Evidence-based visa insurance compliance

VisaFact: Digital Notary for Insurance Requirements

We translate official authority requirements into a clear compliance result, backed by sources and snapshots. No source = UNKNOWN.

Open Compliance Checker Read Methodology

Every result links to evidence. Missing evidence is explicitly marked UNKNOWN.

Evidence Snapshot

Sources

Official

Status Model

GREEN / YELLOW / RED / UNKNOWN

Snapshot

Versioned

No source = UNKNOWN. Evidence excerpts included.

How it works

Authority requirements

We capture official rules with citations, locators, and verification dates.

Product facts

Policies are tied to versions and evidence snapshots for auditability.

Rules engine

VisaFacts are compared to ProductFacts to produce the compliance status.

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Disclaimer

Not legal advice. Always confirm requirements with official sources.

Digital nomad insurance requirements (Americas - verified subset)

Short answer The verified Americas subset in this dataset is Costa Rica Digital Nomad Visa. Executive Decree 43619 requires health insurance with at least US $50,000 in medical coverage and coverage for the full authorized legal stay period (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12). Key findings at a glance Item Value Route covered Costa Rica Digital Nomad Visa Evidence verified 2026-01-12 Snapshot releases/2026-01-15 Minimum coverage US $50,000 (medical expenses) Coverage duration Full authorized legal stay What the authority requires Health insurance is mandatory for the digital nomad visa. (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12) Minimum medical coverage is US $50,000 for illnesses in Costa Rica. (Source: CR_DECREE_43619_2026, locator: Article 9 - Minimum Coverage Amount; verified 2026-01-12) The policy must cover the entire authorized legal stay period. (Source: CR_DECREE_43619_2026, locator: Article 9 - Coverage Duration; verified 2026-01-12) Normalized requirements table: ...

Digital nomad insurance requirements (Asia - verified subset)

Short answer The verified Asia subset in this dataset is Thailand DTV (Thai E-Visa). The official DTV Workcation requirements list does not include insurance among required documents, so the checker marks insurance as NOT_REQUIRED for this route (Source: TH_MFA_DTV_2026, locator: Complete requirements list for all DTV categories; verified 2026-01-12). Key findings at a glance Item Value Route covered Thailand DTV (Thai E-Visa) Evidence verified 2026-01-12 Snapshot releases/2026-01-15 Insurance status NOT_REQUIRED Required documents (non-insurance) Passport, photo, proof of location, financial proof, employment/portfolio What the authority requires The official DTV requirements list includes the following documents and does not list insurance as required: ...

Digital nomad insurance requirements (Europe - verified subset)

Short answer Europe does not have a single insurance standard for digital nomad routes. This hub summarizes the verified subset in this dataset: Spain DNV, Portugal E11, Germany Freelance (national D), and Malta Nomad Residence Permit. Each route has distinct authority language and evidence dates (Sources: BLS_ES_DNV_LONDON_2026, VFS_PT_E11_CHINA_2025, DE_D_VISA_HEALTH_INSURANCE_2026, MT_RESIDENCY_FAQ_2026). Key findings at a glance Item Value Routes covered Spain DNV, Portugal E11, Germany Freelance, Malta Nomad Evidence verified 2026-01-12 to 2026-01-15 Snapshot releases/2026-01-15 Spain DNV highlights Unlimited coverage, no deductibles, insurer authorized in Spain Germany Freelance highlights Health insurance commensurate with statutory coverage; travel insurance not sufficient Malta highlights Insurance mandatory; monthly payment policies not accepted What the authority requires Spain DNV (BLS London): insurer authorized in Spain, comprehensive and unlimited coverage, no deductible, no co-payments, no moratorium, and coverage of public health system risks. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Portugal E11 (VFS China): valid travel insurance covering medical expenses, urgent medical assistance, and possible repatriation. (Source: VFS_PT_E11_CHINA_2025, locator: page 1, General Requirements; verified 2026-01-15) Germany Freelance (national D): health insurance commensurate with German statutory minimum; travel insurance not sufficient. (Source: DE_D_VISA_HEALTH_INSURANCE_2026, locator: Health insurance requirements for national (category D) visas; verified 2026-01-15) Malta Nomad Residence: health insurance mandatory; monthly payment policies are not acceptable and full-year prepayment may be required. (Source: MT_RESIDENCY_FAQ_2026, locator: FAQ - Health Insurance Requirements; verified 2026-01-12) Normalized requirements table: ...

Spain DNV insurance requirements (evidence-based)

Short answer Spain’s Digital Nomad Visa (BLS London route) requires comprehensive health insurance from an insurer authorized to operate in Spain, with unlimited coverage and no deductibles, co-payments, or waiting period. The checklist also requires coverage of risks insured by Spain’s public health system (Source: BLS_ES_DNV_LONDON_2026, page 2, item 9; verified 2026-01-12). Key findings at a glance Item Value Route Spain DNV (Consulate via BLS London) Evidence verified 2026-01-12 Snapshot releases/2026-01-16 GREEN / RED / UNKNOWN 1 / 5 / 1 What the authority requires ...

Costa Rica Digital Nomad Insurance Requirements

Short answer Costa Rica’s Executive Decree 43619 requires health insurance for digital nomads with at least US $50,000 in medical coverage, and the policy must cover the entire authorized legal stay period (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12). This page summarizes the evidence and how the checker evaluates policies for the route. Key findings at a glance Item Value Route Costa Rica Digital Nomad Visa (Executive Decree 43619) Evidence verified 2026-01-12 Snapshot releases/2026-01-15 GREEN / YELLOW / UNKNOWN 2 / 1 / 4 What the authority requires Health insurance is mandatory for the digital nomad visa. (Source: CR_DECREE_43619_2026, locator: Article 9; verified 2026-01-12) Minimum medical coverage is US $50,000 for illnesses in Costa Rica. (Source: CR_DECREE_43619_2026, locator: Article 9 - Minimum Coverage Amount; verified 2026-01-12) The policy must cover the entire authorized legal stay period. (Source: CR_DECREE_43619_2026, locator: Article 9 - Coverage Duration; verified 2026-01-12) Normalized requirements table: ...

Germany Freelance Visa: Health Insurance Requirement

Short answer Germany’s Federal Foreign Office (UK) states that applicants for any category D visa must have health insurance cover commensurate with the minimum level of German statutory health insurance, and that travel insurance is not sufficient for any D visa application (Source: DE_D_VISA_HEALTH_INSURANCE_2026, locator: Health insurance requirements for national (category D) visas; verified 2026-01-15). This page summarizes the evidence for the Embassy London freelance route and shows how the checker evaluates products against those requirements. ...

Malta Nomad Residence Insurance Requirements

Short answer Malta’s Nomad Residence Permit requires health insurance, and the official FAQ states that monthly payment policies are not acceptable; eligible policies have premiums covering a full year paid in advance (Source: MT_RESIDENCY_FAQ_2026, locator: FAQ - Are health insurance policies with monthly payments considered acceptable?; verified 2026-01-12). This page summarizes the evidence and how the checker evaluates policies against those requirements. Key findings at a glance Item Value Route Malta Nomad Residence Permit (Residency Malta Agency) Evidence verified 2026-01-12 Snapshot releases/2026-01-15 GREEN / RED / UNKNOWN 2 / 1 / 4 What the authority requires Health insurance is mandatory for the Nomad Residence Permit. (Source: MT_RESIDENCY_FAQ_2026, locator: FAQ - Health Insurance Requirements; verified 2026-01-12) Monthly payment policies are not acceptable; policies must be paid in advance for a full year. (Source: MT_RESIDENCY_FAQ_2026, locator: FAQ - Are health insurance policies with monthly payments considered acceptable?; verified 2026-01-12) A receipt for the full-year premium payment may be requested. (Source: MT_RESIDENCY_FAQ_2026, locator: FAQ - Are health insurance policies with monthly payments considered acceptable?; verified 2026-01-12) Normalized requirements table: ...

Portugal DNV (E11) Insurance Requirements

Short answer For the Portugal E11 Temporary Stay Visa (VFS China route), the checklist requires valid travel insurance covering necessary medical expenses, urgent medical assistance, and possible repatriation (Source: VFS_PT_E11_CHINA_2025, page 1, General Requirements; verified 2026-01-15). Key findings at a glance Item Value Route Portugal E11 (VFS Global China) Evidence verified 2026-01-15 Snapshot releases/2026-01-15 GREEN / RED / UNKNOWN 7 / 0 / 0 What the authority requires Valid travel insurance is required. (Source: VFS_PT_E11_CHINA_2025, locator: page 1, General Requirements; verified 2026-01-15) Coverage must include necessary medical expenses, urgent medical assistance, and possible repatriation. (Source: VFS_PT_E11_CHINA_2025, locator: page 1, General Requirements; verified 2026-01-15) Normalized requirements table: ...

SafetyWing vs World Nomads vs Genki: Evidence-Based Comparison

Short answer This comparison uses evidence-backed product facts and route-specific visa requirements. Spain DNV requires comprehensive, unlimited health coverage with no deductibles, co-payments, or moratorium, and requires insurers authorized to operate in Spain (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12). The evidence for SafetyWing, World Nomads Explorer, and Genki Traveler conflicts with those requirements, so all three are RED for Spain DNV in the current snapshot. Key findings at a glance Item Value Products compared SafetyWing Nomad, World Nomads Explorer, Genki Traveler Anchor route Spain DNV (BLS London) Evidence verified 2026-01-12 Snapshot releases/2026-01-15 Spain DNV result RED / RED / RED What the authority requires Insurance is mandatory for all applicants. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Insurer must be authorized to operate in Spain. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Policy must cover risks insured by Spain’s public health system. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Coverage must be comprehensive, full, and unlimited. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) No deductible, no co-payments, and no moratorium are allowed. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Normalized requirements table: ...

Spain DNV Insurance: SafetyWing Compliance Check

Short answer Spain’s DNV checklist requires comprehensive, unlimited health coverage from an insurer authorized to operate in Spain, with no deductibles, co-payments, or moratorium. SafetyWing Nomad evidence shows a deductible and coverage limit, so the checker marks it RED for this route (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12). Key findings at a glance Item Value Route Spain DNV (Consulate via BLS London) Product SafetyWing Nomad Evidence verified 2026-01-12 Snapshot releases/2026-01-15 Current status RED What the authority requires Insurance is mandatory for all applicants. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Insurer must be authorized to operate in Spain. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Policy must cover risks insured by Spain’s public health system. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Coverage must be comprehensive, full, and unlimited. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) No deductible, no co-payments, and no moratorium are allowed. (Source: BLS_ES_DNV_LONDON_2026, locator: page 2, item 9; verified 2026-01-12) Normalized requirements table: ...