English 
Français Most digital-nomad visas make health insurance a condition of approval — and the Estonia DNV 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
A valid medical insurance contract guaranteeing payment of treatment costs for the full visa period is mandatory. No fixed EUR minimum is published for the long-stay D-visa (the EUR 30,000 figure is the Schengen C-visa standard).
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.
SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription
Schengen-30k-compliant nomad subscription that issues a certificate of coverage for the full D-visa period.
- 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
View plans (opens in a new tab)Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance
Schengen-30k-compliant long-stay policy (EUR 1M) covering the full visa period.
- 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
View plans (opens in a new tab)APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) · International health insurance
Schengen-30k-compliant international full health plan with 100% hospitalisation and repatriation.
- 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
View plans (opens in a new tab)Care Concept AG (Bonn, Germany) · Long-stay travel insurance
Schengen-30k-compliant long-stay product generally accepted for Schengen visas; Estonian consular acceptance not confirmed.
- Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
- Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
- Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)
from €58 /mo
View plans (opens in a new tab)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.
Insurance for the DNV: FAQ
Insurance for the DNV: FAQ
Is health insurance mandatory for the Estonia DNV?
Required (explicit). A valid medical insurance contract guaranteeing payment of treatment costs for the full visa period is mandatory. No fixed EUR minimum is published for the long-stay D-visa (the EUR 30,000 figure is the Schengen C-visa standard).
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
- Government Long-term visa — Police and Border Guard Board (opens in a new tab) accessed 2026-06-15