Latvia
Latvia Digital Nomad Visa: health insurance requirements
Yes: health insurance is required
Latvia introduced its Digital Nomad Visa in 2022 as a long-stay (category D) visa. It is open only to remote workers employed by, or owning, a company registered in an OECD member state, with at least six months of prior employment with that employer. The official income test is 2.5 times Latvia's prior-year average gross wage, which the migration authority (PMLP) currently puts at €4,213 a month, and health insurance is mandatory.
The requirements at a glance
| Minimum coverage | €42,600 |
|---|---|
| Repatriation required | Yes |
| Minimum policy duration | Full duration of stay |
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | A health insurance policy valid in the Republic of Latvia and the Schengen member states, with the insurer's minimum liability limit stated in the policy no lower than €42,600, covering treatment, hospitalisation and repatriation for the whole period of stay. |
Applicant must work for, or own, a company registered in an OECD member state and provide a certificate of at least six months' prior employment with that employer (self-employed with an OECD-registered business also qualify). Income must be at least 2.5x Latvia's prior-year average gross monthly wage (currently stated as €4,213/month) and evidenced for the months before applying. Granted for up to one year; state fee €90 standard or €180 expedited. The visa carries no right to take up local employment in Latvia.
Our take
Latvia is one of the few nomad visas that prints an explicit insurance figure: your policy must show an insurer liability limit of at least €42,600, valid in Latvia and across Schengen, and cover treatment, hospitalisation and repatriation for the entire stay. A bare Schengen €30,000 policy is below that bar, so check the liability limit on your certificate, not just the buzzwords.
The eligibility gate is the OECD-employer rule, not the money. You must be tied to a company registered in an OECD country with six months of history, which rules out many freelancers with non-OECD clients. If you qualify, the €4,213 income test (2.5x the average gross wage) and the insurance proof are the straightforward parts.
What happens if you get it wrong
Submitting a generic Schengen travel policy with only the €30,000 minimum. Latvia wants a higher €42,600 liability limit and explicit repatriation cover, so a thin policy gets the file rejected; confirm the liability figure and that repatriation is named.
Assuming the visa buys you local rights. It does not let you take a Latvian job, and the income figure tracks Latvia's average wage, so the €4,213 number can move year to year; verify the current threshold with PMLP before you apply rather than relying on an old quote.
Interactive
Verified pricesWhat would it cost in Latvia without insurance?
You pay, out of pocket
$1,200–$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. You must hold a health policy valid in Latvia and the Schengen states for the whole stay, with the insurer's minimum liability limit no lower than €42,600, covering treatment, hospitalisation and repatriation.
The official test is 2.5 times Latvia's prior-year average gross salary. The migration authority (PMLP) currently states this as €4,213 a month, evidenced for the months before you apply.
Remote workers employed by, or owning, a company registered in an OECD member state (the US, UK, Canada, Australia and Japan all qualify), with a certificate of at least six months' prior employment with that employer.
It is a long-stay (category D) visa granted for up to one year. The state fee is €90 standard, or €180 for expedited processing. It does not allow you to take a local Latvian job.
No. Latvia sets a higher bar: the insurer's minimum liability limit must be at least €42,600, valid in Latvia and Schengen, covering treatment, hospitalisation and repatriation for the full stay.
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: pmlp.gov.lvLast verified
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