English 
Français La mayoría de los visados para nómadas digitales convierten el seguro médico en una condición para la aprobación — y el DNV de Montenegro no es diferente. Aquí tienes exactamente qué se exige, los planes que plausiblemente lo cumplen y qué comprobar antes de contratarlo.
El requisito
- Seguro
- Obligatorio (explícito)
- Cobertura mínima
- €30,000
- Obligatorio para
- Toda la vigencia del visado
Valid private health insurance covering medical treatment in Montenegro for the full duration of the residence permit is a mandatory application document under the Law on Foreigners; the official portal lists 'health insurance' as a required document but does NOT publish a fixed coverage figure. A minimum coverage of EUR 30,000 is widely and consistently cited across 2026 immigration sources, but is not cleanly confirmed as a gazetted number on the government portal, so treat the 30k threshold as widely-reported rather than definitively official. Travel/tourist insurance is reported as acceptable for the initial submission, with a longer-term (annual / 2-year) policy then required to match the permit term. Digital-nomad holders are not enrolled in Montenegro's public health system.
Planes que cumplen el requisito
Ordenados por adecuación al requisito y, después, por precio. El estado de cumplimiento se muestra por plan — comprueba siempre que el certificado de la póliza coincide con la redacción del consulado antes de presentar la solicitud.
Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)
Likely qualifyingCigna 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
from — /mo
View plans (opens in a new tab)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
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
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
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
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)
from €52 /mo
View plans (opens in a new tab)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
from €80 /mo
View plans (opens in a new tab)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)
from €58 /mo
View plans (opens in a new tab)Algunos enlaces son de afiliación — consulta nuestra divulgación. Las clasificaciones se basan en la adecuación al requisito, nunca en comisiones.
Qué comprobar antes de contratar
- 📄La redacción del certificado coincide con el requisito del visado — debe nombrar explícitamente el país y el periodo de cobertura.
- 💶La cobertura alcanza o supera el mínimo de €30,000.
- 🚑El tratamiento de urgencia, la hospitalización y la repatriación médica están todos incluidos.
- 📅La póliza cubre toda la estancia para la que solicitas el visado — muchas pólizas de viaje limitan la duración del trayecto.
- 🌍Eres realmente elegible para contratarlo (algunos planes solo se venden a residentes de la UE, el Reino Unido o EE. UU.).
- 🤝Encaja con el funcionamiento de la asistencia sanitaria local — consulta la página del sistema sanitario.
Seguro para el DNV: preguntas frecuentes
Seguro para el DNV: preguntas frecuentes
¿Es obligatorio el seguro médico para el DNV de Montenegro?
Obligatorio (explícito). Valid private health insurance covering medical treatment in Montenegro for the full duration of the residence permit is a mandatory application document under the Law on Foreigners; the official portal lists 'health insurance' as a required document but does NOT publish a fixed coverage figure. A minimum coverage of EUR 30,000 is widely and consistently cited across 2026 immigration sources, but is not cleanly confirmed as a gazetted number on the government portal, so treat the 30k threshold as widely-reported rather than definitively official. Travel/tourist insurance is reported as acceptable for the initial submission, with a longer-term (annual / 2-year) policy then required to match the permit term. Digital-nomad holders are not enrolled in Montenegro's public health system.
¿Qué cobertura mínima se exige?
La cobertura médica mínima publicada es de €30,000, obligatoria durante: toda la vigencia del visado.
¿Puedo usar un seguro de viaje normal?
El seguro médico de viaje de larga estancia figura entre los tipos aceptados para este programa, siempre que cumpla los mínimos de cobertura durante todo el periodo exigido.
Fuentes
- Government Digital Nomads - Government of Montenegro official portal (opens in a new tab) accessed 2026-06-15
- Law firm Montenegro: Digital Nomad Permit, Visa Pathways Available - Fragomen (2y + 2y validity, max 4y, 6-month re-apply rule, D-visa route, foreign-company work only) (opens in a new tab) accessed 2026-06-15
- Media Montenegro Digital Nomad Visa 2026: Tax, Cost, Expiry (income EUR 1,800-2,400; EUR 30,000 insurance minimum; ~EUR 67 government fee; 0% tax on foreign income; ~40-day decision; programme to 31 Dec 2026, no extension announced as of 24 May 2026) (opens in a new tab) accessed 2026-06-15