I will repost here as it is a proper channel for it

“I said “I would not buy as a Nomad”. Genki is emergency health insurance.

Nomads travel (lost bags, delayed flights, cancelled trips) and do more riskier things than average vacation travelers (like diving, surfing, hiking ets).

If you are interested in more details, GPT can help to do a research and comparison of insurances available for nomads.

Our experience with emergency: We used SafetyWing before and got all the medical expenses reimbursed (more than 10000 usd) but had to pay everything UPFRONT and then got reimbursed (a month later). This was a huge surprise for me!

Not every nomad has lump sum laying around for a medical emergency. Nomads buy insurance so they can avoid this kinds of situations with unexpected lump sum payments… and what if the emergency situation is more than the amount you have available…

When you have emergency, you don’t have time to move money arround…or discuss situation with your insurance company if they can help paying the bill because you can’t afford to pay cash… You are on oxygen and painkillers…No time to discuss policy with your provider… That is where REMEMBERING the text of what you MUST do when you actually got an emergency is useful. I don’t think people even read the full health insurance text—let alone remember it.

I wonder, what if my husband was traveling alone as most of the nomads do… How would he deal with emergency if there is no one to read the policy and do what needs to be done to get the reimbursement later. There is ALOT OF things you MUST do if you want to get reimbursed, and if you don’t do them, most things will be excluded from reimbursement later just because you did not do things properly when you were unconscious having an emergency 🫣

If he was alone, he would have gotten maybe 30%. We got the money only because I read the police multiple times and was checking every document the the hospital provided to make sure it meets the expectation of the policy while paying everything upfront hoping that it would be reimbursed later.”

Is SafetyWing still the go for health insurance? Realise their prices went up a lot last time I got it

They've never been. They were just always strong in affiliate marketing and paying for recommendations. ;-)

Are you looking for travel insurance (just a couple of months while still keeping home country coverage) or actual international health insurance?
If the latter then there are tons of legit, licensed and reliable providers out there: April International, Foyer Global Health, PassportCard, Now Health, Allianz Care, BDAE, ...

Full health insurance, not US. And, I don’t really have a ‘home’ atm haha.
I’ve tired a few of the other you mentions as some point, PassportCarr and Allianz Care, and they were poor… not sure what to say

What's "poor" for you?
Too expensive?
Too little coverage?
Exclusions or restrictions you don't like?

They didn’t cover me without jumping through hoops. I gave up on claiming. I want to be able to go to a GP and get treatment and drugs I need. If I have an eye infection, I want it covered. If I have to get antibiotics because I had too much fun, i want it covered. If I’m paying partly it, might as well have not got the insurance.
Just examples. Not sure where you are from, but I just want a hassle free normal service like back in Aus.

Understood. The basic rule with all legit health insurance providers is: They pay for what's medically necessary and not self-inflicted. That's where "because I had too much fun" might disqualify a claim.

Important when you choose a provider: Make sure you understand their licensing and governing law (jurisdiction). There are a bunch of Australia based providers as well if that's a legal system that you trust. Don't buy from a company that's incorporated where there is weak or no consumer protection for you (referring to your initial question here).