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I am currently insured by my employer but I'm planning to quit and backpack for three months through Asia and Europe. I am relocating from Asia to the UK. At the end of my trip, I will be insured again under the NHS. I'd like to purchase travel insurance for this period. Does the fact that I have no "home" insurance matter?

Along these lines, is there a difference between a globally valid medical insurance and the travel insurance with worldwide coverage? The latter seems cheaper, which is a bit counterintuitive.

TL;DR I have no insurance but want to travel. Will just travel insurance suffice? I'm looking at a policy like this one - https://www.allianz-assistance.com.sg/media/documents/20170802-B2C-PW.pdf

Edit: To provide context, I'm an Indian citizen, legally resident in Singapore and insured here by my employer and moving to the UK for graduate school.

  • Assuming you're a UK citizen with a history of UK residence and can prove an intent to permanently return to the UK, you may be eligible for NHS coverage the moment you return to the UK - even if this is early as a result of emergency medical repatriation. However, the guidelines are extremely unclear and I have had no personal experience of trying to use the NHS in this situation. I recommend seeking expert advice, if you wanted to rely on that. NHS eligibility info here: gov.uk/government/publications/… – Wandering Chemist Mar 25 '18 at 15:18
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    "The latter seems cheaper, which is a bit counterintuitive" The travel insurance probably only covers emergency treatment and repatriation, the medical insurance probably covers non-emergency treatment too. – Wandering Chemist Mar 25 '18 at 15:23
  • It would be helpful to know which country you have current residence in and which ones you are a citizen as this determines which insurers will do business with you. – user16259 Mar 25 '18 at 16:22
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You can’t use most common short-term travel insurances, even just for a lengthy trip like that they may not cover you even with a normal health insurance. There are providers for long-term travel insurance without a home or for long-term travel though, such as World Nomads. I haven’t used them since I use a Dutch one, but I heard they’re nice. You can easily google some alternatives to them too.

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