Montenegro
Digital Nomad Residence Permit: health insurance requirements
Yes: health insurance is required
Yes. Montenegro's digital nomad residence permit requires valid health insurance covering Montenegro for the stay; no specific minimum sum is confirmed in the nomad rule. It is for people working online for a foreign employer or their own foreign company (not for Montenegrin clients), runs up to two years and extends for up to two more, and exempts foreign income from Montenegrin tax. The income test is pegged to three times the Montenegrin minimum wage.
The requirements at a glance
| Minimum policy duration | Full duration of stay |
|---|---|
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Valid health insurance covering Montenegro for the full stay. No specific minimum coverage sum is confirmed for the nomad permit (the €30,000 figure belongs to ordinary visa applications); given that complex cases are referred abroad, a policy including medical evacuation is the priority. Confirm the current requirement with the interior ministry (MUP). |
For non-EU nationals working online for a foreign employer or their own company not registered in Montenegro (no Montenegrin clients). Up to two years, extendable for up to two more (about four total), with a six-month gap before a new permit. Income pegged to three times the Montenegrin minimum wage (reported at roughly €1,350–€2,010/month; verify the live figure with MUP). Foreign-source income is exempt from Montenegrin income tax, though 183+ days can trigger tax residency. Applied in person at the MUP regional unit. Montenegro is outside the EU and Schengen.
Our take
The nomad rule names insurance but not a number, and the figure that should drive your cover is evacuation: Montenegro refers serious cases abroad to Belgrade, Croatia or Italy.
Carry valid cover for Montenegro that includes medical evacuation, and confirm the current insurance and income figures with MUP, since public sources disagree.
What happens if you get it wrong
Without valid health insurance covering Montenegro, the residence application is incomplete, and it is rechecked at renewal.
A policy without evacuation leaves the real gap, since the local system refers complex cases abroad.
Interactive
Verified pricesWhat would it cost in Montenegro without insurance?
You pay, out of pocket
$2,100–$6,000
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, valid health insurance covering Montenegro for the stay. No specific minimum sum is confirmed for the nomad permit, so insure for the real risk and prioritise evacuation.
It is pegged to three times the Montenegrin minimum wage, reported at roughly €1,350 to €2,010 a month. Confirm the current figure with the interior ministry.
Foreign-source income under the permit is exempt from Montenegrin income tax, though spending 183+ days can make you tax-resident.
No. Montenegro is outside Schengen, so a stay there does not count against the Schengen 90-in-180 allowance.
Up to two years, extendable for up to two more (about four years total).
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: digitalnomads.gov.meLast verified
Get a policy that satisfies this visa
Three minutes of honest questions, then we'll match you to insurance that meets Montenegro'srequirements and actually works where you're going.
Find my plan