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Curacao · @HOME · Insurance

Health insurance for the Curacao @HOME visa

Partially verified Last verified June 15, 2026 Reviewed by Henry van de Vorming

Most digital-nomad visas make health insurance a condition of approval — and the Curacao @HOME is no different. Here's exactly what's required, the plans that plausibly meet it, and what to check before you buy.

The requirement

Insurance
Required (explicit)
Minimum coverage
Not specified
Required for
Full visa period

Official FAQ: 'A valid international travel insurance is required (including COVID-19 coverage)' and 'A valid medical insurance is a prerequisite for approval of your application.' No minimum coverage amount (sum insured) is published. @HOME remote-worker permit holders are non-residents and cannot enrol in the public BVZ scheme, so international/travel medical cover valid for the full stay is effectively mandatory.

Plans that meet the requirement

Ranked by requirement fit, then price. Qualification status is shown per plan — always double-check the policy certificate matches the consulate's wording before you apply.

#1

Nomad Insurance (Essential and Complete plans)

Likely qualifying

SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription

Worldwide travel-medical subscription buyable from anywhere (incl. Curacao) that runs the full stay and issues a downloadable certificate of coverage as visa proof, directly satisfying the @HOME FAQ's 'valid international travel insurance + valid medical insurance' requirement for a non-resident who cannot enrol in public BVZ.

  • Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
  • No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
  • Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64

from €54.36 /mo

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#2

Genki Traveler (successor to Genki Explorer, which was retired)

Likely qualifying

Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance

Worldwide long-stay travel insurance (EUR 1,000,000 medical limit) sold globally with no residency restriction, covering the entire Curacao stay and matching the visa's accepted 'travel'/'international_health' types with no minimum to fall short of.

  • Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
  • Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
  • 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment

from €63.90 /mo

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#3

Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)

Likely qualifying

Cigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance

Worldwide international health plan (Silver $1M / Gold $2M / Platinum unlimited) with no upper age limit, fitting the @HOME requirement for 'valid medical insurance' for a non-resident excluded from public BVZ; only caveat is expat-policy structure (home-country treatment capped), not geography.

  • Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
  • No upper enrollment age (18+); insurer states it does not terminate policies based on age
  • Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium

from — /mo

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#4

MyHealth International

Likely qualifying

APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) · International health insurance

Worldwide MyHealth International plan ($500k-unlimited, 100% hospitalisation+evacuation) designed for expatriates residing outside their country of nationality, which matches Curacao non-resident @HOME holders needing full medical insurance; eligibility limited to ages 16-60/74 and listed countries warrants a buyer check.

  • Four plan tiers with annual limits from EUR/USD 500,000 (Explore) up to unlimited (Extensive/Elite; capped at EUR/USD 2M-4M for treatment in China, Hong Kong, Japan, Singapore, USA)
  • Enrollment from age 10 up to 74 in most countries; one-year contract with automatic renewal
  • Hospitalisation, medical evacuation and cancer treatment at 100% on all tiers, with hospital direct billing and free unlimited 24/7 telehealth (Teladoc)

from €52 /mo

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#5

Foyer Global Health (Essential / Special / Exclusive)

Needs verification

Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance

Worldwide (Region 1) international health plan with unlimited inpatient fits the @HOME 'valid medical insurance' prerequisite, but it requires a min 3-month stay and 12-month contract and is unsuitable for short trips, so suitability depends on the holder's intended stay length.

  • No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
  • Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
  • Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans

from €80 /mo

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#6

World Nomads Travel Insurance (Standard / Explorer)

Needs verification

World Nomads (nib Travel Services; EU product manufactured by Collinson Insurance Europe Ltd) · Long-stay travel insurance

High medical+evacuation travel insurance that would meet the no-minimum requirement, but it is sold mainly to EU/EEA/UK/US residents, so eligibility to purchase must be confirmed for the applicant's residency before relying on it for the Curacao @HOME visa.

  • Can be bought or extended while already abroad (waiting period applies, e.g. 72 hours on EU policies bought mid-trip); max policy duration 12 months for EU residents
  • EU-resident plans carry high emergency medical limits: 5M EUR (Standard) / 10M EUR (Explorer), incl. evacuation and repatriation
  • Covers 150+ adventure sports and activities; Explorer adds more activities and higher sub-limits

from — /mo

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Some links are affiliate links — see our disclosure. Rankings are based on requirement fit, never on commissions.

What to check before you buy

  • 📄The certificate wording matches the visa requirement — name the country and the coverage period explicitly.
  • 💶Coverage is comprehensive (inpatient, outpatient and emergency), since no fixed minimum is published.
  • 🚑Emergency treatment, hospitalisation and medical repatriation are all included.
  • 📅The policy runs the full stay you’re applying for — many travel policies cap the trip length.
  • 🌍You’re actually eligible to buy it (some plans only sell to EU/UK/US residents).
  • 🤝It pairs with how care works locally — see the health system page.
🛡️ How healthcare actually works in Curacao →

Insurance for the @HOME: FAQ

Insurance for the @HOME: FAQ

Is health insurance mandatory for the Curacao @HOME?

Required (explicit). Official FAQ: 'A valid international travel insurance is required (including COVID-19 coverage)' and 'A valid medical insurance is a prerequisite for approval of your application.' No minimum coverage amount (sum insured) is published. @HOME remote-worker permit holders are non-residents and cannot enrol in the public BVZ scheme, so international/travel medical cover valid for the full stay is effectively mandatory.

Can I use regular travel insurance?

Long-stay travel medical insurance is among the accepted types for this program, as long as it meets the coverage minimums for the full required period.

Sources