Insurance for expats and emigrants

International Insurances for expats and emigrants

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Are you insured while moving and living abroad as emigrant or working as expat?

For your medical expenses during your transition period, your healthcare costs during your stay or your liability?
For your activities, your disability, your household contents, your repatriation, or a possible accident?

Table of contents

  • Why should you take out specialized insurance for moving abroad as an emigrant or an expat?
  • What insurance can you choose?
  • Why should you take out travel insurance and why through the JoHo Foundation?
  • Emigration and living abroad checklist for legal and insurance matters?

 

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

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

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • 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 are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks

When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad

What insurance do you need for emigration or working as an expat 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 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: by purchasing insurance through JoHo you support WorldSupporter and the JoHo Smokey projects in The Philippines

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 insur

Read more about JoHo and JoHo Insurances

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

      What are the main international insurances for expat of emigrants?

      What are the spotlight insurances?

      Henner 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

      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

      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

      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

      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

      What to do next?

       

      Organizations: JoHo partners for International Insurances

      Organizations: JoHo partners for International Insurances

      ACS

      ACS

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      ACS – Travel & Expatriate Insurance Solutions is a French insurance broker. ACS offers insurance solutions for people visiting France as well as expatriates worldwide.

      Allianz Care

      Allianz Care

      Allianz care ziektekostenverzekering die af te sluiten is door bedrijven (Collectief) en personen (I

      Allianz Care offers health, life and disability insurance as well as a wide range of health and protection services to organisations and insurance partners worldwide. Allianz Care is one of the main brands of Allianz Partners (other brands: Allianz Assistance, Allianz Travel and Allianz Automotive). Allianz Care operates from Ireland.

      Products offered by JoHo Insurances:

      • Allianz Care
      ......Read more on this page
      APRIL International

      APRIL International

      Een verzekering voor expats, studenten, working holiday visa-houders (WHV), au pairs, bedrijven en m

      APRIL International Care France, an insurance intermediary, designs, distributes and manages insurance solutions and assistance services for individuals, travelers, expatriates and businesses. Through the APRIL International brand, they combine local expertise with a global presence to simplify life for their internationally mobile clients. Administration centres in Paris, Bangkok, Mexico, London, Singapore, Hong-Kong, Vietnam and the Philippines

      Products offered by JoHo Insurances:

      ......Read more on this page
      ASSSA

      ASSSA

      Assa Healthcare verzekeringen

      ASSSA is a leading private health insurer with over 80 years of experience in providing high-quality healthcare services in Spain. ASSSA (Agrupacion Sanitaria Seguros, S.A.) understands the unique needs of expats and foreigners in Spain, offering insurance policies that provide both comprehensive medical coverage and administrative support. Policyholders can visit one of twenty local customer service offices for assistance in

      ......Read more on this page
      CareMed International Insurance
      Cigna Healthcare

      Cigna Healthcare

      Cigna healthcare verzekering voor binnen en buitenland

      Cigna Healthcare is a large international health insurer of American origin. JoHo Insurances is offering Cigna insurance products for many years. Cigna is a well-known name worldwide, and with a Cigna insurance policy, you are assured of access to a large international network of healthcare providers. However, this service comes at a price. On average, Cigna's premiums are slightly higher

      ......Read more on this page
      Expatriate Group
      Globality Health

      Globality Health

      Globality Health Germany

      Globality Health is an international health insurer with a special focus on expatriates, for people who are studying, traveling, living and/or working abroad. With more than 80 years of experience in the health insurance industry, they provide customers with a competent and established international network of assistance and service partners. As an integral part of Munich Health, they offer

      ......Read more on this page
      Henner

      Henner

      Henner verzekeringen

      Henner is an international and independent group that creates, manages, and markets innovative solutions in personal insurance. 
      Whether you are young, retired, in search of a job, a local employee or a permanent resident, whether you want to stay connected to your country of origin or not. Henner has developed solutions to cover your health costs and your

      ......Read more on this page
      SafetyWing

      SafetyWing

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      SafetyWing is a technology-driven insurance company founded in 2018 with the mission of building a global social safety net for remote workers, digital nomads, and remote-first companies. Headquartered in Palo Alto, California, and operating remotely with a distributed team across continents, the company offers software-based insurance and benefits to cater to the needs of a borderless workforce.

      William Russell

      William Russell

      William Russel Healthcare verzekeringen

      William Russell is a UK‑based, boutique provider of international insurance, specializing in health, life, and income protection for expats, digital nomads, remote professionals, and internationally mobile families. Established in 1992, the company has grown from a small family-run venture into a respected name serving clients in more than 160 countries.

      Products offered by JoHo Insurances:

      ......Read more on this page
      World Nomads

      World Nomads

      world nomads travel insurance verzekering voor digital nomads en reizigers

      World Nomads is a travel-focused company founded in 2002 that started as a travel blog and evolved into a global online travel insurance provider and resource hub for independent travelers, volunteers, and students. Headquartered in Sydney, Australia and part of the Australian nib Group

      Allianz Global Assistance Verzekeringen
      Goudse Verzekeringen & ISIS Verzekeringen
      OOM Verzekeringen
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      More insurance matters

      Emigration and living abroad checklist for legal and insurance matters

      Emigration and living abroad checklist for legal and insurance matters

      checklist legal matters

      1. Make use of a legal advisor

      • A scan of your juridical status and the possible risks abroad may be advisable.
      • Check the consequences for inheritance tax, family law, succession rights and matrimonial properties.
      • Possibly get a review of your new international contract (mind the differences in labour law).
      • Check our blog 'How do you assess the reliability of an international insurer?' (in Dutch)

      2. Look into the visa requirements & start the visa procedure

      • Expand the basic inventory that you made in the orientation phase.
      • Use online communities and forums, check recent experiences from people who requested the visa and have the same nationality as you do. Double check their advice.
      • Check for everyone if they need a work permit or residence permit, if they meet the requirements for that and which documents are necessary.
      • Some countries have extra requirements, such as medical clearances or police certificates.
      • Arrange a definitive contract or proof of employment with your future employer.
      • Contact the consulate or embassy before you emigrate and (double) check the current state of (visa) affairs.
      • Download all required documents and read the notices.
      • Plan way ahead, visa procedures can take long, up to several years (be flexible in purchasing/selling housing, finding temporary housing etc.).
      • Consider using a visa service company, especially for popular emigration countries.

      3. Check which documents you need to legalize

      • Find out if your new country has a treaty with your native country.
      • Find out which documents need translation and into which language.
      • Find out which documents you need to legalize.
      • Provide birth certificates, marriage certificates, evidence of (special) (work) skills, diplomas, recommendation letters.
      • Start on time.

      4. Check your insurance policies and ask for advice

      • Create an overview of your current policies, contract terms, contact information.
      • Ask about the consequences of your emigration with regards to current insurance policies and make sure that you terminate them in time.
      • Make sure that you terminate home insurances, property insurances, car insurances etc. at the correct time: not too early (not insured), not too late (double costs).
      • Read up on (international) health insurances. Find orientation on www.expatinsurances.org.
      • Get information from an insurance expert about:
        • Ending your current health insurance.
        • Whether your new country has treaties with your home country.
        • Whether to get local insurance or not.
        • Whether the insurance provided by your local employer provides enough coverage.
        • Getting international health insurance.
      • Start on time, mindful of  how long medical checks can take to complete.

      4. How to prepare documents?

      • Check the validity of all passports. Or arrange passports for family members with a different kind of ID.
      • Also bring: passport photos, drivers licenses (possibly a temporary international driver's license), birth certificates, marriage certificates, last wills, documents on euthanasia, police certificates, divorce papers, death certificates (if your previous partner died), recommendation letters, diplomas, resume/CV, medical files, evidences of being creditworthy, school files, insurance papers, student ID's, medicine recipes and proof of the vaccinations you had.
      • Make an easy-to-find archive for every family member with (copies of) personal documents.
      • Make sure you know about recent developments concerning double nationalities and find out how to extend your passport in your new home country.
      • Consider using an online/digital safe or cloud functionality and give access to your lawyer or someone you trust.
      • Gather receipts of the properties you take with you (proof you own them already, to avoid breaking import laws).
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