Antigua and Barbuda
Nomad Digital Residence (NDR) Visa: health insurance requirements
Yes: health insurance is required
Antigua and Barbuda's Nomad Digital Residence (NDR) visa lets remote workers live on the islands for two years while working for an employer or clients abroad. It requires a declared income of at least US$50,000 a year and medical insurance covering the full stay, and foreign income is not taxed locally. Fees are US$1,500 for a single applicant, US$2,000 for a couple and US$3,000 for a family of three.
The requirements at a glance
| Repatriation required | Not required |
|---|---|
| Minimum policy duration | Full duration of stay (up to 2 years) |
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Certificate or proof of medical/travel insurance covering the full intended period of stay, submitted with the online application. |
Applicant must be at least 18, hold a clean criminal record (police clearance for each applicant over 16), and be employed by or own a business registered outside Antigua and Barbuda. Declared income of at least US$50,000 per year. Fees: US$1,500 single, US$2,000 couple, US$3,000 family of three, plus US$650 per additional dependent. No personal income tax on foreign earnings.
Our take
The insurance rule is a real gate, not a box-tick: the government states explicitly that your home-country health benefits do not apply to care received in Antigua and Barbuda, so you need a standalone policy that runs the full length of the visa.
No minimum coverage figure is published, which means the smart move is to ignore the headline number and focus on scope. With a single public hospital and serious cases flown abroad, a policy with strong medical evacuation cover is what protects you here.
What happens if you get it wrong
Buying a policy that lapses or excludes the destination: cover must span the full stay, and a home plan that only reimburses domestic care will not satisfy the requirement or pay an island bill.
Assuming a clinic will bill your insurer: private clinics commonly demand prepayment and may not accept travel insurance as payment, so a policy without easy out-of-pocket reimbursement leaves you fronting large sums.
Interactive
Verified pricesWhat would it cost in Antigua & Barbuda without insurance?
You pay, out of pocket
$2,100–$7,000
A serious private admission or common surgery.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
Yes. Applicants must provide proof of medical insurance covering the full intended period of stay. The government notes that home-country benefits do not apply to treatment received locally, so a dedicated travel or international policy is needed.
No official minimum sum is published. Because there is no stated figure, the practical priority is scope of cover, especially medical evacuation, rather than a specific dollar amount.
You must declare an expected income of at least US$50,000 a year for each of the two years and show you can support yourself and any dependents. The income must come from an employer or business outside Antigua and Barbuda.
The NDR visa runs two years from the date of approval. Fees are US$1,500 for a single applicant, US$2,000 for a couple and US$3,000 for a family of three, with an additional US$650 per dependent beyond three.
No. Foreign income earned while on the NDR visa is not taxed locally, and Antigua and Barbuda levies no personal income tax in any case.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: nomad.gov.agLast verified
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