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

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Image  Bosnia and Herzegovina

Intro

Backpacking or traveling in Bosnia Herzegovina?

  • Many people still think that you should avoid this country, good for you! Because nothing could be further from the truth, this country has a lot to offer and that without the mass tourism in some other parts of Europe. Think of historic cities, breathtaking nature and an interesting mix of Eastern mysticism and European comforts. Okay, maybe you have to watch out for landmines, but otherwise it is generally just like the rest of Europe.
  • Spotting activities: walk through historic Sarajevo; jump in the Neretva river in Mostar; admire the Kravica waterfalls; visit the Blagaj Tekija monastery; go on a rafting adventure in Una National Park; explore the medieval Jajce; swim in the Adriatic Sea in Neum; relax in the salt lakes of Tuzla.
  • Spotting animals: Balkan lynx, brown bear, wolf, eagles, chamois.
  • Food spotting: Ćevapi, burek, sarma, klepe, tufahija, baklava, pita, Bosnian coffee.

Studying in Bosnia and Herzegovina?

  • There are many universities and courses to choose from. Interesting short programs that you can follow are for example focused on the turbulent history and peace and conflict resolution or energy and management of natural resources and sustainable energy.
  • Study cities: Sarajevo, Mostar, Banja Luka.
  • Language: Bosnian, Croatian and Serbian, but there are many programs in English.

Internships in Bosnia and Herzegovina?

  • There are opportunities in various sectors, from NGOs to companies in the tourism and IT sector.
  • Competencies: cultural sensitivity, project management, language skills, technological skills, interpersonal communication.

Volunteering in Bosnia and Herzegovina?

  • There are some full-time volunteer opportunities in community development or with private individuals in for example hostels, farms, tourism or just in people's homes.

Working in Bosnia and Herzegovina?

  • Most expats work for NGOs, in the diplomatic sector, as experts in industries or as English teachers.

Working as a digital nomad in Bosnia and Herzegovina?

  • It is an emerging destination for digital nomads due to its affordable cost of living and beautiful surroundings. Also, the internet is generally reliable and you can find some co-working spaces.
  • Favorite locations: Sarajevo, Mostar, Banja Luka.

Living in Bosnia and Herzegovina?

  • Living in Bosnia and Herzegovina offers an affordable and culturally rich experience. The cost of living is lower than in many other European countries, and the people are welcoming and friendly.
  • Why or why not? The cost of living is low, the people are welcoming and the nature is breathtaking, but job opportunities are limited, the infrastructure can be underdeveloped and the language barrier can be a challenge.
  • Education: There are good schools, including limited options for international schools.
  • Expat community: Small but growing.
  • Health insurance: generally good, but it can vary by area. Make sure you have your own good health insurance.
Bosnia and Herzegovina Country Bundle: suggestions, stories and tips

Bosnia and Herzegovina Country Bundle: suggestions, stories and tips

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Content about Bosnia and Herzegovina on WorldSupporter

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

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

How does the healthcare system work in Bosnia and Herzegovina?

What is the quality of healthcare in Bosnia and Herzegovina?

  • The healthcare system in Bosnia and Herzegovina is still developing. Basic care is available, but the quality and accessibility of care varies greatly from region to region because the system is very fragmented. A good sign is that life expectancy in the country is increasing. A less good sign is that medical education is not yet very good. Therefore, there are still many humanitarian organizations active in the field of medical aid.
  • Healthcare in Bosnia and Herzegovina is divided between the two entities of the country: the Federation of Bosnia and Herzegovina and the Republika Srpska. These entities have their own healthcare systems, which operate independently of each other. This makes it very difficult for the country to adopt a good, overall public system.
  • English is not always spoken, especially in the public system. It may be wise to consider an interpreter or an English-speaking private doctor!
  • Outside of Sarajevo, it can be difficult to find good medical care.
  • Pharmacies are easy to find and many medicines are available without a prescription. Make sure you bring specific medication, as some medicines can be difficult to find.
  • Health insurance is mandatory for everyone in Bosnia and Herzegovina. Most of the costs for medical care come from the health insurance companies and the financial share that the government contributes is small.
  • The European Health Insurance Card (EHIC) is not valid in Bosnia and Herzegovina.

How does the public healthcare system work in Bosnia and Herzegovina?

  • The public healthcare system is very fragmented with 13 health insurance companies and 14 health authorities spread across the country. Due to this fragmentation, the quality of care varies greatly from region to region.
  • Public healthcare is accessible to residents who contribute to the social security system. This also applies to expats with a work permit.
  • Although basic care is adequate, facilities in rural areas are often outdated and less well equipped. There are also no standardised qualifications for nurses, a limited number of hospital beds and little funding. In the public system, one can go to polyclinics, health centers, clinics (ambulantas) and hospitals.
  • Waiting times for specialist treatments can be long, and advanced technologies or medicines are sometimes not available.

How does the private healthcare system work in Bosnia and Herzegovina?

  • Expats often choose private clinics because of the better quality, faster access and English-speaking doctors. However, it is difficult to find private clinics outside Sarajevo.
  • Private healthcare is affordable compared to Western European standards, but of course these can increase, especially for more complex treatments.
  • For specific medical care or surgical procedures, some foreigners living in Bosnia and Herzegovina go to neighboring countries such as Croatia or Serbia.

How is the general practitioner arranged in Bosnia and Herzegovina?

  • In the public healthcare system, general practitioners are generally assigned. Patients often have to visit a general practitioner first before being referred to a specialist. These general practitioners can be found at local clinics called ambulantas.
  • Private clinics offer direct access to a general practitioner, often with shorter waiting times.

How is the dentist arranged in Bosnia and Herzegovina?

  • Dental care is not fully covered by public insurance and is limited in terms of services.
  • Many residents and expats opt for private dentists. The costs are relatively low, while the quality is reasonably good.
  • Cosmetic dentistry, such as implants and crowns, is widely offered and sometimes even attracts medical tourists due to the low costs.

How is pregnancy care arranged in Bosnia and Herzegovina?

  • Pregnant women have access to prenatal check-ups through the public system, but the quality can vary. Private care often offers more modern facilities and a more personal approach.
  • Most deliveries take place in public hospitals. Although these are adequate, most expats opt for private clinics because of better conditions and personal attention.
  • Abortion is legal and can be performed up to 10 weeks of pregnancy at the request of the pregnant person. After 10 weeks, it is only possible for medical reasons. Finding an abortion clinic can be difficult.
  • Bosnia and Herzegovina is a conservative country, and attitudes toward abortion can vary greatly depending on the region and the religious or cultural background of the community. This can create social pressure or stigma for women considering abortion, and you may also be refused by a doctor.

How safe or unsafe is a trip or stay in Bosnia and Herzegovina?

What should you pay attention to in terms of safety in Bosnia and Herzegovina?

  • Pickpocketing and theft are common in busy tourist areas, but you don’t need to worry about more serious crime. It is relatively safe.
  • In urban areas such as Sarajevo and Banja Luka, it is wise to secure your home against burglary, especially if you live in a remote area.
  • Corruption is still prevalent, which can also affect emigrants, especially in administrative procedures.
  • Heavy rainfall can lead to flooding in certain areas, especially in spring.

What should you look out for in terms of diseases in Bosnia and Herzegovina?

  • The health risks in Bosnia and Herzegovina are relatively low, but there are some points of attention for long-term residents.
  • Diseases such as hepatitis A and typhoid can occur, especially in cases of poor hygiene or contaminated water in remote areas.
  • Tap water is of reasonable quality, especially in the larger cities. In other locations, it may be wise to drink from bottles.
  • Bosnia and Herzegovina, and mainly Sarajevo, also experiences severe smog from time to time. The air quality in the country isn’t that great, which could lead to respiratory problems. 

What should you pay attention to when it comes to traffic in Bosnia and Herzegovina?

  • Traffic can be challenging, especially for expats who are not used to the road conditions.
  • Local drivers can drive recklessly, such as speeding or overtaking in dangerous places. Although strict alcohol laws apply, drunk driving is still common.
  • In cities, roads are generally well maintained, but in rural areas, roads can be poorly lit, narrow, or damaged. Be prepared for narrow and steep mountain roads, which can be especially dangerous in winter conditions.
  • Signposts can be unclear, especially in remote areas. Use a GPS or local apps for navigation.
  • Public transport is affordable but can be unreliable, especially in remote areas. Buses are the most common form of public transport, but quality varies.

What work and travel insurance policies are suitable for short and long stays in Bosnia and Herzegovina?

  • Is the trip to Bosnia and Herzegovina and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.

What emigration and expat insurance can you take out for Bosnia and Herzegovina if you are going to live there for a while?

  • Even if you are covered by the public system, it can be not so smart not to take your own insurance, so given the state of local healthcare. If something were to happen, you would be covered for better healthcare in a neighbouring country, for example, or medical repatriation.
  • In Bosnia and Herzegovina make sure your insurance covers medical evacuation as well as coverage in neighboring countries. Read more about insurances for abroad on Expatinsurances.org.
Bosnia and Herzegovina: Updates & Travel

Bosnia and Herzegovina: Updates & Travel

Travel in Bosnia and Herzegovina?

  • Bosnia and Herzegovina is a country with the freedom of the West, a Mediterranean lifestyle and Eastern hospitality. The former part of Yugoslavia is a safe country after the civil war and genocide, also for tourists. The country is rich in beautiful mountain landscapes and a special mix of culture. This is reflected in the street scene, the food and the costumes.
  • Sarajevo: Until recently, Sarajevo was associated with war. Today, the historic capital of Bosnia and Herzegovina is a lot more peaceful and attracts many tourists. For example, visit the Latin Bridge - the place where Franz Ferdinand was assassinated at the beginning of the First World War.
  • Astonishing beauty: One of the most beautiful sights in Bosnia and Herzegovina is the Kravica Waterfall, which is located on the Trebižat River. The water of the river that flows from the forests falls into a turquoise pool. In the Sutjeska National Park you will find one of Europe's remaining primeval forests.
  • Adrenaline overload: Bosnia-Herzegovina is a fantastic place for river sports and one of the best locations for whitewater rafting in Europe. In the popular city of Bihać you can go rafting and canoeing on the Una River all year round.
  • In 1984, the Winter Olympics were held in Bosnia-Herzegovina. Not surprising because the slopes are beautiful and it is a lot cheaper here than at the more famous ski destinations. On the Jahorina, the second largest mountain in Bosnia, there are several slopes, for beginners and advanced.
  • For culture lovers, Mostar is not to be missed. In this capital of the Herzegovina region you will find old Ottoman architecture such as Stari Most, the sixteenth-century bridge that forms an arch over the Neretva River. There are a number of mosques around the bridge. The oldest and holiest in the area is the Karadoz-Bey mosque. JoHotspots Bosnia and Herzegovina
  • Neum: Very popular with tourists because of the beautiful beaches. There are many hotels on the coast, so the prices are not that high.
  • Vlasic: In the heart of Bosnia and Herzegovina lies the large mountain Vlasic, which attracts many tourists in the winter. The mountain is close to the city of Zenica and is 1,260 meters high.
  • Medjudorje: According to stories, several people have seen Mary in this city. That is why the city has become a place of pilgrimage for Catholics since 1981.
  • In Tesanj is the oldest castle in Bosnia and Herzegovina.
  • Tuzla is a city in the northeast of Bosnia and Herzegovina and is the center of culture of the region. Tuzla is especially known for its famous painters, writers and theaters.
  • Be aware that when you travel to Bosnia and Herzegovina by car, stay on the road, because there are still landmines.
  • Watch out for pickpockets on the trams of Sarajevo. Driving fast is very normal, and a line on the road is not sacred. So pay attention!

Updates Bosnia and Herzegovina

  • More about Andorra, updates and contributions, see the link below.
Bosnia and Herzegovina: selection of contributions by WorldSupporters - Bundle

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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 (what it actually costs), and not just for the standard costs. In most countries, healthcare costs are higher than in the Netherlands.
  • 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 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

Why should you take out specialized insurance for moving abroad as an emigrant or an expat?

Why should you take out specialized insurance for moving abroad as an emigrant or an expat?

What is an emigration insurance and what is an expat insurance?

  • 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.
  • 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.

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

Check out more about international insurances

International insurances through JoHo Insurances and JoHo WorldSupporter

International insurances 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

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Safety and insurances in Bosnia and Herzegovina

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

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

How does the healthcare system work in Bosnia and Herzegovina?

What is the quality of healthcare in Bosnia and Herzegovina?

  • The healthcare system in Bosnia and Herzegovina is still developing. Basic care is available, but the quality and accessibility of care varies greatly from region to region because the system is very fragmented. A good sign is that life expectancy in the country is increasing. A less good sign is that medical education is not yet very good. Therefore, there are still many humanitarian organizations active in the field of medical aid.
  • Healthcare in Bosnia and Herzegovina is divided between the two entities of the country: the Federation of Bosnia and Herzegovina and the Republika Srpska. These entities have their own healthcare systems, which operate independently of each other. This makes it very difficult for the country to adopt a good, overall public system.
  • English is not always spoken, especially in the public system. It may be wise to consider an interpreter or an English-speaking private doctor!
  • Outside of Sarajevo, it can be difficult to find good medical care.
  • Pharmacies are easy to find and many medicines are available without a prescription. Make sure you bring specific medication, as some medicines can be difficult to find.
  • Health insurance is mandatory for everyone in Bosnia and Herzegovina. Most of the costs for medical care come from the health insurance companies and the financial share that the government contributes is small.
  • The European Health Insurance Card (EHIC) is not valid in Bosnia and Herzegovina.

How does the public healthcare system work in Bosnia and Herzegovina?

  • The public healthcare system is very fragmented with 13 health insurance companies and 14 health authorities spread across the country. Due to this fragmentation, the quality of care varies greatly from region to region.
  • Public healthcare is accessible to residents who contribute to the social security system. This also applies to expats with a work permit.
  • Although basic care is adequate, facilities in rural areas are often outdated and less well equipped. There are also no standardised qualifications for nurses, a limited number of hospital beds and little funding. In the public system, one can go to polyclinics, health centers, clinics (ambulantas) and hospitals.
  • Waiting times for specialist treatments can be long, and advanced technologies or medicines are sometimes not available.

How does the private healthcare system work in Bosnia and Herzegovina?

  • Expats often choose private clinics because of the better quality, faster access and English-speaking doctors. However, it is difficult to find private clinics outside Sarajevo.
  • Private healthcare is affordable compared to Western European standards, but of course these can increase, especially for more complex treatments.
  • For specific medical care or surgical procedures, some foreigners living in Bosnia and Herzegovina go to neighboring countries such as Croatia or Serbia.

How is the general practitioner arranged in Bosnia and Herzegovina?

  • In the public healthcare system, general practitioners are generally assigned. Patients often have to visit a general practitioner first before being referred to a specialist. These general practitioners can be found at local clinics called ambulantas.
  • Private clinics offer direct access to a general practitioner, often with shorter waiting times.

How is the dentist arranged in Bosnia and Herzegovina?

  • Dental care is not fully covered by public insurance and is limited in terms of services.
  • Many residents and expats opt for private dentists. The costs are relatively low, while the quality is reasonably good.
  • Cosmetic dentistry, such as implants and crowns, is widely offered and sometimes even attracts medical tourists due to the low costs.

How is pregnancy care arranged in Bosnia and Herzegovina?

  • Pregnant women have access to prenatal check-ups through the public system, but the quality can vary. Private care often offers more modern facilities and a more personal approach.
  • Most deliveries take place in public hospitals. Although these are adequate, most expats opt for private clinics because of better conditions and personal attention.
  • Abortion is legal and can be performed up to 10 weeks of pregnancy at the request of the pregnant person. After 10 weeks, it is only possible for medical reasons. Finding an abortion clinic can be difficult.
  • Bosnia and Herzegovina is a conservative country, and attitudes toward abortion can vary greatly depending on the region and the religious or cultural background of the community. This can create social pressure or stigma for women considering abortion, and you may also be refused by a doctor.

How safe or unsafe is a trip or stay in Bosnia and Herzegovina?

What should you pay attention to in terms of safety in Bosnia and Herzegovina?

  • Pickpocketing and theft are common in busy tourist areas, but you don’t need to worry about more serious crime. It is relatively safe.
  • In urban areas such as Sarajevo and Banja Luka, it is wise to secure your home against burglary, especially if you live in a remote area.
  • Corruption is still prevalent, which can also affect emigrants, especially in administrative procedures.
  • Heavy rainfall can lead to flooding in certain areas, especially in spring.

What should you look out for in terms of diseases in Bosnia and Herzegovina?

  • The health risks in Bosnia and Herzegovina are relatively low, but there are some points of attention for long-term residents.
  • Diseases such as hepatitis A and typhoid can occur, especially in cases of poor hygiene or contaminated water in remote areas.
  • Tap water is of reasonable quality, especially in the larger cities. In other locations, it may be wise to drink from bottles.
  • Bosnia and Herzegovina, and mainly Sarajevo, also experiences severe smog from time to time. The air quality in the country isn’t that great, which could lead to respiratory problems. 

What should you pay attention to when it comes to traffic in Bosnia and Herzegovina?

  • Traffic can be challenging, especially for expats who are not used to the road conditions.
  • Local drivers can drive recklessly, such as speeding or overtaking in dangerous places. Although strict alcohol laws apply, drunk driving is still common.
  • In cities, roads are generally well maintained, but in rural areas, roads can be poorly lit, narrow, or damaged. Be prepared for narrow and steep mountain roads, which can be especially dangerous in winter conditions.
  • Signposts can be unclear, especially in remote areas. Use a GPS or local apps for navigation.
  • Public transport is affordable but can be unreliable, especially in remote areas. Buses are the most common form of public transport, but quality varies.

What work and travel insurance policies are suitable for short and long stays in Bosnia and Herzegovina?

  • Is the trip to Bosnia and Herzegovina and your return sufficiently covered? Are you sufficiently covered before, during and after your activities? Which insurance best suits your trip and your activity? Read more about insurances for abroad on JoHoinsurances.org.

What emigration and expat insurance can you take out for Bosnia and Herzegovina if you are going to live there for a while?

  • Even if you are covered by the public system, it can be not so smart not to take your own insurance, so given the state of local healthcare. If something were to happen, you would be covered for better healthcare in a neighbouring country, for example, or medical repatriation.
  • In Bosnia and Herzegovina make sure your insurance covers medical evacuation as well as coverage in neighboring countries. Read more about insurances for abroad on Expatinsurances.org.

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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

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      Organizations: for language travel and language teaching abroad
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      Organizations: for mediation in au pairs, childcare and elderly care in the Netherlands
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      Organizations: for online work as digital nomad, freelancer, or independent entrepreneur from abroad
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      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad
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