurance companies offer plans specifically designed for expats and remote workers. These plans can vary in coverage and cost, so compare options to find one that suits your needs and budget. Consider factors like deductibles, co-pays, and the network of hospitals/clinics covered.
• ⁠Research Reputable Companies: Look for established companies with a good track record. Online reviews and recommendations from other expats can be helpful.
• Pre-existing Conditions: Be upfront about any pre-existing medical conditions, as some plans might have exclusions or higher premiums.