Curaçao
@HOME in Curaçao Remote Worker / Digital Nomad Permit: health insurance requirements
Yes: health insurance is required
Curaçao runs a real remote-work permit, branded @HOME in Curaçao, for people working remotely for an employer or clients outside the island. It grants six months, extendable by another six, with an application cost of about ANG 535 (US$294), and holders pay no Curaçao income tax. Health insurance is a prerequisite for approval; there is no officially published minimum income figure.
The requirements at a glance
| Repatriation required | Not required |
|---|---|
| Minimum policy duration | Full duration of stay |
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Proof of valid international travel and medical insurance (including COVID-19 coverage) submitted with the online application; medical insurance is a stated prerequisite for approval. |
Work must be for an employer or clients outside Curaçao (no local employment). Valid passport, livable income and sufficient funds (no official minimum figure published), and a residential address on the island. Permit grants 6 months, extendable by a further 6. Holders are not liable for Curaçao income tax.
Our take
The insurance rule is real but loosely specified: the @HOME program requires valid international travel and medical insurance, explicitly including COVID-19 coverage, as a prerequisite for approval, yet sets no minimum sum and does not force you to buy locally. That freedom is the trap. A thin policy can satisfy the paperwork while leaving you badly exposed if you actually need help.
On Curaçao the figure that should drive your cover is the air ambulance, not the doctor's fee. The island's own US Consulate says local care is limited and that critically ill patients are normally transferred to Colombia at their own cost, with a US transfer running roughly US$15,000 to US$25,000. Buy a policy with strong medical evacuation and repatriation, and if you dive, confirm diving is covered.
What happens if you get it wrong
Treating the COVID-19 clause as the whole insurance test. The program names it specifically, but a policy that ticks that box yet carries weak or capped medical evacuation cover is the one that fails you when a serious case has to leave the island.
Assuming the headline income figures you see online are official. There is no published minimum, only a livable-income and sufficient-funds standard, so applicants who plan around an invented threshold can mismatch what the program actually asks for; verify directly before applying.
Interactive
Verified pricesWhat would it cost in Curaçao without insurance?
You pay, out of pocket
$300–$800
A night admitted; a serious case or off-island evacuation runs far higher.
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. A valid international travel and medical insurance, including COVID-19 coverage, is a stated prerequisite for approval of the @HOME in Curaçao application.
No. The program publishes no minimum sum and does not require a local insurer, so the choice of policy is yours. Given the off-island evacuation reality, prioritise strong medical evacuation cover.
There is no officially published figure. You must show a livable income and sufficient funds, so any specific monthly amount you see quoted online is unofficial and should be verified with the program.
It grants six months and is eligible for a further six-month extension. The application cost is about ANG 535 (roughly US$294).
No. Remote-work permit holders are not liable for Curaçao income tax, and you cannot work for or be employed by a local company.
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: athomeincuracao.comLast verified
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