English 
Français La plupart des visas pour nomades numériques font de l'assurance santé une condition d'approbation — et le DNV de Montenegro ne fait pas exception. Voici exactement ce qui est exigé, les formules qui répondent vraisemblablement à l'exigence et ce qu'il faut vérifier avant de souscrire.
L'exigence
- Assurance
- Obligatoire (explicite)
- Couverture minimale
- €30,000
- Exigée pour
- Toute la durée du visa
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.
Formules répondant à l'exigence
Classées par adéquation à l'exigence, puis par prix. Le statut d'éligibilité est indiqué pour chaque formule — vérifiez toujours que le certificat de la police correspond à la formulation du consulat avant de déposer votre demande.
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)Certains liens sont des liens d'affiliation — voir notre divulgation. Les classements reposent sur l'adéquation à l'exigence, jamais sur les commissions.
Ce qu'il faut vérifier avant de souscrire
- 📄La formulation du certificat correspond à l'exigence du visa — il nomme explicitement le pays et la période de couverture.
- 💶La couverture atteint ou dépasse le minimum de €30,000.
- 🚑Les soins d'urgence, l'hospitalisation et le rapatriement médical sont tous inclus.
- 📅La police couvre tout le séjour pour lequel vous postulez — beaucoup d'assurances voyage plafonnent la durée du séjour.
- 🌍Vous êtes bien éligible à la souscription (certaines formules ne sont vendues qu'aux résidents de l'UE/du Royaume-Uni/des États-Unis).
- 🤝Elle s'accorde avec le fonctionnement des soins sur place — voir la page système de santé.
Assurance pour le DNV : FAQ
Assurance pour le DNV : FAQ
L'assurance santé est-elle obligatoire pour le DNV de Montenegro ?
Obligatoire (explicite). 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.
Quelle couverture minimale est exigée ?
La couverture médicale minimale publiée est de €30,000, exigée pour : toute la durée du visa.
Puis-je utiliser une assurance voyage classique ?
L'assurance médicale voyage longue durée fait partie des types acceptés pour ce programme, tant qu'elle atteint les minimums de couverture sur toute la période exigée.
Sources
- 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