Yes. Nomad Insurance Complete includes both outpatient and inpatient mental health benefits.
Coverage is subject to visit limits, annual limits, and pre-approval requirements.
Outpatient Mental Health Coverage
Under Nomad Insurance Complete:
Up to 10 outpatient mental health visits per policy year
Included within the USD 5,000 annual outpatient limit
No deductible applies to outpatient mental health visits
Reimbursed at 100% of Usual, Customary, and Reasonable (UCR) rates
Mental health visits may include appointments with:
A psychologist
A psychiatrist
A licensed therapist
Note: The USD 5,000 annual limit applies across eligible outpatient care, including mental health therapy.
Inpatient Mental Health Coverage
Inpatient mental health treatment, including psychiatric hospitalisation, is included under Nomad Insurance Complete.
Coverage eligibility and limits depend on your policy terms and medical circumstances. For case-specific clarification, refer to your policy wording or contact the claims team.
Pre-Approval Requirements (Important)
Mental health treatment requires pre-approval — with one exception.
First outpatient visit
Does not require pre-approval
You may attend the visit and submit a claim using the pay-and-claim process
Ongoing outpatient treatment
All visits after the first session must be pre-approved
Pre-approval must be requested at least 7 business days in advance
Failure to obtain pre-approval may result in a 30% reduction in reimbursement
How to Request Pre-Approval
After your first visit, obtain a medical note and treatment plan that includes:
Start date of your symptoms
Details of treatment received
Relevant medical history
Proposed treatment frequency
Proposed treatment method
Estimated total cost for the full treatment plan
The document must be signed and stamped by a psychiatrist or a medical doctor.
To submit your request:
Log in to your SafetyWing dashboard
Select “Pre-approval or direct billing.”
Submit your request
Reimbursement & UCR Rates
Approved mental health treatment is reimbursed at 100% of Usual, Customary, and Reasonable (UCR) rates for the treatment location.
If a provider’s fees exceed UCR rates, you may be responsible for paying the difference.
Pre-approval confirms eligibility under the plan terms but does not guarantee full reimbursement. Final reimbursement is determined after the claims team reviews the invoice and medical documentation.
FAQs
Is there a fixed per-session dollar limit?
No. Sessions are reimbursed at 100% of UCR rates. There is no fixed per-session cap, but reimbursement is subject to:
The 10-visit annual limit
The USD 5,000 outpatient annual limit
UCR rate evaluation
Can mental health visits be extended beyond the 10-visit limit?
No. The 10-visit limit per policy year is a fixed maximum and cannot be extended.
If you have further questions, our Customer Care team is happy to help.