Health Insurance by Visa
Most residency and digital-nomad visas require proof of private health insurance at application — and the minimum coverage amount, whether a public-system option opens later, and which insurers are accepted vary widely. This matrix pulls the insurance requirement from every visa programme we track (168 with published requirements), so you can compare what you’ll need to budget and arrange before you move.
Last reviewed: 2026-07-24. Insurance rules are set per programme and change — confirm the current minimum with the issuing authority before applying.
| Visa | Country | Private insurance | Min. coverage | Public access | Example providers |
|---|---|---|---|---|---|
| Argentina Pensionado (Retiree) Visa | Argentina | Required | $50,000 | After 0 mo | Galeno, OSDE, Swiss Medical, Medifé |
| Australia Skills in Demand (SID) Visa (Subclass 482) | Australia | Required | — | — | Allianz Care Australia, Medibank, Bupa, HCF |
| Austria Red-White-Red Card | Austria | Required | — | — | — |
| Belgium Single Permit | Belgium | Required | — | — | — |
| Belgium Self-Employed Professional Card | Belgium | Required | — | — | — |
| Brazil Digital Nomad Visa (VITEM XIV) | Brazil | Required | — | After 0 mo | Bradesco Saúde, SulAmérica, Amil, Cigna |
| Cape Verde Residency-by-Investment to Naturalisation | Cabo Verde | Required | — | — | — |
| Canada Study Permit | Canada | Required | $100,000 | After 3 mo | Guard.me, StudentGuard, UHIP (Ontario universities), iSTUDENT Recommended |
| Chile Rentista Visa | Chile | Required | $30,000 | After 0 mo | FONASA (public, available once resident status confirmed), Isapre Cruz Blanca, Isapre Banmédica, Isapre Colmena |
| Colombia Digital Nomad Visa (Nómada Digital) | Colombia | Required | — | After 0 mo | Sura, Compensar, Cigna Global |
| Colombia Pensionado / Retirement Visa (M-10) | Colombia | Required | — | After 0 mo | Sura, Sanitas, Cigna |
| Costa Rica Rentista Visa | Costa Rica | Required | — | After 0 mo | CAJA, INS, Cigna |
| Costa Rica Pensionado Visa | Costa Rica | Required | — | After 0 mo | CAJA (public, mandatory), INS (supplemental), Cigna Global |
| Croatia Digital Nomad Visa | Croatia | Required | — | — | Allianz Croatia, Croatia osiguranje, Generali Croatia, Cigna Global |
| Cyprus Category F Permit (Retirees & Passive Income) | Cyprus | Required | — | After 3 mo | Bupa International, AXA Global Healthcare, Cigna Global, Allianz Care |
| Cyprus Digital Nomad Visa | Cyprus | Required | — | — | Cigna Global, Allianz Care, SafetyWing, AXA International |
| Czech Employment Card | Czech Republic | Required | — | — | — |
| Czech Long-Term Residence — Investment / Business | Czech Republic | Required | — | — | — |
| Czech Digital Nomad Visa | Czech Republic | Required | — | — | — |
| Estonia Digital Nomad Visa | Estonia | Required | $30,000 | — | Cigna Global, AXA International, SafetyWing, Allianz Care |
| France Talent Passport (Passeport Talent) | France | Required | $30,000 | After 3 mo | Sécurité Sociale (after affiliation), APRIL International, Cigna |
| France Talent Passport — Salaried Employee (Salarié Qualifié) | France | Required | — | — | — |
| France Talent Passport — Innovative Startup Founder (Création d'Entreprise) | France | Required | — | — | — |
| France Talent Passport — Researcher (Chercheur) | France | Required | — | — | — |
| Germany EU Blue Card | Germany | Required | — | After 0 mo | TK, AOK, Barmer, Cigna Global (private) |
| Germany Opportunity Card (Chancenkarte) | Germany | Required | $30,000 | After 0 mo | TK, AOK, Barmer, DKV |
| Germany Student Visa | Germany | Required | $30,000 | After 0 mo | TK (Techniker Krankenkasse), AOK, Barmer, Mawista Student (private) |
| Greece Golden Visa | Greece | Required | $30,000 | — | Allianz Greece, Generali Hellas, Cigna Global |
| Greece Financial Independence Visa (Type D) | Greece | Required | $30,000 | — | Allianz Greece, Generali Hellas, Cigna Global |
| Greece Skilled Worker Visa (Type D) | Greece | Required | $30,000 | After 1 mo | EFKA (public), Allianz Care, Cigna Global, Interamerican |
| Hungary Guest Investor Programme | Hungary | Required | $30,000 | — | Generali Hungary, Allianz, Cigna Global |
| Indonesia Golden Visa | Indonesia | Required | — | After 0 mo | BPJS Kesehatan (national, mandatory), Cigna Global, AXA, Pacific Cross |
| Indonesia Second Home Visa (B211B) | Indonesia | Required | — | — | — |
| Ireland Critical Skills Employment Permit | Ireland | Required | — | After 0 mo | VHI, Laya Healthcare, Irish Life Health |
| Ireland Immigrant Investor Programme (IIP) | Ireland | Required | — | — | VHI, Laya, Irish Life Health |
| Israel Aliyah (Law of Return) | Israel | Required | — | After 0 mo | Clalit, Maccabi, Meuhedet, Leumit |
| Italy Elective Residence Visa | Italy | Required | $30,000 | — | Generali, UnipolSai, Cigna Global, Allianz Care |
| Italy Digital Nomad Visa | Italy | Required | $30,000 | — | Generali, Cigna Global, Allianz Care |
| Italy Self-Employment Visa | Italy | Required | $30,000 | After 6 mo | Allianz Care, Cigna Global, Generali Italia |
| Italy Flat Tax Regime for High-Net-Worth New Residents | Italy | Required | — | — | Allianz Care, Cigna Global, Bupa Global |
| Italy EU Blue Card | Italy | Required | — | After 0 mo | — |
| Japan Highly Skilled Professional Visa | Japan | Required | — | After 0 mo | Japan National Health Insurance (NHI), Shakai Hoken (employer-based) |
| Japan Business Manager Visa | Japan | Required | — | After 0 mo | National Health Insurance (NHI), Shakai Hoken (if self-employed paying salary) |
| Japan Digital Nomad Visa | Japan | Required | — | — | Cigna Global, AXA International, SafetyWing Nomad Insurance, Allianz Care |
| Japan Specified Skilled Worker (SSW) Visa | Japan | Required | — | After 0 mo | Shakai Hoken (employer-based), National Health Insurance (NHI) |
| Japan J-Find Visa (Job-Seeking for Top University Graduates) | Japan | Required | — | After 0 mo | National Health Insurance (Kokumin Kenko Hoken) — municipal public enrollment, Employees' Health Insurance (Shakai Hoken) — automatic once employed |
| Japan J-Skip Visa (Highly Skilled Professional Fast-Track) | Japan | Required | — | After 0 mo | Employees' Health Insurance (Shakai Hoken) — automatic through the sponsoring employer, National Health Insurance (Kokumin Kenko Hoken) — for periods without employer coverage |
| Latvia Real Estate Residence Permit (MPR) | Latvia | Required | — | — | Allianz Care, Cigna Global, BALTA, BTA Baltic Insurance Company |
| Lithuania Startup Visa | Lithuania | Required | — | — | Gjensidige, Ergo, Cigna Global |
| Luxembourg Salaried Worker Permit | Luxembourg | Required | — | — | — |
| Malaysia DE Rantau Digital Nomad Pass | Malaysia | Required | $10,000 | — | AXA Affin, Great Eastern, SafetyWing, Cigna Global |
| Malaysia My Second Home (MM2H) | Malaysia | Required | $50,000 | — | AXA Affin, Great Eastern, AIA Malaysia, Cigna Global |
| Malaysia Premium Visa Programme (PVIP) | Malaysia | Required | $50,000 | — | AXA Affin, Great Eastern, Prudential Malaysia, AIA Malaysia |
| Malta Permanent Residence Programme (MPRP) | Malta | Required | $30,000 | — | Bupa International, Cigna Global, Allianz Care |
| Mauritius Premium Travel Visa | Mauritius | Required | — | — | — |
| Mauritius Permanent Residency (Property Purchase) | Mauritius | Required | — | — | — |
| Netherlands DAFT Visa (Dutch-American Friendship Treaty) | Netherlands | Required | — | After 0 mo | Zilveren Kruis, VGZ, CZ, Menzis |
| Panama Friendly Nations Visa | Panama | Required | — | — | Pan-American Life, MAPFRE Panama, Cigna |
| Panama Pensionado Visa | Panama | Required | — | — | Pan-American Life, MAPFRE, Cigna, Bupa |
| Poland Temporary Residence Permit | Poland | Required | — | After 0 mo | NFZ (public), LUX MED, Medicover, Cigna Global |
| Portugal D7 Passive Income Visa | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa International, Médis |
| Portugal D8 Digital Nomad Visa | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa International, Médis |
| Portugal Golden Visa (ARI) | Portugal | Required | $30,000 | — | Allianz Care, Cigna Global, Bupa International |
| Portugal HQA Visa (Highly Qualified Activity) | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Médis, Multicare |
| Portugal D1 Visa (Subordinate Work / Dependent Employment Visa) | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa Global, Médis |
| Portugal D3 Visa (Highly Qualified Activity Visa) | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa Global, Médis |
| Portugal Family Reunification Visa (D6) | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa Global, Médis |
| Portugal D2 Entrepreneur / Independent Worker Visa | Portugal | Required | $30,000 | After 3 mo | Allianz Care, Cigna Global, Bupa International, Médis |
| Romania Digital Nomad Visa | Romania | Required | — | — | — |
| Saudi Arabia Premium Residency (Iqama Mumayazah) | Saudi Arabia | Required | — | — | Bupa Arabia, Tawuniya, MedGulf, AXA Cooperative Insurance |
| South Korea D-8 Investor Visa | South Korea | Required | — | After 0 mo | National Health Insurance Service (NHIS) |
| South Korea Digital Nomad Visa (Workcation Visa) | South Korea | Required | — | After 0 mo | National Health Insurance Service (NHIS), AXA, Cigna |
| South Korea D-10 Job Seeker Visa | South Korea | Required | — | — | NHIS (National Health Insurance Service), Allianz Korea, AIG Korea, Cigna |
| South Korea F-2 Long-Term Resident Visa | South Korea | Required | — | After 0 mo | National Health Insurance Service (NHIS), AXA Korea, Mercer Korea |
| Korea F-5 Permanent Residency | South Korea | Required | — | After 0 mo | National Health Insurance Service (NHIS) — mandatory public enrollment |
| South Korea F-2-99 Point-Based Long-Term Residency Visa | South Korea | Required | — | After 0 mo | National Health Insurance Service (NHIS) — mandatory public enrollment |
| South Korea D-8-4 Technology Startup Visa (OASIS) | South Korea | Required | — | — | — |
| Spain Non-Lucrative Visa | Spain | Required | — | — | Sanitas, Adeslas, DKV, Cigna Global |
| Spain Digital Nomad Visa | Spain | Required | — | — | Sanitas, Adeslas, DKV, Cigna Global |
| Spain Self-Employment (Autónomo) Visa | Spain | Required | — | After 1 mo | Sanitas, Adeslas, Asisa, Cigna Global |
| Spain Startup Visa (Entrepreneur Visa – Law 14/2013) | Spain | Required | — | After 6 mo | Sanitas, Adeslas, Asisa, Mapfre Salud |
| Sweden EU Blue Card | Sweden | Required | $30,000 | After 0 mo | Försäkringskassan (Swedish public), Allianz Care, Cigna Global |
| Sweden Self-Employment Permit | Sweden | Required | $30,000 | After 0 mo | Försäkringskassan (Swedish public), Allianz Care, Cigna Global |
| Sweden Job Seeker Visa | Sweden | Required | $30,000 | — | Allianz Care, Cigna Global, Bupa Global |
| Switzerland B Residence Permit (Employment) | Switzerland | Required | — | — | — |
| Switzerland Self-Employment Permit | Switzerland | Required | — | — | — |
| Thailand Long-Term Resident (LTR) Visa | Thailand | Required | $50,000 | — | AXA, Cigna Global, Pacific Cross, BUPA Thailand |
| Thailand Destination Thailand Visa (DTV) | Thailand | Required | $10,000 | — | AXA, SafetyWing, Cigna Global, Pacific Cross |
| Thailand Non-Immigrant O-A (Retirement) Visa | Thailand | Required | $10,000 | — | AXA Thailand, Pacific Cross, BUPA Thailand, LMG Insurance |
| Thailand O-X Long-Stay Visa | Thailand | Required | $100,000 | — | Cigna Global, Allianz Care, AXA Thailand, AIA Thailand |
| Thailand LTR Visa – Wealthy Global Citizen | Thailand | Required | $50,000 | — | Pacific Cross, AIA Thailand, Allianz Ayudhya, Bupa Global |
| Thailand LTR Visa – Wealthy Pensioner | Thailand | Required | $50,000 | — | Pacific Cross, AIA Thailand, Allianz Ayudhya, Bupa Global |
| Thailand LTR Visa – Work-from-Thailand Professional | Thailand | Required | $50,000 | — | Pacific Cross, AIA Thailand, Allianz Ayudhya, Bupa Global |
| Thailand LTR Visa – Highly Skilled Professional | Thailand | Required | $50,000 | — | Pacific Cross, AIA Thailand, Allianz Ayudhya, Bupa Global |
| Turkey Short-Term Residence Permit | Turkey | Required | — | — | SGK (after employment), Türk Nippon Sigorta, Allianz Türkiye, Cigna Global |
| Turkey Work Permit | Turkey | Required | — | After 0 mo | SGK (via employment), private supplementary |
| Turkey Turquoise Card | Turkey | Required | — | — | SGK (Sosyal Güvenlik Kurumu), Allianz Sigorta, Axa Sigorta, Cigna Turkey |
| UAE Golden Visa | United Arab Emirates | Required | $150,000 | — | Cigna Global, AXA Gulf, Daman, Bupa Arabia |
| UAE Virtual Working Programme (Remote Work Visa) | United Arab Emirates | Required | $150,000 | — | Cigna Global, AXA Gulf, Daman, Now Health International |
| Dubai Freelance Visa (TECOM / Free Zone Permit) | United Arab Emirates | Required | $150,000 | — | Cigna Global, AXA Gulf, Daman, Bupa Arabia |
| UAE Green Visa | United Arab Emirates | Required | $100,000 | — | Daman (Abu Dhabi), AXA Gulf, Bupa Global, MetLife Gulf |
| UAE Blue Residency Visa | United Arab Emirates | Required | — | — | Daman, AXA Gulf, Cigna Global, Allianz Care |
| UAE Retirement Visa | United Arab Emirates | Required | $150,000 | — | Cigna Global, AXA Gulf, Daman, Bupa Arabia |
| UK Student Visa | United Kingdom | Required | — | After 0 mo | NHS (via Immigration Health Surcharge) |
| US F-1 Student Visa | United States | Required | $100,000 | — | ISO Student Health Insurance, PSI Health Insurance, Aetna Student Health, Cigna Global Student |
| US J-1 Exchange Visitor Visa | United States | Required | $100,000 | — | ISO Exchange Visitor Health Insurance, PSI, Cigna Global, GeoBlue Student |
| Vietnam DT Investor Visa | Vietnam | Required | — | — | Bao Viet Insurance, AIA Vietnam, Cigna Global, Bupa Global |
| Argentina Rentista Residency Visa | Argentina | Not required | — | After 0 mo | OSDE, Swiss Medical, Galeno, Medifé |
| Australia Skilled Independent Visa (Subclass 189) | Australia | Not required | — | After 0 mo | Medicare (public), Bupa Australia, Medibank, HCF |
| Australia Visa 858: National Innovation Visa | Australia | Not required | — | After 0 mo | Medicare (public), Bupa Australia, Medibank, NIB |
| Australia Business Innovation and Investment (Provisional) Visa (Subclass 188) | Australia | Not required | — | — | — |
| Australia Working Holiday Visa (Subclass 417) | Australia | Not required | — | — | Allianz Care, NIB, Bupa Travel, Southern Cross Travel |
| Australia Skilled Nominated Visa (Subclass 190) | Australia | Not required | — | After 0 mo | Medicare (public), Bupa Australia, Medibank, HCF |
| Brazil Retirement / Passive Income Visa (VIPER) | Brazil | Not required | — | After 0 mo | — |
| Brazil Investor Visa (VITEM XIV) | Brazil | Not required | — | After 0 mo | — |
| Canada Express Entry (Federal Skilled Worker) | Canada | Not required | — | After 3 mo | Provincial plans (OHIP, RAMQ, etc.), Manulife, Sun Life |
| Canada Start-Up Visa | Canada | Not required | — | After 3 mo | Provincial plans after wait, Manulife, Sun Life |
| Canada Provincial Nominee Program (PNP) | Canada | Not required | — | After 3 mo | Provincial plans |
| Canada IEC Working Holiday | Canada | Not required | — | — | — |
| Canada Express Entry Category-Based Selection | Canada | Not required | — | After 3 mo | Manulife, Sun Life, Green Shield Canada, GMS |
| Comoros Economic Citizenship Programme | Comoros | Not required | — | — | — |
| Estonia Startup Visa | Estonia | Not required | — | — | — |
| France Long-Stay Visitor Visa (VLS-TS Visiteur) | France | Not required | — | — | — |
| Georgia Remotely from Georgia Programme | Georgia | Not required | — | — | GPI Holding, Aldagi, Cigna |
| Georgia Small Business / Individual Entrepreneur Visa | Georgia | Not required | — | — | — |
| Georgia 1% Individual Entrepreneur Tax Regime | Georgia | Not required | — | — | GPI Holding, Aldagi, Cigna Global |
| Germany Freelancer Visa (Freiberufler) | Germany | Not required | — | — | — |
| Germany Job Seeker Visa | Germany | Not required | — | — | — |
| India Business Visa | India | Not required | — | — | Cigna Global, AXA, Allianz Care, GeoBlue |
| India Employment Visa | India | Not required | — | — | Cigna Global, AXA, Niva Bupa, Star Health |
| India e-Tourist Visa (eTV) | India | Not required | — | — | SafetyWing, Allianz Travel, AXA Travel Insurance |
| India Overseas Citizen of India (OCI) Card | India | Not required | — | — | — |
| Italy Investor Visa (Visto per Investitori) | Italy | Not required | — | — | — |
| Mexico Temporary Resident Visa | Mexico | Not required | — | After 0 mo | IMSS (public), GNP Seguros, AXA, Cigna |
| Mexico Temporary Resident Visa (Retirement) | Mexico | Not required | — | After 0 mo | IMSS, Cigna Global, GNP |
| Mexico Permanent Resident Card (Residente Permanente) | Mexico | Not required | — | — | IMSS (voluntary enrollment), GNP Seguros, AXA Seguros, Cigna Global |
| Nauru Citizenship by Investment (Economic and Climate Resilience Citizenship Programme) | Nauru | Not required | — | — | — |
| Netherlands Highly Skilled Migrant (Kennismigrant) | Netherlands | Not required | — | — | — |
| New Zealand Skilled Migrant Category Resident Visa | New Zealand | Not required | — | After 0 mo | ACC (compulsory accident cover), Southern Cross Health Society, NIB NZ, Cigna NZ |
| New Zealand Investor 2 Visa | New Zealand | Not required | — | — | — |
| NZ Active Investor Plus Visa | New Zealand | Not required | — | After 0 mo | Southern Cross Health Insurance, nib NZ, Accuro Health Insurance |
| Paraguay Permanent Residency | Paraguay | Not required | — | — | — |
| Philippines Special Resident Retiree's Visa (SRRV) | Philippines | Not required | — | After 0 mo | PhilHealth (voluntary enrollment), Cigna Global, Pacific Cross, AXA Philippines |
| Philippines Special Investor's Resident Visa (SIRV) | Philippines | Not required | — | — | PhilHealth (voluntary), Pacific Cross, Cigna Global, AXA Philippines |
| Philippines Balikbayan Program (Visa-Free Entry for Former Filipinos) | Philippines | Not required | — | — | — |
| Singapore EntrePass | Singapore | Not required | — | After 0 mo | Great Eastern, AIA Singapore, Prudential Singapore, AXA Singapore |
| Singapore Employment Pass | Singapore | Not required | — | After 0 mo | Great Eastern, AIA, Prudential Singapore, Integrated Shield Plan (ISP) |
| Singapore ONE Pass (Overseas Networks & Expertise Pass) | Singapore | Not required | — | After 0 mo | AIA Singapore, Prudential Singapore, AXA Singapore, Great Eastern |
| Singapore Tech.Pass | Singapore | Not required | — | — | — |
| South Africa Critical Skills Work Visa | South Africa | Not required | — | — | — |
| South Africa Retired Persons Visa | South Africa | Not required | — | — | — |
| Thailand Privilege (Elite) Visa | Thailand | Not required | $0 | — | AXA Thailand, Cigna Global, BUPA Thailand, Pacific Cross |
| UK Skilled Worker Visa | United Kingdom | Not required | — | After 0 mo | NHS (via IHS payment), Bupa, AXA Health |
| UK Global Talent Visa | United Kingdom | Not required | — | After 0 mo | NHS via IHS, Bupa, AXA |
| UK Innovator Founder Visa | United Kingdom | Not required | — | After 0 mo | NHS via IHS |
| UK Ancestry Visa | United Kingdom | Not required | — | — | — |
| UK Graduate Route Visa | United Kingdom | Not required | — | After 0 mo | NHS (via IHS payment), Bupa, AXA Health |
| UK High Potential Individual (HPI) Visa | United Kingdom | Not required | — | After 0 mo | NHS (via IHS payment), Bupa, AXA Health |
| EB-5 Immigrant Investor Visa | United States | Not required | — | — | Aetna, Blue Cross, UnitedHealthcare, Cigna |
| E-2 Treaty Investor Visa | United States | Not required | — | — | Aetna, Blue Cross, Cigna, UnitedHealthcare |
| O-1 Extraordinary Ability Visa | United States | Not required | — | — | Employer-provided typical, ACA marketplace, Aetna, Blue Cross |
| US H-1B Specialty Occupation Visa | United States | Not required | — | — | — |
| US L-1 Intracompany Transferee Visa | United States | Not required | — | — | — |
| United States EB-1A Visa for Individuals with Extraordinary Ability | United States | Not required | — | After 60 mo | Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna |
| United States EB-2 National Interest Waiver | United States | Not required | — | After 60 mo | Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna |
| Puerto Rico Act 60 (Individual Resident Investor & Export Services) | United States | Not required | — | — | — |
| US TN Visa (Trade NAFTA / USMCA Professional) | United States | Not required | — | — | Employer-provided typical, ACA marketplace, Aetna, Blue Cross |
| Uruguay Ordinary Residence Permit (Residencia Permanente) | Uruguay | Not required | — | After 0 mo | Médica Uruguaya, SEMM, Assist Card, Cigna Global |
Reading this matrix
- Required means proof of private cover is a documented application condition. Min. coverage is the stated minimum sum insured where a programme specifies one.
- Public access is when a visa holder can typically enrol in the national health system (often after a residence or contribution period), after which private cover may become optional.
- Example insurers are illustrative, not endorsements — many international carriers (Allianz Care, Cigna Global, Bupa) issue compliant policies for most of these programmes.
See also: Healthcare insurance by country · Years to permanent residency.