Estonia
Digital Nomad Visa: health insurance requirements
Yes: health insurance is required
Yes. Estonia's Digital Nomad Visa, the EU's first (August 2020), requires health insurance valid in Estonia for the whole stay, in practice the Schengen €30,000 standard. It is for people working for a foreign employer, their own company abroad, or foreign clients, on income of €4,500 a month evidenced over the preceding six months, and is issued as a short-stay (up to 90 days) or long-stay (up to one year) visa. Note that e-Residency is a separate digital business identity, not this visa.
The requirements at a glance
| Minimum policy duration | Full duration of stay |
|---|---|
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Health insurance valid in Estonia for the entire stay. In practice this is the Schengen standard of €30,000 in medical cover including emergency treatment, hospitalisation and repatriation; an international policy meeting that is accepted. |
For people working location-independently for a foreign employer, their own company registered abroad, or clients mostly outside Estonia. Income of €4,500/month (the official figure, described as net), evidenced over the six months before applying. Issued as a Type C short-stay (up to 90 days) or Type D long-stay (up to one year) visa; apply at an Estonian embassy or consulate. e-Residency is a separate digital ID, not a visa or residence permit.
Our take
The income bar is high, but the insurance ask is standard Schengen, so your existing international plan works if it is valid in Estonia at €30,000+ with repatriation.
The thing people get wrong is e-Residency: it is a business tool, not a way to live here, so do not rely on it for the stay.
What happens if you get it wrong
A policy not valid in Estonia, or under the Schengen €30,000 standard, holds up the visa.
Treating e-Residency as a residence right leaves you with no actual basis to stay.
Interactive
Verified pricesWhat would it cost in Estonia without insurance?
You pay, out of pocket
$2,300–$8,000
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, health insurance valid in Estonia for the whole stay, in practice the Schengen €30,000 standard covering treatment, hospitalisation and repatriation.
€4,500 a month (the official figure, described as net), evidenced over the six months before you apply.
No. e-Residency is a digital business identity; it is not a visa or residence permit and gives no right to live in or enter Estonia.
Up to 90 days as a short-stay visa, or up to one year as a long-stay visa.
No. An international policy valid in Estonia at the Schengen standard is accepted.
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: e-resident.gov.eeLast verified
Get a policy that satisfies this visa
Three minutes of honest questions, then we'll match you to insurance that meets Estonia'srequirements and actually works where you're going.
Find my plan