JoHo & International insurance through The JoHo Foundation

Insurance for travel, work, study, volunteer, internships and long stay abroad

Spotlight: insurance for coming to the Netherlands

 

Table of contents

JoHo & Insurance
  • Why Insurances through JoHo? 
  • How does insurance through JoHo contribute to safety in the slums of Manila?
JoHo & Insurance: for travel and backpacking
  • Why should you take out specialized travel insurance for a long trip abroad?
  • What are the options for travel Insurance for a long trip abroad
JoHo & Insurance: for activities abroad
  • Why insure specifically as a volunteer or intern abroad?
  • What are the options for work, volunteer and intern abroad insurances
JoHo & Insurance: for emigration and living abroad
  • What are the best expat insurance packages from reputable international insurance companies offered by JoHo Insurances?
JoHo & Insurance: insurance in the spotlight
  • CareMed International Insurance
  • DAN Diving Insurance
  • Safetywing Nomad Insurance
  • World Nomads Travel Insurance
Why should you take out insurance through the JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation?
  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

  • Social: when you purchase insurance through JoHo, your referral fee will contribute to WorldSupporter and the JoHo Smokey Slum projects.

What can you expect from JoHo when it comes to insurance abroad?
  • JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialized insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy through JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurance

International Insurances for backpacking and travel

Insurance for backpacking and travel: introduction

Insurance for backpacking and travel: introduction

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need for a trip or vacation?

International Insurances for volunteers and interns

Insurance for interns, nomads, volunteers and working abroad: introduction

Insurance for interns, nomads, volunteers and working abroad: introduction

What is insurance for activities like intern, study, volunteering and working abroad?

  • Insuring activities abroad means taking out insurance that continues to provide coverage during your activities, before and after!

Why should you take out specialized insurance for activities abroad?

  • There may be several reasons why you need separate insurance for your activities abroad.
  • During specific activities abroad, additional requirements may apply if they involve extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your activities, for example because you are doing work you have little experience with or because of the nature of the activity.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When working or volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without work related activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.

What is important to insure when you are going to abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.

What insurance do you need when going abroad?

International Insurances for expats and emigrants

Insurance for emigrants, expats and living abroad: introduction

Insurance for emigrants, expats and living abroad: introduction

Insurance for emigrants, expats and living abroad

What insurance is for expats, emigrants and living abroad?

JoHo Insurances offers the most commonly purchased insurance policies for expat, emigrants en digital nomads abroad from reputable international insurance companies:

In the spotlight: International Expat Insurance

  • The International Expat Insurances Package consists of several essential coverages, designed in favour of expats and their family members. Professional assistance is offered worldwide when sickness, accident or even death occurs. Assistance is also available in case of loss of income. With this insurance you are completely free to get medical treatment in a hospital of your personal choice. This includes private hospitals.
  • Read more about International Expat Insurance

In the spotlight: April MyHealth International

  • APRIL International Care France, an insurance intermediary, designs, distributes and manages insurance solutions and assistance services for individuals, travelers, expatriates and businesses.
  • Read more about April MyHealth International

In the spotlight: Globality Health Yougenio

  • "Globality Health Yougenio is the international health insurer with a special focus on expatriates. For people who study, travel, and people living and/or working abroad. With more than 80 years of experience in health insurance, we provide our customers the convincing competence of an international network of assistance and service partners. As an integral part of Munich Health, with more than 5,000 experts at 26 locations, we offer healthcare solutions for clients and partners all over the world."
  • Read more about Globality Health Yougenio

In the spotlight: Allianz International Health Insurance

  • The Allianz Worldwide Care International Health Insurance offers a comprehensive coverage for expatriates and their family with a choice of three different levels of cover.
  • There are several insurance plans you can choose from. In either way you need to choose one of the four Core plans. Allianz offers an optional deductible for the Core plan. This can be a very high deductible.
  • Read more about Allianz International Health Insurance

In the spotlight: CIGNA International

  • CIGNA International Expatriate Benefits has more than 25 years’ experience and is the world's largest provider of employer-sponsored healthcare benefits. A comprehensive array of flexible products and funding options, coupled with simplified administration, provides coverage for expatriates around the world. And, like many of our customers, we have a local presence in many jurisdictions around the globe, which translates into first-hand knowledge of regional healthcare issues.
  • Read more about CIGNA International

    Or visit JoHo Expatinsurances.org for more international insurance options and advice

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