Why should you take out specialized travel insurance for working abroad?

Why should you take out specialized travel insurance for paid work, voluntary work or an internship abroad?

• There may be several reasons why you need separate insurance when working abroad.
• During work, internships, or volunteer work abroad where you receive financial compensation (or, for example, food or housing), your national health insurance coverage may expire. You will then need special insurance to remain insured for illness and accidents.
• During specific work abroad, additional requirements may apply if your work involves additional risks. Only specific insurance policies offer coverage during this type of work.
• During your work, 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 work, local employers generally offer no or limited insurance that provides insufficient coverage.

What is important to insure when you are going to work 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.

Check out more about international insurances

• Why and where to take out travel insurances for abroad
• Why and where to take out insurances that cover medical expenses abroad
• Insurance for activities abroad when you are Dutch