SafetyWing vs Genki vs Insured Nomads — three nomad plans, side by side

The short version

Three nomad health plans. Three different shapes.

SafetyWing Essential, Genki Traveler and Insured Nomads Med+ all insure you while you are away from your home country. Past that they split. SafetyWing has no deductible and publishes a price. Genki charges EUR 50 a case and does not publish a price on the pages we checked. Insured Nomads lets you choose your medical limit up to US$1,000,000 but lists surfing and scuba diving in its exclusions. Each one also defines "home country" differently, which matters if you live in Bali.

Everything below comes from each insurer's own plan pages, help centre and policy documents, checked in Oct 2026. Where a provider does not publish a number, the table says so instead of guessing. Prices are indicative and move.

Our take, in three lines

Want a published price, no deductible, and you will either skip bikes over 50cc or buy the add-on at sign-up? Look at SafetyWing. Riding a light motorcycle and want the licence and helmet terms spelled out? Look at Genki. Want to pick your own medical limit? Look at Insured Nomads, and ask them in writing about scooters and surfing first. This is our reading of the table below, not an insurer's advice.

The comparison

Head to head, as published, Oct 2026

One plan per provider: SafetyWing Nomad Insurance Essential, Genki Traveler, and Insured Travelers Med+ (single trip, worldwide excluding the USA). Prices are indicative and were checked in Oct 2026. The table scrolls sideways on a phone.

What to compare	SafetyWing Essential	Genki Traveler	Insured Nomads Med+
Plan	SafetyWing Nomad Insurance Essential	Genki Traveler	Insured Travelers Med+
Price	US$62.72 per 4 weeks for ages 18-39, which includes a 30-year-old. Paid every 28 days, or one payment for 364 days with 10% off.	Not published on the pages we checked. Its conditions say the price depends on your start date, your age and your region.	Its typical-costs list shows US$46.80 a month (US$1.56 a day) for a 29-year-old. The page says the example shown is a 30-day Med+ plan with a US$250 deductible and US$250,000 medical maximum. Your own quote will differ.
Deductible	None. SafetyWing says the Essential plan has no deductible.	EUR 50 per insurance case. No deductible on inpatient stays.	Its website says you can customise the deductible, and its price example uses US$250. The brochure and policy Schedule of Benefits list US$0 (network provider). Emergency room visits carry a US$250 copay.
Medical limit	US$250,000 overall.	EUR 1,000,000 overall, shared by every benefit.	Up to US$1,000,000. The policy document lists US$50,000, US$100,000, US$500,000 and US$1,000,000. The website price example uses US$250,000.
Where it covers	Most countries. Excluded: Cuba, Iran, North Korea, Puerto Rico, Syria, Russia and Belarus, and parts of Ukraine. The USA is a paid add-on. No travel plans needed.	Worldwide. By default the USA and Canada are limited to emergencies in the first 7 days of each stay, and you can pay extra to raise that.	Worldwide, or worldwide excluding the USA, chosen at purchase. Its FAQ says it excludes OFAC-sanctioned countries (North Korea, Iran, Burma and Cuba are listed).
Who can buy, and for how long	Ages 14 days to 69. From 5 to 364 days. You can buy after you have left home. Home country is where you principally live and get mail; cover there is limited to short emergency visits.	Up to age 69 at the start, for up to 12 months. You can sign up while already travelling. You pick a country you are a citizen or resident of as your home country and cannot change it; cover there is emergencies only, in the first 6 weeks after you arrive.	Non-US residents travelling outside their Home Country (the country where you hold a valid passport), from 14 days old to under 79. Single trips of up to 364 days. Cover ends when you return to your Home Country.
Pre-existing conditions	Not covered. A condition counts as pre-existing if you had advice, treatment, medication changes or symptoms in the 180 days before the start date. There is a narrow emergency exception for stable, non-chronic conditions, valid only after the first 28 days.	Not covered. Excluded if you had symptoms, advice, a diagnosis or treatment in the year before the start date, or knew of a chronic or congenital condition. Also a 14-day emergencies-only waiting period unless you had continuous cover.	Excluded, but the policy says a pre-existing condition is covered once you have been continuously insured on the same plan for 6 months. Look-back period: 180 days.
Outpatient and routine care	Covers treatment for new, unexpected problems, including hospital stays, surgery and prescribed medication. SafetyWing points to its separate Complete plan for routine check-ups and outpatient treatments.	Doctor visits (outpatient) are covered at any licensed doctor. You pay first and claim back. Preventive care, mental health and maternity care are not covered.	Outpatient physician visits are a listed benefit, paid at 100% of the Preferred Allowance, the amount a network provider accepts as full payment.
Evacuation	US$100,000 lifetime for transfer to a better-equipped hospital. It needs a physician recommendation and SafetyWing's approval in advance. Separate US$10,000 lifetime for evacuation from local unrest.	Ambulance to the nearest suitable hospital, and medically necessary return to your home country, arranged by its emergency assistance. Counts toward the EUR 1,000,000 limit. Cover ends when you arrive home.	Medical evacuation and repatriation: up to US$250,000 in the brochure and policy document; the website says US$250,000 to US$1,000,000. Security and natural disaster evacuation up to US$100,000 per evacuation, US$1,000,000 in total.
Scooter and motorbike	Riders and passengers on anything over 50cc need the Adventure Sports add-on, bought at sign-up and not addable later. Licence for the vehicle class, safety gear and sobriety are required. ATVs are never covered; quad biking needs the add-on.	Helmet required for the driver; passengers are covered without one. You are covered without a valid licence on light motorcycles (top speed up to 110 km/h and, with a combustion engine, 125cc or less, or, if electric, 11 kW or less); for other vehicles you need a valid licence where the law requires one. No racing or unsupervised off-road.	The policy document lists as an exclusion travel on a two- or three-wheeled motor vehicle other than a motorcycle registered for on-road use. It states no engine size, licence or helmet rule. Ask in writing how this applies to a rented scooter.
Surfing and diving	Surfing is on the base-plan list. Scuba diving, up to the depth you or your instructor is licensed for, needs the Adventure Sports add-on.	Surfing is covered, but not big-wave, tow-in or extreme-weather surfing. Diving is covered to 30 metres if you are certified.	The policy document's exclusions name surfing and scuba diving. Optional Adventure & Extreme Sports cover is available, up to US$500,000.
Trip benefits and cancelling	No trip-cancellation cover. Trip interruption pays a US$5,000 ticket home after a family death. Delay pays US$60 (3-8 hours) or US$150 (8 hours or more). Cancel the plan for a full refund on or before the start date; after that a prorated refund is possible but not guaranteed, and not if you have filed a claim.	The conditions list medical, repatriation and support benefits, with no trip-cancellation or baggage cover. You can cancel with an end date at least one month after the start, and if you cancel mid-billing-cycle, Genki says any remaining days are refunded automatically.	Trip interruption US$1,500, trip delay US$500 per occurrence (US$150 a day), baggage delay up to US$500. Rules for cancelling Med+ and refunds: not published in the Med+ documents we read.
How claims are filed	Claim form on your dashboard, then upload documents. SafetyWing says up to 15 business days from submission to reimbursement if documents are complete. It calls Essential a reimbursement-based plan; for inpatient stays it can sometimes arrange a guarantee of payment, case by case.	Hospital stays are managed and paid directly by its emergency assistance. Outpatient: pay first, claim in the Member Center. Costs of EUR 1,000 or more need an itemised estimate at least 5 days before treatment, or only 50% is reimbursed.	Claims portal, or email aciclaims@acitpa.com with the intake form. Its website says file within 60 days of the expense; the policy document says notice within 60 days and claims within 180 days of service. Payment goes to you, or to the provider if you authorise it.
Where we checked	Plans, deductible, coverage area, pre-existing, evacuation, scooter, claims	Product page, conditions (PDF), motorcycles, sports, pre-existing, outpatient	Product page, policy document (PDF), brochure (PDF), exclusions, claims

The prices are not like for like

SafetyWing's US$62.72 is per 4 weeks for anyone aged 18 to 39, with a US$250,000 limit and no deductible. Insured Nomads' US$46.80 a month is a typical-costs example for a 29-year-old; its page says the example shown is a 30-day plan with a US$250 deductible. Different ages, deductibles and terms, so do not subtract one from the other. Get a live quote from each for your age and dates. Genki's price depends on your age, start date and region.

The fine print

Five things the table can't show

Buying after you have landed. SafetyWing says you can buy after you have left your home country, but claims for incidents in the first 72 hours need extra documentation and it recommends buying at least 72 hours ahead. Genki has a 14-day emergencies-only waiting period unless you had valid insurance until the day before with no gap. For Insured Nomads Med+, the documents we read do not say.
Short-term plans. Genki says its Traveler plan covers up to 12 months and that you need other long-term cover to return to. Insured Nomads' policy document calls Med+ limited benefit, short duration coverage, and its disclosure page says it is not designed to replace major medical insurance. SafetyWing says Essential may suit short-term nomads who do not need routine healthcare abroad.
Three definitions of home. SafetyWing: where you principally live and get mail. Genki: a country you are a citizen or resident of, which you pick once. Insured Nomads: the country where you hold a valid passport. In every case, cover at home is limited or absent. If you live in Bali, ask each insurer which country counts for you before you pay.
Insured Nomads' own documents disagree in places. Its brochure lists injury while surfing as an example of what Med+ covers, while the policy document's exclusions name surfing; the brochure says the policy governs if they conflict. They also disagree on evacuation (the website says US$250,000 to US$1,000,000, the brochure and policy say up to US$250,000) and on the deductible (the website says it is customisable with a US$250 example, the brochure and policy list US$0). The policy document we found shows a master policy period of 1 August 2024 to 1 August 2025. Ask for the current wording before you buy.
Insured Nomads' site status. On 15 Oct 2026 Insured Nomads' homepage showed a "making some changes" notice; the Med+ page and documents were still online.

How to choose

Pick the plan that fits your Bali months

These are our readings of the table, based only on the published terms above. They are not insurer recommendations.

Pick SafetyWing if you want a published price and no deductible, you are happy with a US$100,000 lifetime evacuation limit, and you will either keep to 50cc or buy the Adventure Sports add-on at sign-up. Watch the pre-existing look-back and the 72-hour documentation rule on new plans.
Pick Genki if you will ride a light motorcycle (top speed up to 110 km/h and, with a combustion engine, 125cc or less, or, if electric, 11 kW or less) and want the helmet and licence terms written in plain words, you want hospital stays paid directly, and you accept a EUR 50 deductible per case. Watch the 14-day waiting period, the EUR 1,000 pre-estimate rule, and the fact that the price is not published on the pages we checked.
Pick Insured Nomads if you are not a US resident and want to choose your own medical limit (up to US$1,000,000). Get written answers on the evacuation limit, the deductible, scooters and surfing first, and ask for the current policy wording.
If you plan to live in Bali for more than a year, read our nomad visa and insurance guide and the full Bali expat guide first. If you are only visiting, our best travel insurance for Bali page compares plans for short trips.

Ready to compare? See the plans side by side or get a quote for expat and nomad cover.

FAQ

Common questions

Which of the three is cheapest?

Only two publish a number. SafetyWing lists US$62.72 per 4 weeks for ages 18-39. On Insured Nomads' page, the typical-costs list shows US$46.80 a month (US$1.56 a day) for a 29-year-old. The page says the example shown is a 30-day Med+ plan with a US$250 deductible and US$250,000 medical maximum. Genki does not publish a price on the pages we checked. The three are priced on different bases, so get a live quote from each.

Do any of them cover a scooter accident in Bali?

SafetyWing and Genki both attach conditions to riding. SafetyWing requires the right licence, safety gear and sobriety, plus an add-on above 50cc. Genki requires a helmet for the driver and a valid licence where the law requires one, and covers light motorcycles (top speed up to 110 km/h and, with a combustion engine, 125cc or less, or, if electric, 11 kW or less) without a licence. Insured Nomads' policy document lists travel on two- or three-wheeled motor vehicles other than road-registered motorcycles as an exclusion and gives no engine-size rule, so ask them in writing.

Can I buy one after I have arrived in Bali?

SafetyWing and Genki both say yes. Expect extra steps: SafetyWing asks for extra documentation on claims in the first 72 hours, and Genki has a 14-day emergencies-only waiting period unless you had continuous cover. The Insured Nomads Med+ documents we read do not say.

Will they cover a condition I already have?

Not at the start. All three exclude pre-existing conditions. Genki looks back one year, SafetyWing and Insured Nomads look back 180 days. Insured Nomads' policy says a pre-existing condition is covered after 6 months of continuous cover on the same plan; SafetyWing has a narrow emergency exception for stable, non-chronic conditions after the first 28 days.

Are these enough if I live in Bali for a year or more?

Read the plan limits first: SafetyWing Essential runs for up to 364 days, Genki Traveler for up to 12 months with a warning that you need other long-term cover, and Med+ is described as short-duration. Each provider also sells a separate health plan: SafetyWing Complete (US$177.50 a month for ages 18-39, with a 12-month lock-in), Genki Native (it costs EUR 189 a month in its example for ages 20-24, basic, no deductible; join up to age 55) and Insured Nomads Connect (from US$163 a month in its example for a 27-year-old living in Indonesia, with a US$1,000 deductible). Those examples are different ages and terms, so they are not a ranking.

Does my Indonesian visa need one of these plans?

Imigrasi's published lists do not state an insurance requirement for any visa we checked; see our visa and insurance requirements guide. If an officer or sponsor asks for a certificate, get their exact wording first, then check the plan against it. That is our advice, not an Imigrasi rule.

Sources

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This guide is general information, not regulated insurance advice. Estimates are indicative — final premiums, terms, and eligibility come from the licensed insurer or broker. Rules and rates change; verify anything load-bearing before you rely on it. See our methodology and disclosure.