The digital nomad lifestyle offers freedom — but it also comes with healthcare challenges. When you’re constantly moving between countries, traditional health insurance doesn’t work. Here’s what remote workers need to know about staying covered on the road.

Digital nomad health insurance options for remote workers.

Why Digital Nomads Need Special Insurance

Most domestic health insurance plans don’t cover you abroad. Travel insurance covers short trips but typically maxes out at 90 days and doesn’t cover routine care. You need insurance that’s:

• Valid across multiple countries
• Available for long-term stays (12+ months)
• Covering both emergency and routine care
• Flexible enough to adapt as your plans change

Types of Insurance for Digital Nomads

Budget: Nomad-Specific Plans ($40-60/month)

SafetyWing is the most popular option. At $49/month, it covers emergency medical, hospitalization, and evacuation across 175+ countries. It’s affordable but limited — more of a safety net than comprehensive coverage. Best for young, healthy nomads who want emergency protection.

Mid-Range: Regional International Plans ($100-200/month)

Plans like Luma and Pacific Cross offer better coverage within Asia at reasonable prices. These include outpatient care, specialist visits, and direct billing at international clinics. Great for nomads based primarily in Southeast Asia.

Premium: Global Health Insurance ($250-450/month)

Cigna Global and IMG Global Medical provide comprehensive worldwide coverage comparable to domestic plans. These include outpatient, dental, maternity, wellness, and telemedicine. Best for nomads who want full coverage anywhere in the world.

Treating Health Insurance Like Travel Insurance: A Mistake

Many nomads rely on travel insurance or skip insurance entirely. This is risky. Travel insurance has strict trip duration limits, doesn’t cover ongoing conditions, and often excludes countries you’ve been in for too long. International health insurance provides ongoing, comprehensive coverage that adapts to your lifestyle.

Key Features to Look For

• Multi-country validity: Coverage across your expected travel destinations
• Telemedicine access: 24/7 online doctor consultations — essential for remote areas
• Evacuation coverage: Transport to quality facilities when local care is inadequate
• Flexible terms: Monthly subscriptions, ability to pause or change coverage
• Home country coverage: Some plans cover brief visits home (15-30 days per period)

The Hybrid Approach (Best Value)

Many successful nomads use a combination: SafetyWing for emergency/evacuation coverage ($49/month) plus a regional plan for routine care ($100-150/month). This gives you comprehensive protection for $150-200/month total — significantly less than a full global plan.

Common Claim Scenarios for Nomads

Scooter accident in Vietnam: Emergency treatment + evacuation to Bangkok — $15,000-50,000 without insurance.
Dengue fever in Thailand: Hospital stay at international clinic — $2,000-5,000.
Dental emergency in Bali: Emergency treatment — $500-2,000.
Routine checkup: Covered under comprehensive plans, $0 with direct billing.

Compare Global Care specializes in insurance for location-independent professionals. Get a free quote tailored to your nomad lifestyle and travel plans.

One of the first questions expats ask: “How much will health insurance cost?” The answer depends on several factors, but we’ll give you real numbers based on actual plans available in 2026.

Expat health insurance cost comparison and pricing.

Average Cost Ranges

Here’s what you can expect to pay for international health insurance, based on a healthy individual living in Southeast Asia:

What Affects Your Premium?

Age

Age is the single biggest factor. Premiums typically increase 3-5% per year of age. A plan costing $150/month at age 30 might cost $250/month at age 50.

Coverage Area

Including the USA can double or triple your premium. If you occasionally visit the US, consider a worldwide-excluding-USA plan and buy separate travel insurance for US trips — it’s almost always cheaper.

Deductible

Choosing a deductible (excess) reduces your premium significantly:

• $0 deductible = base price
• $250 deductible = ~10-15% savings
• $1,000 deductible = ~25-35% savings
• $5,000 deductible = ~40-50% savings

Country of Residence

Living in Southeast Asia is generally the most affordable region. Thailand, Vietnam, and Cambodia typically have lower premiums than Singapore or Hong Kong. The Philippines and Indonesia fall in between.

Real Examples: What Expats Actually Pay

Example 1: Tom, 32, freelance developer in Bangkok
AXA SmartCare Global (Asia) with $500 deductible — $145/month. Covers inpatient + outpatient at Bumrungrad, Bangkok Hospital, and Samitivej.

Example 2: Sarah & James, 45 & 47, retired in Chiang Mai
Pacific Cross Premier (Worldwide excl. USA) with $1,000 deductible — $280/month each. Comprehensive coverage including dental and maternity.

Example 3: Lisa, 28, digital nomad traveling SEA
SafetyWing Nomad Insurance — $49/month. Basic coverage with emergency evacuation — ideal as supplemental insurance for low-risk young adults.

How to Save on Expat Health Insurance

• Exclude the USA from your coverage area
• Choose a higher deductible if you have emergency savings
• Consider regional (Asia-only) coverage if you don’t travel outside Asia
• Work with a broker who compares multiple providers
• Apply while young and healthy for the best rates

Compare Global Care helps you find the best value plan from 12+ providers. Get your free, personalized quote and see how much you could save.

Thailand remains one of the most popular destinations for expats worldwide — and for good reason. Low cost of living, incredible food, warm weather, and friendly locals. But when it comes to healthcare, understanding your insurance options is essential.

Thailand health insurance options for expats and foreigners.

Thailand’s Healthcare System: An Overview

Thailand has a dual healthcare system. Public hospitals provide affordable treatment but often involve long wait times, limited English, and basic facilities. Private international hospitals like Bumrungrad International, Bangkok Hospital, and Samitivej offer world-class care — but at international prices.

A routine consultation at Bumrungrad costs $80-150. An overnight stay can exceed $1,000. Major surgery? $15,000-50,000+. Without insurance, these costs can be devastating.

Do Expats Legally Need Health Insurance in Thailand?

Yes, for certain visa types:

• Non-Immigrant O-A (Retirement): Requires minimum $100,000 (3 million THB) inpatient coverage
• Non-Immigrant O-X: Requires $100,000 coverage with specific policy conditions
• Long-Term Resident (LTR): Requires $50,000 minimum coverage
• Elite Visa: No insurance requirement (but strongly recommended)

Even when not legally required, health insurance is essential for any expat in Thailand.

Best Insurance Providers for Thailand

AXA Thailand

The largest international health insurance provider in Thailand. AXA has the widest hospital network, including all major international hospitals. Their plans range from basic inpatient starting around $120/month to comprehensive coverage at $350+/month.

Pacific Cross

A popular choice for value-conscious expats. Pacific Cross offers good coverage at competitive prices, with strong Thailand hospital networks. Plans start from $80/month for inpatient coverage.

Luma

Ideal for younger expats and digital nomads on a budget. Luma’s Thailand-focused plans start from $50/month for basic coverage, with options for outpatient add-ons.

Cigna Global

Best for expats wanting worldwide coverage including evacuation. Premium plans with comprehensive outpatient coverage start from $200/month but include telemedicine, wellness benefits, and global hospital access.

Important Policy Features to Check

• Direct billing: Can you walk into a hospital with just your insurance card?
• Evacuation coverage: Is medical evacuation to Bangkok or Singapore included?
• Outpatient limits: Are there caps on doctor visits and prescriptions?
• Maternity waiting period: Typically 10-12 months before you can claim
• Renewal guarantees: Will your plan renew regardless of claims history?

Get Expert Help

Compare Global Care’s Thailand-based team specializes in expat health insurance. We compare plans from all major providers and help you find coverage that matches your needs and budget. Get your free quote today.

Moving abroad is exciting, but navigating healthcare in a new country can be overwhelming. Whether you’re relocating for work, retirement, or the digital nomad lifestyle, choosing the right international health insurance is one of the most important decisions you’ll make. This guide walks you through everything you need to know.

Thailand’s beaches attract millions of expats — make sure your health insurance covers you while living abroad.

Why International Health Insurance Matters

Domestic health insurance typically doesn’t cover you abroad. If you’re living outside your home country, you need coverage that works internationally. International health insurance provides:

• Coverage across multiple countries and regions — move freely without gaps
• Access to private hospitals and English-speaking doctors
• Emergency medical evacuation — critical in Southeast Asia
• Direct billing (cashless treatment) at network hospitals
• Continuity of coverage when you move between countries

Key Factors to Consider

1. Coverage Area

Plans are typically divided into three zones: Worldwide (including USA), Worldwide (excluding USA), and Regional (e.g., Asia-only). USA coverage significantly increases premiums due to high American medical costs. If you don’t plan to visit the US, exclude it to save 40-60%.

2. Plan Type: Inpatient vs. Comprehensive

Inpatient-only plans cover hospital stays, surgeries, and emergency treatment — the minimum we recommend. Comprehensive plans add outpatient care (doctor visits, prescriptions, diagnostic tests, therapies). Comprehensive plans cost 2-3x more but provide broader coverage.

3. Deductible (Excess)

The deductible is what you pay per year before insurance kicks in. Higher deductibles mean lower premiums. A $1,000 deductible can reduce your premium by 25-40%. Choose based on your risk tolerance and savings.

4. Pre-existing Conditions

If you have a pre-existing condition, disclosure is essential. Some plans exclude them permanently, others cover them after a waiting period (12-24 months), and premium plans may cover them immediately at higher cost.

5. Provider Network

Check that the plan’s hospital network includes facilities near you. In Thailand, look for Bumrungrad, Bangkok Hospital, and Samitivej. In Vietnam, check for FMP and Vinmec. A strong local network means easier direct billing.

Top Providers Compared

Best Health Insurance for Digital Nomads in 2026

The digital nomad movement continues to grow in 2026, with an estimated 40+ million people working remotely while traveling. But as the community expands, so do the health risks — and going without insurance is a gamble most nomads can’t afford. This guide reviews the best health insurance options for digital nomads in 2026, based on coverage quality, flexibility, and value.

Best digital nomad health insurance plans for 2026.

What Makes Insurance “Nomad-Friendly”?

Not all health insurance works for the nomadic lifestyle. The best plans for digital nomads share these features:

• No home country requirement — You don’t need a permanent address or to return to a specific country
• Multi-country coverage — Works wherever you travel, not just in one country
• Virtual care (telemedicine) — Access doctors online when you’re far from network hospitals
• Flexible terms — Monthly subscriptions, ability to pause or change location mid-policy
• Emergency evacuation — Critical for nomads in remote or developing destinations
• Direct billing — Cashless treatment at network hospitals so you don’t pay thousands upfront

For a deeper dive, see our digital nomad insurance guide.

Top Insurance Plans for Digital Nomads in 2026

1. SafetyWing — Best Budget Option

SafetyWing remains the most popular nomad insurance for budget-conscious travelers. Their Nomad Insurance plan costs approximately $45-55/month and covers:

• Emergency medical treatment (up to $250,000)
• Hospitalization and surgery
• Emergency evacuation (up to $100,000)
• Travel delay and lost luggage coverage

However, it’s important to understand that SafetyWing is essentially travel insurance, not full health insurance. It doesn’t cover routine care, pre-existing conditions, or outpatient treatment. Best as a safety net for healthy nomads on a tight budget.

2. IMG Global — Best Value

IMG (International Medical Group) offers several plans popular with digital nomads. The iTravelInsured LX plan provides good emergency coverage from $80-120/month, while the Patriot International plan offers more comprehensive coverage from $150-300/month. Key features:

• Worldwide or regional coverage options
• Optional home-country coverage rider
• Direct billing at network hospitals
• Coverage for adventure sports (with some plans)

IMG strikes a good balance between cost and coverage — significantly more comprehensive than SafetyWing while still being affordable for most nomads.

3. Cigna Global — Best Comprehensive Coverage

For nomads who want real health insurance (not just emergency coverage), Cigna Global is the gold standard. Their modular plans let you choose exactly what you need:

• Core: Hospitalization and emergency from $150/month
• Core + Outpatient: Adds doctor visits and prescriptions from $200/month
• Core + Outpatient + Wellness: Full coverage including preventive care from $280/month
• Add dental, vision, or maternity as needed

Cigna offers the largest hospital network (1.5M+ providers worldwide), excellent mobile app, 24/7 multilingual support, and reliable direct billing. It’s the most expensive option but provides genuine international health insurance rather than glorified travel coverage.

4. AXA International — Best for Asia-Based Nomads

For nomads primarily based in Southeast Asia, AXA offers the best value. Their plans are competitively priced for Asia and provide:

• Direct billing at top hospitals including Bumrungrad, Bangkok Hospital, and Vinmec
• Strong telemedicine platform with Asia time zone coverage
• Plans starting from $120/month with good coverage
• Excellent reputation and claims reliability in Thailand, Vietnam, and Indonesia

5. Allianz Care — Best for Europe-Based Nomads

Nomads spending most of their time in Portugal, Spain, Estonia, or other European hubs should consider Allianz. Their international plans offer:

• Strong European hospital network with direct billing
• Competitive pricing for Europe-based coverage
• Good mid-tier options from $120-250/month
• Reliable service and straightforward claims process

Key Considerations for 2026

The insurance landscape for nomads is evolving rapidly. Here are important trends to watch:

Digital nomad visas: Over 60 countries now offer specific digital nomad visas, and many require health insurance as a condition. Make sure your plan meets the insurance requirements for any visa you’re applying for.

Telemedicine expansion: Virtual doctor access has become essential for nomads. Look for plans that offer 24/7 telemedicine with prescription services — this alone can save you hundreds in unnecessary hospital visits.

Covid and pandemic coverage: Most international plans now cover COVID-19 treatment, but check the specifics. Some budget plans still exclude pandemic-related claims.

Pre-existing conditions: If you have a medical condition, declare it upfront. Some insurers (Cigna, AXA) offer coverage with moratorium underwriting — your condition is covered after a symptom-free period.

How to Choose

The right digital nomad insurance depends on your budget, destinations, and health needs. As a general guide:

• Budget nomads (under $60/month): SafetyWing for emergency coverage
• Mid-range nomads ($100-250/month): IMG or AXA for good coverage at reasonable cost
• Premium nomads ($250-500/month): Cigna Global for comprehensive international health insurance

AXA vs Cigna vs Allianz: International Health Insurance Comparison

When it comes to international health insurance, three names dominate the market: AXA, Cigna, and Allianz. All three are global insurance giants with comprehensive international health plans, but each has distinct strengths, weaknesses, and ideal use cases. This comparison will help you understand which provider might be the best fit for your needs.

AXA vs Cigna vs Allianz international health insurance comparison.

Overview of the Three Providers

AXA International — The world’s largest insurance brand, AXA offers international health plans through AXA Global Healthcare. Known for excellent coverage in Southeast Asia and Europe, strong hospital networks, and flexible plan design. Particularly popular with expats in Asia.

Cigna Global — One of the largest health services companies globally, Cigna’s international plans are modular — you build your coverage by selecting core hospitalization and then adding outpatient, dental, vision, and maternity modules. Excellent flexibility and a massive global provider network.

Allianz Care — Europe’s largest insurer, Allianz offers international health insurance through Allianz Care (formerly Allianz Worldwide Care). Known for strong European hospital networks, competitive pricing, and reliable claims processing.

Plan Comparison

Here’s how the three providers compare across key categories:

Geographic Coverage:

• AXA: Worldwide or Worldwide Excluding USA. Also offers regional options (e.g., Asia-only). Good flexibility for digital nomads who change locations.
• Cigna: Worldwide or Worldwide Excluding USA. Modular design makes it easy to adjust coverage level. Very strong in North America and Europe.
• Allianz: Worldwide or Worldwide Excluding USA. Regional plans available (Europe, Asia-Pacific). Excellent for EU-based expats.

Coverage Levels and Pricing:

• AXA: Three tiers — Essential (hospitalization/emergency), Professional (adds outpatient), and Elite (comprehensive including dental). Typical premiums: $120-600/month.
• Cigna: Modular: Core (hospitalization) plus optional Outpatient, Medical Evacuation, Dental, Vision, and Maternity modules. Typical premiums: $150-700/month.
• Allianz: Four tiers — Core, Pro, Plus, and Premium. Core starts from ~$100/month, Premium from ~$500/month. Good value at mid-tier levels.

Hospital Network and Direct Billing:

• AXA: 10,000+ network hospitals worldwide. Very strong in Southeast Asia including Bumrungrad, Bangkok Hospital, and Vinmec. Direct billing available at all network facilities.
• Cigna: 1.5 million+ providers globally. The largest network of the three. Excellent direct billing coverage in North America, Europe, and major Asian cities.
• Allianz: 5,000+ network hospitals. Particularly strong in Europe (German, French, and Swiss hospitals). Good but smaller network in Southeast Asia compared to AXA.

Strengths and Weaknesses

AXA Strengths: Best hospital network in Southeast Asia, competitive pricing, flexible plan design, excellent reputation in Asia-Pacific markets.

AXA Weaknesses: Customer service can be slow during peak periods, claims processing for out-of-network care may require more documentation.

Cigna Strengths: Largest global provider network, modular plan design gives maximum flexibility, excellent US coverage, fast claims processing, mobile app with digital ID card.

Cigna Weaknesses: Premium pricing — among the most expensive international insurers, especially with US coverage. Can be overkill for healthy individuals who just need basic coverage.

Allianz Strengths: Best value at mid-tier coverage levels, strong European hospital network, reliable claims processing, German engineering approach to plan design.

Allianz Weaknesses: Smaller hospital network in Asia compared to AXA, fewer plan customization options, less established in Southeast Asian markets.

Which Provider Is Right for You?

• Choose AXA if you’re based in Southeast Asia (especially Thailand or Vietnam), want a strong Asia hospital network, or need coverage for your family
• Choose Cigna if you want maximum flexibility and customization, need US coverage, or want the largest hospital network worldwide
• Choose Allianz if you’re based in Europe, want the best mid-tier value, or prefer a straightforward premium plan without too many decisions

Thailand Health Insurance for Foreigners: Complete Guide

Thailand remains one of the top destinations for expats, retirees, and digital nomads worldwide. With its warm climate, incredible food, and affordable cost of living, it’s easy to see why. But one essential that many newcomers overlook is proper health insurance. This guide covers everything foreigners need to know about health insurance in Thailand.

Health insurance guide for foreigners living in Thailand.

Why Health Insurance Is Essential in Thailand

While Thailand offers some of the best value healthcare in the world, the quality gap between public and private hospitals is significant. If you need treatment at one of the country’s excellent international hospitals — and most expats do — the costs can be surprisingly high without insurance:

• Emergency room visit at Bumrungrad: 5,000-15,000 THB ($140-$420)
• Overnight hospital stay at Bangkok Hospital: 8,000-25,000 THB ($225-$700) per night
• Major surgery (e.g., appendectomy): 150,000-400,000 THB ($4,200-$11,200)
• ICU care: 25,000-80,000 THB ($700-$2,250) per day
• Medical evacuation to Singapore: 300,000-1,500,000 THB ($8,400-$42,000)

These are costs that most people can’t afford out of pocket — and that’s exactly what health insurance is for. See our Thailand health insurance page for plan comparisons.

Types of Health Insurance Available to Foreigners

1. International Health Insurance — The recommended option for most expats. These plans cover you worldwide (or in your chosen region), include emergency evacuation, offer direct billing at Thai international hospitals, and provide English-language customer support. Major providers include AXA, Cigna, Allianz, and Bupa Global. Learn more about international health insurance.

2. Thai Local Insurance — Offered by Thai companies like AIA, Muang Thai, and Bangkok Life. More affordable (starting from 30,000 THB/year or ~$85/month) but with significant limitations: coverage restricted to Thailand, Thai-language policies and claims, lower coverage limits, and no evacuation coverage.

3. Social Security (for employed foreigners) — If you have a work permit and are employed by a Thai company, you automatically contribute to the Social Security Fund which provides basic coverage at public hospitals. It’s free but very limited — most expats supplement it with private insurance.

Insurance Requirements for Thai Visas

Thailand increasingly requires health insurance for long-term stays:

• Non-Immigrant O-A (Retirement): Requires insurance with minimum THB 3 million inpatient coverage. Must be from a TGIA-approved Thai insurer or accepted international provider.
• Non-Immigrant O-X (Retirement, 10-year): Requires THB 3 million inpatient coverage, specifically from OIC-approved Thai insurers.
• LTR (Long-Term Resident): Requires $50,000 minimum health insurance coverage or equivalent bank deposit.
• Thailand Elite: No mandatory insurance requirement (but strongly recommended).

Working with a broker who understands Thai visa requirements can save you significant hassle. Compare Global Care ensures your plan meets the specific requirements for your visa category.

Top International Hospitals in Thailand

When choosing insurance, verify that your plan covers these premier hospitals:

• Bumrungrad International — Bangkok’s most famous international hospital, JCI accredited, serves 520,000+ international patients annually
• Bangkok Hospital Group — Network of 40+ hospitals across Thailand, all JCI accredited
• Samitivej Hospital — Excellent for maternity and pediatrics, popular among expat families
• Vejthani Hospital — Known for orthopedics, spine surgery, and joint replacement

Tips for Choosing the Right Thailand Health Insurance

Consider these factors when comparing plans:

• Check the hospital network: Make sure your preferred hospital accepts direct billing from the insurer
• Don’t over-insure: If you’re based in Thailand where care is affordable, a moderate deductible can save you significantly on premiums
• Include evacuation coverage: For serious conditions, you may need transport to Bangkok (if in a rural area) or to Singapore
• Consider your visa needs: If you need coverage for a retirement visa, ensure the plan meets THB 3 million minimum
• Read the pre-existing condition clause: Some plans exclude conditions you had before enrolling; others cover them after a waiting period

For detailed plan comparisons and personalized recommendations, visit our free quote page.

How Much Does International Health Insurance Cost?

One of the first questions expats and digital nomads ask when considering international health insurance is: “How much will it cost?” The answer depends on several factors, but understanding the typical price ranges can help you budget and compare plans effectively.

International health insurance pricing and cost factors.

Average Costs by Coverage Level

International health insurance costs vary significantly based on the level of coverage you choose:

• Basic/Essential plans: $80–$200/month — Covers inpatient treatment, emergency care, and medical evacuation. Best for healthy individuals in countries with affordable outpatient care like Thailand and Vietnam.
• Comprehensive/Mid-tier plans: $200–$450/month — Adds outpatient care, specialist visits, prescription drugs, and preventive screening. Covers approximately 90% of medical needs.
• Premium/Executive plans: $450–$900/month — Includes dental, vision, maternity, mental health, wellness checkups, and alternative medicine. The most complete coverage available.

These are typical ranges for a healthy individual aged 30-40. Costs increase with age, pre-existing conditions, and if you include US coverage.

Key Factors That Affect Your Premium

Several variables determine exactly what you’ll pay for international health insurance:

Age: Premiums increase with age. A 25-year-old might pay $100/month while a 55-year-old with the same plan pays $350-500/month. Most insurers use age bands that increase every 5-10 years.

Geographic coverage: This is the single biggest cost factor. Worldwide coverage including the USA typically costs 2-3x more than worldwide excluding the USA, because US healthcare is dramatically more expensive. If you don’t plan to visit the US, choosing “worldwide excluding USA” can save you 40-60%.

Deductible: The deductible (excess) is the amount you pay before insurance kicks in. A $0 deductible plan costs the most. Choosing a $500 or $1,000 deductible can reduce your premium by 15-30%. For expats in Southeast Asia where routine care is affordable, a higher deductible is often a smart trade-off.

Coverage area: Regional plans (e.g., Southeast Asia only) are cheaper than worldwide plans. If you primarily live in one region and rarely travel far, a regional plan can offer great value.

Family size: Adding a spouse typically costs 70-100% of the primary policyholder’s premium. Children usually cost 30-50% each. Family discounts of 5-10% are common.

Real-World Price Examples

Here are some representative quotes for different scenarios (2026 prices):

• 30-year-old digital nomad, Southeast Asia, basic plan: $90-130/month
• 40-year-old expat in Thailand, comprehensive plan: $280-380/month
• Couple (35 & 33), Vietnam, comprehensive plan: $500-700/month combined
• Family of 4, worldwide excluding USA, premium plan: $800-1,500/month
• 55-year-old retiree, worldwide including USA, comprehensive: $700-1,200/month

Ways to Reduce Your Insurance Cost

If the quotes you’re seeing are above your budget, consider these strategies:

• Exclude the USA — This alone can cut your premium in half
• Increase your deductible — A $500-1,000 deductible saves 15-30%
• Choose regional coverage — Southeast Asia-only plans are very affordable
• Pay annually — Most insurers offer 5-10% discount for annual payment vs. monthly
• Compare multiple providers — Prices for similar coverage can vary 30-50% between insurers

The most important tip: don’t just look at the premium. Check the coverage limits, exclusions, and claim processes. A cheaper plan that doesn’t cover what you need is not a bargain.

Get an Accurate Quote

Online price ranges give you a ballpark, but the only way to know your exact cost is to get personalized quotes. At Compare Global Care, we compare plans from 10+ international insurers and find the best value for your specific situation. Our service is completely free — we’re paid by the insurers, not by you.