Best Digital Nomad Health Insurance for Chile
🌍 Why Is Chile a Favorite Destination for Digital Nomads?
Chile is one of South America's most attractive countries for digital nomads and remote workers. With its cosmopolitan cities, political stability, robust economy, and high quality internet availability, Chile offers the perfect setting for working and discovery.
Santiago, Valparaíso, and Viña del Mar are top digital nomad destinations providing coworking facilities, vibrant expat scenes, and convenient access to the Andes Mountains and Pacific Coast. From Patagonian hiking excursions to the Atacama desert, to remote work at a coastal café, Chile provides digital nomads with a great mix of lifestyle, security, and connectivity.
It is however important for anyone living or working remotely in Chile to have the best digital nomad health insurance.
Proof of adequate coverage is often required for long-stay visas, and having travel medical insurance in Chile ensures you’re protected in case of emergencies, illnesses, or travel interruptions.
🏥 Why Digital Nomads Need Health Insurance in Chile?
Health insurance is important for expats and remote workers in Chile — for visa requirements but also for reassurance.
Here's why health insurance is important for digital nomads in Chile:
- Visa requirement: Documentation of medical insurance is usually required when applying for a Chile digital nomad visa or temporary stay.
- Access to good care: Chile's healthcare system ranks among the top in Latin America, but private care (the foreigners' favourite) is insurance-based.
- Spare you from high medical expenses: Without insurance, hospitalization or private treatment is costly.
- Global protection: International policies usually cover you not only in Chile but in all Latin America and worldwide.
- Add dependants: Most expat insurance policies can include dependants such as spouses and children under one policy.
Chile does not yet have a distinct "digital nomad visa" but temporary residence permits or long-stay visas can be applied for by freelancers and remote workers, enabling them to reside in Chile while earning foreign income.
💸 What Is the Cheapest Digital Nomad Insurance for Chile?
The Cheapest digital nomad insurance for Chile is Atlas International from WorldTrips. The other affordable Chile travel insurance for digital nomads are Patriot International Lite from IMG and Travel Medical Global Basic from Seven Corners.
- Available for Non US citizens and US citizens traveling outside their home country.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 79 years.
- Available for both Non US citizens and US citizens traveling outside USA.
- Emergency medical evacuation covers up to $1,000,000.
- Covers acute onset of a pre-existing condition up to 70 years.
Travel Medical Global Basic
Seven Corners
$56 per monthAge: 40 years | Plan: $50,000 | Deductible: $250
- Available for Non US residents traveling to worldwide trips that exclude the USA.
- Emergency medical evacuation covers up to $250,000.
- Covers acute onset of a pre-existing condition up to 79 years.
💡 What Is the Best Digital Nomad Insurance for Chile?
travel_luggage_and_bagsBest travel medical insurance plans for Digital Nomads for Chile
Atlas Nomads Insurance is the perfect health coverage for digital nomads, offering global medical protection with the flexibility to include or exclude the U.S. Stay covered wherever you work or travel, with convenient monthly or annual payments that fit your location-independent lifestyle.
- Available for non-U.S. citizens/residents traveling and working abroad.
- Coinsurance: Plan pays 100% of eligible expenses up to the overall maximum limit
- Acute onset of pre-existing condition: Covers up to policy maximum limit
- Emergency medical evacuation: Up to $100,000
- Urgent care: Up to $50 copayment
- Trip Interruption: Up to $5,000 maximum
- Repatriation of remains: Up to $20,000 maximum
Policy maximum?
Up to age 64: $250,000
Age 65 to 69: $100,000Deductible option?
$0Period of coverage?
364 days
Atlas International Insurance offers flexible, reliable health coverage for remote workers and travelers worldwide. Designed for U.S. and non-U.S. citizens abroad, it provides essential medical protection for trips from 5 to 364 days, with customizable benefits to fit your journey. Stay covered and focus on your work and adventures.
- Available for US and Non US citizens traveling outside USA.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Up to policy maximum for ages up to 79 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: 15 per incident; no copayment if deductible is $0.
- Optional add-on benefits.
- Renewable: Can be renewed and extended up to 364 days.
- Repatriation of Remains: Equal to the elected overall maximum limit.
- Adventure Sports: Includes coverage for eligible sports injuries and illnesses during vacation at no additional cost.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000, $2,000,000Deductible option?
$0, $100, $250, $500, $1,000, $2,500, $5,000Period of coverage?
364 days
Patriot International Lite
Patriot International LitePatriot International Lite is the ideal travel medical insurance for digital nomads, offering essential international coverage so you can work and explore worry-free. With flexible terms from 5 to 364 days, renewable up to 24 months, it suits changing travel plans. Available to U.S. and non-U.S. citizens, it provides customizable benefits for reliable protection wherever your journey takes you.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit.
- Renewable: Renewable up to 2 years.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000,$2,500,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500Period of coverage?
5 days to 364 days
Patriot International Platinum
Patriot International Platinum is ideal for Digital Nomads seeking short-term or long-term international medical coverage with flexible duration and customizable benefits. Available for U.S. and non-U.S. citizens traveling outside their home country.
- Available for both US and Non-US citizens traveling outside the US.
- Coinsurance: After deductible, plan pays 100% up to policy maximum.
- Acute onset of pre-existing condition: Covers up to 70 years.
- Emergency medical evacuation: Up to $1,000,000.
- Urgent care: $30 per incident; no copayment if deductible is $0.
- Repatriation of Remains: Up to overall maximum limit
- Renewable: Renewed for up to 36 months
Policy maximum?
$2,000,000, $5,000,000, $8,000,000Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,0000, $10,0000, $25,0000.Period of coverage?
5 days to 364 days
globe Long-Term travel medical insurance plans for Digital Nomads in Chile
IMG Global Medical
IMG Global Medical Insurance offers comprehensive long-term coverage for digital nomads, with flexible worldwide protection and optional U.S. coverage. Customize your plan with add-ons like preventive and maternity care for total peace of mind wherever you go.
- Coinsurance: In-network: After deductible, plan pays 100%, Out-of-network: After deductible, pays 80% up to $5,000, then 100% up to the max limit
- Direct Billing: United health care ppo or First healthcare (in inside USA)
- Urgent care: Included
- Pre-existing Conditions: Bronze – Not covered; Silver/Gold – Covered if disclosed and not excluded (unknown: $5K/period, $50K/lifetime after 24 months); Platinum – Covered if disclosed and not excluded with higher limits
- Emergency medical evacuation: Up to lifetime maximum
- Repatriation of remains: Up to $50,000 maximum
Policy maximum?
Bronze: $1,000,000 | Silver: $5,000,000 | Gold: $5,000,000 | Platinum: $8,000,000Deductible option?
$100 to $25,000Period of coverage?
Lifetime
Worldwide Premier
Worldwide PremierThe BCBS Global Solutions Worldwide Premier Plan is a year-long travel medical insurance made for people who travel frequently outside their home country. Instead of buying a new policy every time you travel, you buy this once a year and you’re covered for unlimited trips during that year.
- Pre-existing conditions: Immediate coverage of pre-existing conditions with proof of previous coverage.
- Emergency medical evacuation: Up to $250,000.
- Repatriation of remains: Up to $25,000 maximum.
- Accidental Death & Dismemberment: Up to $50,000
- Emergency Medical Transportation: Up to $250,000
- 24/7 customer service and support available.
Policy maximum?
Unlimited annual and lifetime maximumDeductible option?
$0, $1,000, $2,000, $5,000, $10,000Period of coverage?
Lifetime
💰 How Much Does Digital Nomad Health Insurance Cost in Chile?
Short-term travel medical insurance for digital nomads starts at just $39 per month. The cost may vary depending on the traveler's age, trip duration, selected policy maximum, and deductible. These plans are ideal for digital nomads taking shorter trips or staying abroad for limited periods. Short-term coverage typically offers essential medical benefits at affordable rates, with policy maximums ranging from $50,000 to $2 million.
| Plan name | Policy Maximum | Cost for 30 yrs* | Cost for 40 yrs* | Cost for 50 yrs* |
|---|---|---|---|---|
| Atlas International | $50,000 | $39 | $68 | $116 |
| Patriot International Lite | $50,000 | $41 | $69 | $118 |
| Atlas Nomads | $250,000 | $57 | $93 | $147 |
| Patriot Platinum International | $2,000,000 | $87 | $145 | $246 |
*Based on ages of digital nomads, with a $0 deductible.
Long-term travel medical insurance for digital nomads starts at around $1,500 per year. The cost may vary based on the traveler's age, length of coverage, policy maximum, and deductible. These plans are ideal for digital nomads living abroad for extended periods or frequently relocating across countries. Long-term insurance typically offers broader medical coverage, higher policy limits (up to $10 million), and enhanced global support services.
| Plan name | Policy Maximum | Deductible | Cost of 30 yrs# | Cost of 40 yrs# | Cost of 50 yrs# |
|---|---|---|---|---|---|
| Worldwide Premier | $10,000,000 | $0 | $870 | $1,099 | $1,774 |
| Global Medical Bronze | $1,000,000 | $250 | $1,523 | $1,827 | $1,921 |
| Global Medical Gold | $5,000,000 | $250 | $3,576 | $4,116 | $7,404 |
#Based on ages of digital nomads.
📋 What Are the Requirements for Remote Work in Chile?
- Valid passport: Minimum six months' validity.
- Visa type: Temporary Residence or Work-from-Abroad Visa.
- Evidence of income: Regular foreign income or freelance agreements.
- Health insurance: Compulsory — needs to pay for your entire stay in Chile.
- Evidence of accommodation: Rental agreement or address registration.
- Clean criminal record: Certificate from your home country.
Tip: There is a proposal for a standalone Chile digital nomad visa program underway, so it is advisable to check latest embassy regulations prior to applying.
🛡️ What Does Digital Nomad Insurance Cover in Chile?
Digital nomad insurance in Chile is tailored for remote workers, entrepreneurs, and freelancers who reside internationally. It offers valuable medical and travel coverage for short-term and extended stays.
- Emergency medical and hospital charges.
- Outpatient services, doctor visits, and medications.
- Medical evacuation and repatriation.
- Remains repatriation.
- Pre-existing condition coverage (according to insurer policy).
- Lost or delayed luggage.
- Trip cancellation or interruption.
- Optional adventure sports coverage (trekking in Patagonia or skiing in the Andes).
⏳ Long-Term Health Coverage for Digital Nomads in Chile
For digital nomads with extended periods of stay, international or expat health insurance is strongly advised. International or expat health insurance provides wider coverage than travel insurance for short periods and usually covers:
- Preventive care and yearly checkups.
- Hospitalization and consultations with specialists.
- Maternity and mental health coverage.
- Prescription drugs.
- Global travel coverage.
Whether you're working from a coworking space in Santiago or venturing out to remote areas such as Atacama Desert, extended coverage provides stability, ease, and adherence to visa requirements.
❓ Travel Health Insurance for Digital Nomads in Chile FAQs
🩺 Do You Need Health Insurance for a Chile Digital Nomad Visa?
Yes. Health insurance is mandatory when applying for the Chile Digital Nomad Visa. You must show proof of coverage that includes emergency medical care, hospitalization, medical evacuation, and repatriation for your entire stay in Chile. The plan should also cover travel within South America. Tip: It’s best to purchase your international digital nomad insurance before traveling to Chile to simplify the visa process and ensure protection from day one.
🛡️ Can You Purchase Insurance After Arrival in Chile?
Yes, you can purchase international or domestic health insurance once you are in Chile. Still, because insurance documents are necessary for residence registration, obtaining coverage prior to this avoids processing delays and guarantees continuous coverage.
🧳 Can You Use Travel Insurance as Digital Nomad Insurance in Chile?
Yes, some international travel medical insurance policies are appropriate for digital nomads in Chile. Provided that they qualify under visa and residency requirements, such policies can serve as adequate proof of health insurance for remote workers who stay for extended periods.
⏳ How Long Should Your Insurance Coverage Last?
Your digital nomad health insurance in Chile should be valid for your entire visa period or intended stay. For long-term freelancers, choosing an annual or renewable international policy ensures continuous coverage throughout your time in Chile.
💰 Is Digital Nomad Insurance Expensive in Chile?
The price of digital nomad insurance in Chile varies with your age, the level of coverage, and your stay duration. Yet, Chile has a low cost of living, and numerous world-wide insurers have affordable international policies aimed at remote workers. At American Visitor Insurance, Digital Nomads can compare the find the best Digital Nomad insurance to fit their specific needs for Chile. These policies offer balance in terms of complete benefits and affordability, and they are perfectly suited for digital nomads working or residing in Chile.
