Health insurance for the Montenegro DNV visa

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

Worldwide international health plan (Silver $1M / Gold $2M / Platinum unlimited, no upper age limit) covering Montenegro far above the EUR 30,000 minimum and matching the 'international_health' type required for the longer permit-duration policy.

• ✓ 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

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

Travel-medical subscription (USD 250k Essential, ~EUR 217k / USD 1.5M Complete) worldwide incl. Montenegro, can be bought while already abroad and issues a downloadable certificate of coverage, fitting the 'travel insurance acceptable initially' note and clearing EUR 30,000.

• ✓ 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

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

Genki Traveler long-stay travel insurance with a EUR 1,000,000/yr limit, worldwide and with no residency restriction, comfortably exceeds the EUR 30,000 minimum and matches the accepted 'travel' type for the full Montenegro stay.

• ✓ 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

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

MyHealth International full international health cover ($500k to unlimited, hospitalisation and evacuation 100%) is worldwide incl. Montenegro and satisfies the 'international_health' type for the permit duration; only minor caveat is the max age 74 (60 in some markets).

• ✓ 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)

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

Worldwide international health plan with unlimited inpatient cover, far above EUR 30,000 and matching 'international_health'; its only exclusion (US permanent residents) is irrelevant to relocating to Montenegro.

• ✓ 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

Care Concept AG (Bonn, Germany) · Long-stay travel insurance

Care Expatriate is a worldwide long-stay expat product explicitly marketed as authority-recognised with coverage exceeding EUR 30,000, fitting the permit duration, but no overall indemnity maximum is published and per-benefit sub-limits mean threshold/type fit against this visa should be 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)