Other Countries

SafetyWing Review 2022 part 2 – How Does it Work?

SafetyWing Review 2022 part 2 – Part one is here.

Who Can Purchase SafetyWing Travel and Medical Insurance?

Although this insurance is marketed towards digital nomads, freelancers, and remote workers, anybody may purchase it. You must be between the ages of 18 and 80 to purchase insurance, but those under 39 will find it exceptionally inexpensive.

Digital nomads and remote workers will find this insurance useful for several reasons. Not only does it offer you peace of mind when you’re traveling, but it can also protect yourself and your online income in the event of an accident or health emergency.

You’re probably aware that there is a limit to the overall coverage, which is currently set at $250,000, and some activities deemed extremely hazardous are not covered. Some of them include; scuba diving, ice hockey, and mountain climbing at high altitudes.

If you want to be covered while you’re riding a scooter or motorbike, you’ll need an international scooter license. This is particularly crucial information for travelers going to Southeast Asia.

Do SafetyWing Have Country Restrictions for Digital Nomad?

First and foremost, if you acquire ill or injured in your nation, it is critical to make clear that you will only be able to claim under your SafetyWing insurance policy if the accident occurred “accidentally.”

For example, if you incur a major injury while traveling and then return home to receive treatment domestically, you will not be able to deduct your expenses from SafetyWing. However, if you were visiting home and became ill or had an accident, your insurance may cover it.

However, you may be covered only for 30 days every 90 days in your own country – or 15 days every 90 days in the United States – under this plan. Nevertheless, SafetyWing coverage does not extend to Cuba, Iran, or North Korea. We should also point out that kidnapping-related coverage is not available in Afghanistan, Iraq, Nigeria, Pakistan, Somalia, or Venezuela.

How Does SafetyWing Medical Claim Process Work?

SafetyWing’s claim procedure is comparable to that of any other insurance company. With that in mind, here’s a summary of the most important points.

Step 1: Contact

Contact SafetyWing as soon as possible after the accident. You are entitled to up to 24/7 coverage, so do not hesitate. You can contact us by phone or through our website. If you prefer to speak with someone directly, you can schedule a call-back at your convenience. 

Step 2: Reporting the Accident with your SafetyWing Card

SafetyWing has a special form or place for reporting an accident. This can be found on their website or, if you prefer to speak to someone directly, we can provide you with the contact information of your assigned adjuster. Fill out the online form, and we’ll take care of the rest!

On the other hand, when you visit the hospital or medical center, you should show your SafetyWing card as soon as possible.

While it’s unlikely that the medical professional will be familiar with SafetyWing, it will at the very least indicate that you have appropriate medical travel insurance to cover your treatment. This is a second reminder that you should always keep your SafetyWing card on you. Always be prepared for the unexpected!

Step 3: Communication with the Adjuster

During the claim procedure, your assigned SafetyWing adjuster will be in regular contact with you. They are there to answer any questions you may have and clear up any misunderstandings on your part.

Don’t hesitate to give them a call! Besides, you should always ask the medical provider about payment. This is because; you can find doctors with different payment options in their database. Meanwhile, when you look for the direct bill, you might get the right payment and all it cost.

Step 4: The Claim

At some point during this process, you’ll receive the necessary forms you need to fill out. These forms go into the details of your accident and allow us to determine how much money you need for your recovery. You will be required to present any relevant documents (receipts, x-rays, etc.). Beyond that, there is nothing more you need to do!

Step 5: Payment and Conclusion

Your payment is guaranteed and will be sent to you within a matter of days after you sign the necessary forms. The claim process should be concluded promptly, but if for any reason this does not seem possible, we can offer a free extension of insurance coverage from SafetyWing.

SafetyWing Specific Travel Dates

If you don’t want to use SafetyWing’s 28-day recurring plan, the company has a bespoke package that includes only the dates you need. If you wanted to visit Southeast Asia for 13 days, for example, it would be pointless to buy the whole 28-day plan. If you go with this option, you may make a plan for as little as five days, up to a maximum of 364 days.

FAQs about SafetyWing Insurance

Great news! SafetyWing just got added to the list of insurance providers on alltransaction.com! While we at SafetyWing sincerely hope that you do not need our services, we understand that accidents happen, and it is important to be prepared for such situations. Here are five frequently asked questions about SafetyWing insurance.

Do I have to pay a monthly fee or a one-time fee?

SafetyWing operates on a pay-as-you-go model. You only need to pay for the insurance when you actually use it! If you opt to purchase our service for one year, we will further discount our rates by 5%. In fact, if you purchase a lifetime membership, we will even throw in your first month of insurance for free!

Can I opt-out of the service at any time?

Absolutely! You can switch from monthly to yearly to never, or vice versa, at any point in time through our easy-to-use platform. In fact, if you find that you no longer need our services, we would greatly appreciate it if you could notify us at least 24 hours before your next billing date. This will allow us to set the account back to monthly and waive any fees for early termination.

How can I be sure that SafetyWing is secure?

The safety of their customers is of paramount importance to them. To ensure the safety of your data, SafetyWing uses only the latest security measures available. For example, all their servers are protected by top-of-the-line firewalls, and they use banking-grade encryption to send your payment information over the internet (SSL).

Your personal information is stored on state-of-the-art servers managed by professionals with decades of experience in the industry.

Can I cancel my SafetyWing insurance at any time?

Of course! You are free to downgrade, upgrade, or cancel your plan whenever you want through our platform. If you no longer need our service, please do not hesitate to notify us at least 24 hours before your next billing date. This will allow us to set the account back to monthly and waive any fees for early termination.

How do I make a claim?

Making a claim is simple! All you have to do is submit your request through their website. Their dedicated customer service team will review your request within the next business day and determine whether or not it qualifies for coverage. If it does, they will send an email with all the information you need to continue with the process of making a claim.

Nonetheless, if you’re a digital nomad who works in the ‘Gig Economy,’ it’s likely that you have the freedom to combine your job with frequent travel. If this sounds like you and you’re moving from one country to another, make sure you prepare for the unexpected.

We’re discussing putting together a comprehensive medical insurance coverage plan that will safeguard you if you require medical help. If you don’t do this, you might end up with very high medical expenses – something that, depending on the nature of the problem, you may not be able to cover.

With that in mind, SafetyWing adapts its travel medical insurance package to suit those who live a nomad lifestyle. We looked into whether or not SafetyWing is a good choice for your travel medical coverage needs with a headline pricing structure of $68 per four weeks (depending on your plan) for trips within the US and $37 per four weeks for all other destinations.

Conclusion

In today’s digital world, many people live a digital nomad lifestyle. While doing this, many people don’t even think of applying for insurance coverage. If this sounds like you, you’re missing a lot more of being protected while traveling around. SafetyWing is the best insurance to opt for. Nonetheless, refer to this ultimate review to get a glimpse of what this insurance is all about.

Adam Fayed

Recent Posts

Is the UAE the best option for wealthy digital nomads and expats?

Is the UAE the best option for wealthy digital nomads and expats?

1 year ago

Latest Forbes Blog

Latest Forbes Blog

1 year ago

UK interest rates skyrocket – what are the ramifications?

https://www.youtube.com/watch?v=cFqR031b7e8&ab_channel=AdamFayedPodcast%28ExpatandHNWIinvesting%29

2 years ago

What is the biggest indicator of the future direction of the stock market

https://www.youtube.com/watch?v=wLJl03fCSsI&ab_channel=AdamFayedPodcast%28ExpatandHNWIinvesting%29

2 years ago

FTX collapse – Is this the end of crypto?

https://www.youtube.com/watch?v=T0xggk1GdWs&ab_channel=AdamFayedPodcast%28ExpatandHNWIinvesting%29

2 years ago

Are investors about to get truly tested?

Are investors about to get truly tested?

2 years ago