Travel to Ghana to backpack, study, intern, volunteer, work, or live as a digital nomad, expat or emigrant?

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Intro

Backpacking or traveling in Ghana?

  • Ghana is one of the best travelable and developed countries in Africa (especially for example for Dutch people). It is relatively safe, the people are incredibly friendly and there is a huge amount to do within a short distance of each other. 
  • Activity spotting: explore the rainforest of Kakum National Park, experience lively Accra, take a food tour of Ghanaian food, visit a cocoa farm, have a beautiful garment made, walk through slave fort Cape Coast Castle, enjoy the tropical coastline, take surfing lessons and spot elephants in Mole National Park.

Studying in Ghana?

  • Ghana is developing rapidly and so is education. There are several good universities, specialized colleges and polytechnic institutes with a huge choice of courses. Popular courses include engineering, agriculture and forestry, business administration, natural sciences and humanities. 
  • Ghana's official language is English, which makes a difference!
  • Study cities: Accra, Kumasi. 

Internship in Ghana?

  • There are several contacts between organizations in the Netherlands and Ghana. Possibly you can find an internship through a Dutch organization. Internships are available in medicine/nursing, education, orphan care, among others. 
  • Competencies: cultural sensitivity, adaptability/working under unpredictable circumstances, resilience, problem solving thinking, understanding of development issues. 

Volunteer in Ghana?

  • There are multiple options for volunteering in Ghana. For example, consider volunteering your forces for sea turtle protection, education, as a medical assistant, for reforestation and construction work. 

Working in Ghana?

  • The fact that English is spoken makes finding a job easier, but it can still be quite difficult. It is especially important that you already have connections and a good, valuable skillset/background. There are few options, but sectors where you might find something are international business administration, construction (as an executive with experience), teacher or at international companies.
  • Most opportunity are in Accra. 

Working as a digital nomad in Ghana?

  • As a culturally rich, friendly and well-developed country, Ghana is a growing destination for digital nomads. There are many options for accommodations and an increasing number of co-working places. Already in Accra, you have access to modern amenities, while you can enjoy beautiful beaches and beautiful parks in your downtime. Costs can be higher than you might expect in a country in Africa, though.
  • Favorite locations: Accra, including the Osu district, and Kumasi. 

Living in Ghana?

  • In Ghana, you definitely experience a good quality of life. The people are incredibly friendly, it is politically stable and it is one of the most developed countries in Africa. However, it is also one of the most expensive. 
  • Education is good, so it is also a good country for families to move to. 
  • Just be aware of diseases that are going around, such as Malaria, and security risks such as robberies. 
  • Make sure you have your own good health insurance.

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Preparation & Packing

Packing list for Ghana, travel insurance for Ghana, and taking your belongings

Packing list for Ghana, travel insurance for Ghana, and taking your belongings

What to take with you to Ghana: short

Featured items:
  • Documents: passport that is valid for at least 6 months. An online and/or offline copy of your passport is always useful.
  • Money: it is useful to have enough Ghanaian cedis (GHS) with you for small expenses upon arrival or in case your debit card does not work.
  • Care: strong sunscreen and lip balm for the dry season.
  • Outdoor and handy items: cap or hat and good sunglasses. Raincoat for the rainy season.
  • Clothing: light, loose clothing, especially for the rainy season, that does not get dirty quickly (lots of red dust in Ghana!). Clothing suitable for church visits (shoulders and knees covered) and covering clothing for walks in nature. An extra layer for the early morning and evening. Shoes: sandals/flip-flops for easy days. Comfortable sneakers or hiking shoes for hiking days.
  • Medicines and travel kit: a small first aid kit with plasters, painkillers, stomach complaints and ORS (dehydration after a stomach attack is nice). Anti-mosquito repellent.
  • Safety: mosquito nets or impregnated mosquito nets or mosquito nets if you stay in accommodations that are not safely equipped for mosquitoes, especially outside the cities.
  • Technology and equipment: world plug with type G. A headlamp or flashlight and power bank for possible power outages.
  • Women: tampons.
What are some other options for packing as well?
  • Reusable water bottle with filter.
  • Quick-drying travel towel.
  • E-reader or offline entertainment.
  • International driving permit, when you want to rent a car.
  • Tissues/toilet paper.
  • Small gifts to make the children you meet happy.
  • Earplugs, because it is rarely really quiet in Ghana (roosters, music, traffic...).

Are there mosquitoes in Ghana?

  • There are many mosquitoes everywhere in Ghana and they can transmit nasty diseases.
  • The mosquitoes are most active during the early morning and early evening. And of course in the rainy season.
  • It is important to protect yourself well against mosquitoes.

Are there sandflies in Ghana?

  • Sand flies, which can transmit leishmaniasis (locally called agbamekanu), are present in certain areas of Ghana.
  • A well-known area is the Ho district in the Volta region.

Can you buy DEET, or other mosquito repellents, in Ghana?

  • Insect repellents are available locally in Ghana, especially in urban areas such as Accra.
  • Used brands of insect repellent in Ghana are: Jungle Formula, OFF and Autan.
  • Repellents containing DEET are available, but harder to find.

Can you buy a joint or weed in Ghana, or take it with you to Ghana?

  • Possession, use and sale of cannabis are illegal in Ghana and can result in severe penalties, including prison sentences of up to 10 years.
  • Although legislation was passed in 2023 that allows the cultivation of cannabis for medical and industrial purposes under strict conditions, recreational use remains strictly prohibited.
  • And so does bringing cannabis with you: it is strictly prohibit!

Health, Insurance & Safety

How does healthcare work in Ghana, and what travel insurance, health insurance or expat insurance do you need?

How does healthcare work in Ghana, and what travel insurance, health insurance or expat insurance do you need?

What is the quality of healthcare in Ghana?

  • Healthcare in Ghana faces many challenges. There are many illnesses and many conditions are increasing, and there is also a shortage of staff and infrastructure, especially outside the cities.
  • Healthcare consists of five different levels, from basic care at local health posts to highly specialized care in places like Accra. Care is also spread across the national, regional, and district levels.
  • Generally, healthcare in urban areas is reasonable, and most facilities, such as hospitals, clinics, and pharmacies, are located there. However, healthcare is still quite limited and does not meet the standards you might be used to.
  • In rural areas, things are different. Here, modern healthcare is virtually non-existent, and traditional medicines are mainly used. Ghana has the NHIS – National Health Insurance Scheme, which has been in place since 2003 and covers part of the population.
  • The Ministry of Health sets the framework; implementation is handled by the Ghana Health Service (GHS).
  • English is the official language in Ghana, which makes communication with healthcare workers (at least in the cities) easier.
  • The range of medicines is greater in specialized care than in primary care. Medicines are also more readily available in cities and at private pharmacies.
  • There is a National Ambulance Service (NAS) operating out of Accra and Kumasi. The national emergency number is 112.

How does the public healthcare system work in Ghana?

  • Public healthcare is publicly funded, usually free or affordable through the NHIS – provided you are a cardholder.
  • The cost of NHIS is determined by income. It is free for children under 18 years, people over 70 years, and pregnant women. There are large hospitals such as EFSTH (Banjul equivalent) and Kanifing General, plus regional Brong-Ahafo hospitals (e.g., Tetteh Quarshie Hospital) and Kumasi (West End Hospital). Healthcare is available, but there are insufficient beds, medications, or staff.
  • NHIS covers basic care – but even then, you can expect additional costs for labs, medication, or ambulance services after the consultation.

How does the private healthcare system work in Ghana?

  • The private sector accounts for approximately 40% of the healthcare market and is growing.
  • These institutions are mainly found in cities and urban areas. Fancy clinics in Accra or Kumasi are for those who can afford them.
  • The care is generally better than in the public sector, but also more expensive. Nevertheless, the majority of the population who use healthcare choose the private sector.
  • Some institutions include Trust Hospital (Accra), West End Hospital (Kumasi), and St. Dominic Hospital. These offer what you are used to in the EU – including air conditioning, but at prices that will raise eyebrows.

How is the family doctor or general practitioner arranged in Ghana?

  • The first point of contact for care can be found in community clinics, where you usually speak with nurses. So, not a real GP, but they can be a lifesaver for malaria or diarrhea in the bush.
  • In cities, you see private GPs and walk-in clinics, which often seem faster and more professional. You pay a premium outside the NHIS. No waiting list, just a bill.
  • For complex cases, you'll be referred to hospitals like West End or EFSTH.

How is the dental care and dentist arranged in Ghana?

  • In the public system, basic dental care is available in hospitals. In rural areas, you'll likely have to endure a toothache for a bit longer.
  • The vast majority of dentists work in Accra or Kumasi.
  • There are a few relatively modern, private dental clinics available in Accra or Kumasi.

How is pregnancy and maternity care arranged in Ghana?

  • Maternity care in Ghana has improved over the years, resulting in a decrease in maternal and infant mortality rates. However, the numbers remain high, and many challenges remain, especially in rural areas.
  • Traditionally, pregnancy and childbirth in Ghana are accompanied by many rituals and spiritual practices. During this period, women are considered vulnerable to evil spirits and sorcery, making spiritual protection through traditional caregivers important. Mothers also often play a significant role in their daughter's pregnancy. The birth itself is a joyous occasion!
  • Since 2008, all basic maternity care in public hospitals has been free for Ghanaians through the NHIS.
  • However, the most comprehensive care is available in private institutions, where the wait time is often shorter.
  • For high-risk pregnancies, it's best to look for a good clinic in Accra or Kumasi.

How safe or unsafe is a trip or stay in Ghana?

What should you pay attention to in terms of safety in Ghana?

  • In general, most of Ghana is relatively safe. Expats often mention the friendliness of the people, and it is considered one of the safer countries in Africa.
  • However, it's best to avoid the border with Burkina Faso and the surrounding region. Attacks and kidnappings sometimes occur there.
  • It's also always good to remain cautious and avoid remote or dark areas in cities, especially as a woman.
  • It's also recommended to use cash as much as possible. Ghanaians are notorious for their credit card fraud.

What should you look out for in terms of diseases in Ghana?

  • Malaria is prevalent throughout the country, and other mosquito-borne diseases are also common. So make sure you're well-protected.
  • Other infectious diseases, such as those caused by foodborne illnesses, are also present. So make sure food is thoroughly cooked and drink bottled water.
  • Ghana has one of the highest rates of HIV/AIDS.

What should you pay attention to when it comes to traffic in Ghana?

  • Traffic is quite chaotic. Important things to keep in mind: drive on the left, wear a helmet on your scooter, and be alert for bush taxis.
  • Outside the city, roads are often unlit and bumpy.
  • Oh, and forget about street names. They exist, but in practice, nobody uses them. It's better to memorize the major landmarks; they usually indicate directions.

What are the best insurance options for backpacking, traveling, doing an internship, studying, volunteering, or working in Ghana?

What types of insurance should you get if you're planning to emigrate, work as an expat, or live in Ghana?

What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?

What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Ghana

Advice and decision support
Insurance

What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Ghana

Advice and decision support
Insurance
Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

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?

 

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly 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 when backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.

Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking 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 for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.

What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”

What insurance do you need when backpacking abroad?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • 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 insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • That you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.

What insurance do you need to work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad, and why do you need specific insurance for jobs, internships, and volunteer work abroad?

What is insurance for working with animals abroad?

  • Insuring yourself for working abroad with animals means taking out insurance that continues to provide coverage during your paid, unpaid, or internship work abroad, where minor or major risks are involved.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for work abroad.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work. Almost all standard insurers exclude working with animals from coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work. All over the world, there are reserves, rescue centers, and zoos where you can roll up your sleeves as a veterinarian, intern, or volunteer. Working with animals or wildlife is not without danger. No matter how cute they may look, or how tame they may behave. All animals can suddenly bite viciously or lash out with a claw or beak. Not only can this result in nasty injuries, but it can also transmit diseases that you would rather not have, and certainly not abroad.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • That you have insurance that provides sufficient coverage for the work you will be performing.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • 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 insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.

Which insurance do you need for working, an internship, or volunteering with animals abroad?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work?

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When 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 voluntary work 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 work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • 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 volunteering abroad?

Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.

Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), 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 trips without work activities.

What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), 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 and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

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

  • That you have insurance that is valid in the country or countries where you are going to travel and 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 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 alongside your studies.

Check out more about international insurances

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?

International insurance through JoHo Insurances and JoHo WorldSupporter

International insurance through JoHo Insurances and JoHo WorldSupporter

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Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page
Insuring, troubleshooting and safe travel abroad

Insuring, troubleshooting and safe travel abroad

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Table of contents
  • Why get specific insurance when going abroad?
  • How to survive disasters abroad ?
  • How to insure activities abroad?
  • Which Insurances apply for internships, staying, studying, volunteer work or paid work abroad?

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Reading & Remembering

Ghana: Updates & Travel

Ghana: Updates & Travel

Travel in Ghana?

  • Ghana is one of the most travelable countries on the west coast of Africa. With a friendly population, plenty of variety and not too long distances, it is suitable for both shorter and longer stays.
  • The Mole National Park, a low-key park lots of wildlife (including elephants) that is very approachable.
  • The market of Bolgatanga. In this market you will find a wide range of bags, rugs and handmade products.
  • The Kakum National Park. This park consists entirely of rainforest and has impressive flora and fauna. Here you will find, among other things, 500 different species of butterflies.
  • The difference between the north, east and south of Ghana.
  • The people who in also interested in you, the people who work locally for their fellow Ghanaians, the many projects.
  • Accra, the capital of Ghana, is a vibrant city right by the sea.
  • The beach towns near Accra.
  • Cape Coast and Elmina with the old slave forts.
  • Surroundings of Lake Volta, the largest reservoir in the world.
  • Teshi with the wood artists.
  • Kumasi, the second biggest city in Ghana.
  • Homosexuality is not forbidden, but Ghana is a religious country that seems to be becoming less and less tolerant.
  • Being harassed by vendors can be annoying, but in general there is no aggression involved in Ghana.

Updates Ghana

  • More about Ghana, updates and contributions, see the link below.
Ghana: selectie van blogs en bijdragen van Wereldsupporters - Bundel

Ghana: selectie van blogs en bijdragen van Wereldsupporters - Bundel

Selectie van blogs en bijdragen van WorldSupporters over Ghana

 

Welk visum regelen voor een reis, werk of vrijwilligerswerk naar Ghana?

Welk visum regelen voor een reis, werk of vrijwilligerswerk naar Ghana?

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Toeristenvisum

Wanneer je Ghana wil bezoeken als tourist dan heb je een entry visum nodig. Deze moet je van tevoren in Nederland aanvragen via de website van de Ghanese ambassade in Den Haag. Voor deze online aanvraag moet je een account registreren en de stappen volgen met bijbehorend vliegticketnummer, kopie van je paspoort in PDF formaat en een pasfoto niet langer dan drie maanden oud. Je kan hierbij kiezen uit de volgende visa:

  • single entry 3 maanden
  • multiple entry 3 maanden
  • multiple entry 6 maanden
  • multiple entry 12 maanden

De kosten beginnen bij 60 euro en verschillen per visum lengte. Naast je aanvraag online moet je ook een aanvraag doen bij de ambassade in Den Haag zelf. Hiervoor heb je verschillende documenten nodig:

  • Een kopie van het online formulier dat je van tevoren hebt voldaan en opgestuurd.
  • Een recente pasfoto van max drie maanden oud
  • Kopie van het returnticket of een doorreis ticket en de reisroute
  • Kopie van relevante pagina's in je paspoort 
  • Vaccinatiebewijs gele koorts

Werkvisum

Om te mogen werken in Ghana moet er zowel een verblijfsvergunning als een werkvergunning aangevraagd worden.

Benodigdheden verblijfsvergunning:

  • Ingevuld aanvraagformulier
  • Een brief met reden voor aanvraag
  • CV
  • Brief van Ghanese sponsor
  • Contract
  • Diploma's
  • Drie pasfoto's
  • Medisch rapport van een ziekenhuis in Ghana.
  • Politierapport uit Nederland
  • Brief met toestemming van het Ministerie van Binnenlandse Zaken

Benodigdheden werkvisum:

  • Officieel aanvraagformulier, in blokletters
  • 4 Pasfoto's, niet ouder dan drie maanden
  • Uitnodigingsbrief, kopie arbeidscontract
  • Kopie van je vluchtticket
  • Paspoort, geldig tot 6 maanden na terugkomst
  • Vaccinatiebewijs gele koorts
  • Bewijs toelating Employment Quota Ghana, deze gaat over het aantal niet-Ghanezen die mogen werken in het land
  • Eerste reis naar Ghana: De aanvraag persoonlijk indienen bij de ambassade. Ben je al eerder in Ghana geweest, dan een kopie van je paspoort en vorige visum van Ghana.

Voor een werkvergunning moet de aanvrager bij de balie van het Hoofdkantoor van het Ghana Immigration Service (GIS) een applicatieformulier invullen en ondertekenen. Daarnaast moeten de volgende documenten ook getoond worden:

  • CV (inclusief behaalde diploma's en certificaten)
  • Politierapport van het thuisland
  • Medisch rapport
  • Kopie van paspoort
  • Contract
  • Ingevuld aanvraagformulier
  • Documenten van het bedrijf waar je gaat werken

Vrijwilligersvisum

Hiervoor heb je al de bovenstaande documenten nodig (onder het kopje toeristenvisum), plus een uitnodigingsbrief van de organisatie waarbij je vrijwilligerswerk gaat doen. Hierin moet worden uitgelegd wat de redenen voor je bezoek zijn, en een brief van de ondersteunende organisatie in Nederland. Ook moet je een adres van verblijf op kunnen geven. 

Actuele informatie 

De meest actuele informatie check je op: http://www.ghanaembassy.nl/consular-section/visa-applications.html

Recept: Wat móet je gegeten hebben als je in Ghana bent geweest?

Recept: Wat móet je gegeten hebben als je in Ghana bent geweest?

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Waneer ik aan Ghanees eten denk, denk ik gelijk aafn Fufu. Een zeer bijzonder gerecht wat erg leuk is om te maken, maar waarvan ik erg moest wennen aan de substantie. Dit is mij dan ook niet gelukt binnen de zes weken, maar ik ben er wel zeker van dat je di geprobeerd moet hebben voordat je weer naar huis gaat!! Het is wel belangrijk om te melden dat in dit recet alleen de bereiding van Fufu wordt uitgelegd. Het kan geserveerd worden met pittige tomatensoep, maar daarvan moet je het recept wel zelf eveen uitkiezen (er zijn veel verschillende sooren en smaken verschillen natuurlijk!).

Plaats de cassave en de plantain in een grote pan en voeg koud water toe tot ze onder water staan. Breng aan de kook en kook de cassave en planain tot ze gaar zijn (ongeveer 30 minuten). Giet af en spel ze af met koud water. Stamp ze fijn met een aardappelstamper, klop en roer ze vervolgens met een houtenlepen tot een volledig gladde, samenhangengende, elastisch-taaie puree. Hiervoor zijn misschien twee personen nodig: een die stampt en een die de pan vasthoudt. Het kan wel een kwartier of langer duren voor je Fufu goed is! Vorm ballen van de Fufu leg de bal in het bord en gied de soper eroverheen. Fufu wordt met de hand gegeten (let er wel op dat dit met de rechterhand gebeurd!).

Ready In: 30 min.

Ingredients:

  • Cassave
  • Plantain
  • Kip/geit
Recept: Jollof Rijst (Ghana)

Recept: Jollof Rijst (Ghana)

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Heerlijk recept voor Ghanese Jollof rijst (of Djollof rijst)

1) Verhit een ruime laag olie in een pan.

2) Voeg de ui toe en bak tot het glazig ziet.

3) Doe de tomatenpasta erbij en bak zo'n 5 minuten mee, blijf roeren!

4) Voeg de trassi, kerrie, gember, knoflook en peper toe. Bak zo'n 10 minuten.

5) Blikje tomaten toevoegen en wat zout naar smaak.

6) Doe de rijst erbij, roer goed door en voeg wat water toe tot het geheel net onder water staat. Niet teveel!

7) Laat gaar koken. Als het water verdampt is maar de rijst nog niet gaar, voeg iets extra water toe. Een deksel op de pan zorgt voor extra stoom.

Lekker met kip, geitenvlees en/of salade!

Het recept is heel goed aan te passen naar je persoonlijke smaak, als je het bijvoorbeeld vegetarisch wilt maken of iets niet lust.

Eet smakelijk!

Ready In: 40 min.

Ingredients:

  • 300 gr rijst
  • 2 grote uien, gesnipperd
  • blik tomatenblokjes
  • blikje tomatenpasta
  • 2 blokjes trassi
  • 1/2 theelepel kerriepoeder
  • 1/2 theelepel gemberpoeder (of stukje gepureerde gember)
  • 2 teentjes gepureerde knoflook
  • gele peper, naar smaak
Terugblik + literatuuronderzoek, vrijwilligerswerk en Ghana

Terugblik + literatuuronderzoek, vrijwilligerswerk en Ghana

Terugblik

De periode in Ghana als zeer intens gevonden. Ik sliep in het weeshuis dichtbij de kinderen en zag hen de hele dag. Dit is een hele bijzondere ervaring. Zo bouw je met die kinderen een band op. Dat was iets wat ik van te voren had bedacht op te vermijden. De kinderen waren in het begin aanhankelijk. Het is gelukt om een band op te bouwen met de kinderen op een manier dat we niet noodzakelijk waren voor de kinderen. We zorgden dat kinderen met ons extra dingen deden en dat leerden en zelf door konden geven/ leren. We hebben daarmee wel iets duurzaams achtergelaten. Dit is een kleine verandering, maar zal zich uitbreiden. Door de donatie voor het weeshuis, zullen de kinderen in betere omstandigheden kunnen opgroeien.

 

Ik heb geleerd dat het leven in Ghana anders is dan in Nederland, er is een groepscultuur. Mensen hebben meer tijd in het leven en nemen het zoals het komt. In het begin was het even wennen, maar voor mij was het verbazingwekkend hoe snel het ook als normaal kan voelen. We zaten in het weeshuis en dat zorgde ervoor dat ik me snel aanpaste aan de cultuur, omdat je daar voortdurend contact mee had.

 

Vrijwilligerswerk is een mooie manier om iets te kunnen betekenen in een land. Het verschil maken kan niet, een steentje bijdragen wel. Met dit idee ben ik daar ook naartoe gegaan. In de vier weken dat ik daar ben geweest heb je je eigen manier van omgaan met de kinderen en normen en waarden. Hoe open je je ook stelt voor de cultuur, je bent altijd jezelf en dat zal invloed hebben op de kinderen. Esther Kooymans heeft een onderzoek (Bachelor these) gedaan naar de invloed van het wonen in een kindertehuis heeft op de hectingsontwikkeling kinderen. De belangrijkste bevinding hiervan is dat de “Veel studies rapporteren de negatieve consequenties

hiervan en wijden deze aan een gebrek aan mogelijkheden tot het vormen van een emotionele relatie tussen het kind en de verzorger, wat een belangrijke ontwikkelingstaak is voor kinderen op een jonge leeftijd. Het gevolg hiervan zou het optreden van hechtingsproblemen zijn.” (E. Kooymans, 2007)

 

In het kindertehuis waar ik was, waren twee begeleiders. Dit zijn vaste begeleiders die er de hele week dag en nacht zijn. Het kindertehuis bestond nog maar driekwart jaar toen ik er was. Maar er waren al ong. 12 vrijwilligers geweest. Het is een mooie toevoeging, de moeders hebben het namelijk druk met de dagelijkse dingen. Het gevaar is dat de kinderen zich meer naar de vrijwilligers gaan trekken dan naar de moeders. Ik heb tijdens de training en introductiedagen gehoord dat vooral de ondersteuning in de dagelijkse taken belangrijk is. In de praktijk liep dit bij mij anders en waren we meer met de kinderen bezig dan de moeders. Achteraf gezien denk ik dat dit niet ten goede komt aan de ontwikkeling van de kinderen. De kinderen moesten huilen bij het afscheid. Als er vrijwilligers komen en gaan, dan is dit niet goed voor de ontwikkeling en kan de hechtingsproblematiek versterken.

Ik snap daarom ook wel de kritiek die de laatste tijd komt op de groeiende belangstelling voor vrijwilligerswerk in een ontwikkelingsland vanuit Nederland. Als het aanbod van vrijwilligers groter is dan het aantal weeshuizen zal dit zorgen voor een ongelijke verhouding die misschien ten kosten gaat aan de vaste begeleiders. Renske de Greef heeft een paar maanden in Tanzania gewoond en zij zegt er het volgende over: “Het kan zeer lucratief zijn om een bedrijf te op te richten rond beschermde diersoorten, weeskinderen of waterputten, want waar de meesten bij de term ‘vrijwilligerswerk’ denken aan ‘onbetaald werken’, moeten vrijwilligers in zulke landen vaak betalen om mee te mogen doen aan een project – en niet zo weinig ook. Natuurlijk wordt dat bedrag besteed aan onderdak, vervoer en eten, en soms vloeit het terug in het project zelf, maar in veel gevallen is het gewoon winst.” (R. de Greef 2014)

Vrijwilligerswerk begint (of is) een hype te worden. Dat hier winst mee wordt gemaakt, waar Nederlandse of rijke mensen in het ontwikkelingslang rijker van worden vind ik niet correct. Hierbij wordt het doel voorbij gestreefd.

Greef zei ook “Het is goed dat zoveel jongeren nieuwsgierig zijn, dat ze interesse hebben in vreemde landen en culturen en dat ze zich willen inzetten voor anderen. Maar veel vrijwilligersprojecten zijn in het beste geval bezigheidstherapie, en in het slechtste geval schadelijk.”

Hierbij moet naar mijn mening een nuancering worden gemaakt. Er zijn namelijk verschillende soorten vrijwilligerswerk. Vrijwilligersreizen, die vaak in groepen worden gedaan, daarbij wordt in een bepaalde (korte) periode van 2 – 6 weken een reis gemaakt waarbij vrijwilligers een aantal dagen bij een project verblijven. Daarnaast heb je vrijwilligerswerk waarbij vrijwilligers een aantal weken of maanden vrijwilligerswerk doen, waarbij ze verblijven in een gastgezin of op het project.

Bij de eerste variant kan ik de kritiek begrijpen, omdat de kindertehuizen vooral als bezoek plek worden gebruikt. Ik vind dat meer ‘aapjes kijken’. Ook omdat dit vaak gebeurd met meerdere vrijwilligers. Hierbij denk ik dat dit weinig duurzaams oplevert, behalve misschien geld. Wel zijn er veel vrijwilligers die langs het project komen en aandacht hebben voor de kinderen. De kinderen worden opgetild, geknuffeld en hebben extra aandacht. Als dit het geluk van de kinderen op het moment positief beïnvloed, waarom zou dit dan negatief zijn. Voor de ontwikkeling van een kind is het beter als de kinderen bij hun ouders opgroeien of bij vaste begeleiders. Als er zo weinig geld is dat er weinig begeleiders zijn en dat de vrijwilligers aandacht aan de kinderen kunnen geven, dan is dit wel de oplossing. Ook heerst er ontwikkelingslanden vaak een groepscultuur. De kinderen zijn gewend om met verschillende mensen contact te hebben, voor hun is het daarom minder 

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Help out at schools and educational projects in Ghana, Mauritius, Tanzania, Zanzibar, or in South Afrika or Eswatini. What do you get out of it? Competencies:...
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Activities abroad: home bundle

Main content and contributions for activities abroad

,,,accommodations, adventure activities, courses, internships, jobs and volunteer projects

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Activities abroad: home page

Activities abroad: home page

From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.

    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.

    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

      Activities abroad: for experiencing countries and cultures abroad

      Activities abroad: for experiencing countries and cultures abroad

      Bundled content for experiencing countries and cultures during gap year, travel and backpacking abroad

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      Activities abroad: for sports, adventure and outdoor abroad

      Activities abroad: for sports, adventure and outdoor abroad

      Bundled content for sports, adventure and outdoor during travel, gap year and backpacking abroad

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      SPOTLIGHT & FAVORITES

      SPOTLIGHT
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      Toeristenvisum Wanneer je Ghana wil bezoeken als tourist dan heb je een entry visum nodig. Deze moet je van tevoren in Nederland aanvragen via de website van de Ghanese ambassade in Den Haag. Voor deze online aanvraag moet je een account registreren en de stappen volgen met bijbehorend vliegticketnu...

      FAVORITES
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      In Ghana was het normaal dat er geen electriciteit was. In Ghana gingen alle werkzaamheden gewoon door of er nou wel of geen licht was. Dat is in Nederland wel anders heb ik gemerkt. Vandaag viel op mijn werk de stroom uit. Heel het bedrijf lag stil en wij konden helemaal niets meer doen. Wij zaten ...

      Child Support Ghana

      Deze Nederlandse stichting biedt steun aan meisjes in Ghana. Vrijwilligerswerk is mogelijk onder bepaalde voorwaarden. Zo kun je bijvoorbeeld meewerken in het lokale, regionaal ziekenhuis in ‘Wa’ en zo de unieke kans krijgen om te zien hoe het er aan toegaat in een Afrikaans ziekenhuis. ...

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      Paid work around the world and abroad

      Paid work around the world and abroad Paid work abroad: orientation

      • What is paid work abroad?
      • Why do paid work abroad?
      • What do you need to do paid work abroad?
      • To what extent are you insured when you do paid work abroad?
      • How to select a paid wo...

      Working as an expat around the world and abroad

      Working as an expat around the world and abroad Working abroad as an expat: orientation

      • What is working as an expat abroad?
      • Why should you work as an expat abroad?
      • What do you need if you want to work abroad as an expat?
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      Go abroad!
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      Stories, tips and experiences from Ghana

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