It's a little off topic but I guess most of us use health insurance as a part of digital nomading life.

For last 2 years I've been using Safety Wing (Vumi insurance) and I had a feeling I'm overpaying due to using third party but turns out that for circa $1500 it's very good insurance compared to buying directly from insurers like AXA, Allianz etc.

While in most cases inpatient it's decent (but still below Safety Wing), outpatient benefits are negligible basically while it's $5000 on Safety Wing policies which can cover few serious tests like MRI, PET if necessary without overnight stay in hospital.

What's your experience with global health insurances? Any reasonable offers on the market below $1000 without losing most benefits from Safety Wing? Do you read T&Cs or just buy whatever and hope for the best? 😁