Long-stay insurance abroad
Gold Start
Whether you're self-employed, teleworking abroad, globetrotting, on a gap year or sabbatical, touring the world, retired abroad... you can benefit from Gold Start insurance.
Are you looking for long-stay insurance abroad? Are you applying for a long-stay visa and looking for a suitable private health plan? Whether you’re a digital nomad, volunteering, on an international professional assignment, or enjoying retirement overseas, it’s essential to have comprehensive health coverage. If you’re already overseas and need medical insurance with repatriation options, or if you’re unsure about the duration of your stay, we’ve got you covered.
Our long stay visa international health insurance plans provide optimal security and flexibility, ensuring you’re protected wherever you go. Plus, in some countries, health insurance is a mandatory requirement for obtaining a visa or residence permit.
Long-stay abroad insurance
Gold Start Backup
Cost-effective insurance
Coverage for emergencies and accidents only.
From
30€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents only
- Up to €50,000 per year
- Repatriation assistance
- Civil liability
- Individual protection
Long-stay abroad insurance Gold Start Basic
Balanced insurance
Limited coverage for countries with moderate medical costs.
From
63€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €150,000 per year
- Maternity coverage up to €3,500
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Long-stay abroad insurance Gold Start Nomad
Comprehensive insurance
Coverage for hospitalization and routine medical care.
From
85€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €300,000 per year (€500,000 for the USA)
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Any questions? Need some advice?
International health insurance for your long-term stays abroad
Who can take out international insurance? Gold Start
Gold Start insurance is designed for individuals of all nationalities. Whether you’re already abroad or planning your journey, you can take out this long-stay insurance up to the age of 70. This insurance is perfect for stays ranging from a few months to several years.
Gold Start insurance is ideal for:
- Long-stay visa applicants
- Students taking a gap year
- Families on a world tour
- Individuals on sabbaticals, studying abroad, or telecommuting internationally
- Volunteers on humanitarian assignments
- Retirees living overseas
- Young expatriates on Working Holiday Visas (WHV) or those working abroad
Why take out long-stay insurance like Goldstart?
With the rise of globalization, and the increasing ease of remote work, more people are opting to live abroad for months or even years. Gold Start offers affordable, reliable coverage for illnesses, accidents, and unexpected events while abroad, providing essential protection at competitive rates.
Your advantages with international health insurance Gold Start?
- Affordable plans starting from 30 Euros per month
- 3 packages to choose from, depending on your budget and destination: Nomad, Basic, Backup
- Immediate online subscription for quick enrollment
- 24/7 worldwide assistance available for emergencies anywhere in the world
What you're covered for when you're abroad
Gold Start offers three levels of coverage to suit your needs: Backup, Basic, and Nomad. Here’s a breakdown:
- Nomad: Ideal for countries with high medical costs. This comprehensive plan offers the most extensive coverage, including both emergency care and routine medical treatments. Gold Nomad also covers pre-existing conditions. It has a 100% acceptance rate for long-stay visa applications around the world.
- Basic: A more economical choice, suitable for countries with lower medical costs. This plan covers essential services while keeping costs low. It still includes routine care and pre-existing conditions, just with lower overall limits than Nomad. It still has a 100% acceptance rate for long-stay visa applications around the world.
- Backup: This option is limited to acute illness and accident, excluding pre-existing conditions, making it best for short-term travelers or those who already have other health coverage abroad. It can also be a suitable budget option for visa applicants, but please verify if your consulate requires coverage of pre-existing conditions and routine care.
For expatriates, Mondassur also provides more comprehensive coverage options with higher limits through the GoldExpat range. These plans are also well-suited for Schengen Insurance and Long Stay Visa requirements.
Gold Start Coverage Summary
- Hospitalization : 100% reimbursement of actual costs (subject to various limits)
- Medical Expenses : 80% reimbursement for medical services like pharmacy, consultations, imaging procedures, and laboratory tests
- Primary Coverage : Coverage begins from the first euro/dollar spent
- No Deductible : Your healthcare costs are reimbursed without any deductible from the first payment
- Direct Payment : For hospitalization, we handle direct payment to healthcare providers
- Additional Services : Includes repatriation assistance, civil liability, and personal protection
- 24/7 Assistance : Access to a dedicated, global medical assistance platform
How to take out Gold Start insurance
Gold Start makes it easy to sign up with minimal paperwork. After receiving your quote, you can subscribe directly online. Alternatively, you can complete and email your application form and health questionnaire.
Once you’re registered, you’ll receive your insurance certificate and policyholder card via email, along with emergency contact numbers for 24/7 assistance or hospitalization abroad. You’ll also get an email outlining the full terms and conditions of your insurance contract, detailing how your coverage works. Additionally, you’ll gain access to your personal online policyholder area for managing your account.
Have questions? Our multilingual team is available to assist you via phone, email, or WhatsApp.
GoldStart's 3 levels of coverage
1. Gold Nomad – Comprehensive International Health Insurance
- Maximum coverage: Up to €300,000
- Hospitalization: Reimbursed at 100% of actual costs
- Routine Medical Treatment and Pre-Existing Condition coverage: Up to 100% reimbursement (consultations, pharmacy, lab tests, etc.)
- Best for: Long-term expatriates or travelers in countries with high medical costs who want full peace of mind
2. Gold Basic – Balanced Coverage for Moderate Needs
- Maximum coverage: Up to €150,000
- Hospitalization: Reimbursed at 100% of actual costs
- Routine Medical Treatment and Pre-Existing Condition coverage: Up to 80% reimbursement (consultations, pharmacy, lab tests, etc.)
- Ideal for: Those living in or traveling to countries with moderate healthcare costs
- Offers essential protection while remaining cost-effective
3. Gold Backup – Emergency & Accident Coverage Only
- Maximum coverage: Up to €50,000
- Focus: Covers only emergencies and accidents abroad (acute illness or injury unrelated to a pre-existing condition)
- Recommended for: Travelers who already have insurance but want additional protection, especially for emergencies; or for travelers on a tight budget
- Key features: Includes repatriation coverage and direct healthcare payment in emergencies
How does Gold Start insurance work?
Taking out Gold Start insurance is simple and hassle-free:
- Online Subscription: Complete your registration and payment directly on our website.
- Immediate Coverage: Receive your insurance certificate, emergency contact numbers, and access to 24/7 medical assistance as soon as you subscribe.
- Online Policy Management: Access your personal member area to:
- Submit claims (for non-hospitalization expenses)
- Upload documents
- Track reimbursements
- Hospitalization: Benefit from direct payment to hospitals and full support from our multilingual medical assistance team, available 24/7.
Gold Start is designed for maximum simplicity, flexibility, and support—wherever life takes you.
