Insurance for Working Abroad

Insurance for Working Abroad

A short standard "travel" policy usually isn't enough for long-term work abroad — it's built for short trips, not ongoing residence. Employers, embassies, and immigration services apply stricter requirements to insurance for employment.

Key policy requirements:

  • Coverage amount: The minimum coverage depends on the country of employment — typically €30,000+ for the EU, $50,000+ for the US, Canada, or the UK.
  • Validity period: The policy must cover the entire contract period, or at least 365 days for a one-year work visa.
  • Zero deductible (0% / 0 EUR/USD): For embassies and immigration services, it's essential that the policy has no deductible — the amount an employee pays out of pocket for each claim.
  • Mandatory core coverage: Emergency outpatient and inpatient care; prescription medication; medical transport, evacuation, and repatriation; treatment for acute conditions.
  • Territory of coverage: The policy must clearly state the country of employment or the region it covers.
  • Insurer accreditation: The insurance company must be recognized by the embassy or immigration service of the country of employment.

Two stages of insurance for working abroad

  1. 1Work visa application and entry: At this stage, an international policy is issued — needed for the work visa application and your first days in the country.
  2. 2After starting employment: In many countries, employers are required to enroll employees in the local health insurance system (e.g. mandatory state insurance in Germany or Poland) — this replaces the travel policy on an ongoing basis.

Insurance options

For 1 year
Coverage limit

How to insure working abroad

1

Pick your dates

Select 365 days or your full contract period — the policy must cover your entire stay.

2

Set your trip purpose

Choose "Work" as the trip purpose in the calculator.

3

Check the coverage limit

Match the coverage amount to your country of employment's requirements.

4

Get your policy

The policy is issued instantly with a zero deductible — ready to submit for your work visa.

The information on this page is for general guidance only and is not an authoritative source. Please confirm work-visa or permit requirements with the embassy or immigration service of your destination country, and check coverage details in the insurance contract.