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Health, Insurance & Safety

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

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

How does the healthcare system work in China and Hong Kong, and which insurance do you need?

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What is the quality of healthcare in China & Hong Kong?

  • China and Hong Kong have separate healthcare systems that differ greatly in quality, accessibility and cost.
  • In the larger Chinese cities, you can often choose between the local hospital (often good care, but also overcrowded and sometimes chaotic), the VIP department of the local hospital (quieter, more English, cleaner) or a special clinic aimed at foreigners (with better facilities and more recognisable approaches and procedures, although here too you can sometimes be surprised). In rural areas, care is often limited.
  • In an emergency or emergency, always ask -where possible- the emergency centre of your health insurance company first which clinic or hospital you can be transported to for further treatment.
  • Be aware that the distances in Chinese cities can be large, and there can be considerable delays, depending on traffic.
  • Chinese ambulances can sometimes take a long time to arrive; consider arranging your own transport to your preferred hospital if possible. In addition to regular healthcare with doctors, pharmacies, hospitals and clinics, China has of course also traditionally had a very extensive classical Chinese medicine with acupuncture and traditional healing methods.
  • The healthcare system in Hong Kong is considered one of the best in the world, with a robust public sector and a high-quality private sector.
  • International health insurance is crucial in both regions, especially because many of the best hospitals are private.
  • Medicines (on doctor's prescription) are in principle taken and paid for immediately.
  • If you are dependent on special medicines, always take a large starting supply with you when you move to China; arrange a medicine declaration in connection with customs control.
  • Preferably check the international generic name (active ingredient) of your medicine with your regular pharmacy before departure, separately from the brand, and ask for the name of this medicine in China.
  • In the pharmacies in the larger Chinese cities that also focus on foreigners, many medicines are of course reasonably available; inquire in good time (well before your starting supply runs out) about follow-up prescriptions, and/or ask for help from your health insurer.
  • Public healthcare in Hong Kong is of very good quality and is provided by the Hospital Authority and the Department of Health. Private healthcare is also of very good quality.
  • In Hong Kong you will find pharmacies everywhere, some of which are open 24 hours a day.
  • If you are taking prescribed medication to Hong Kong, make sure it is in its original packaging and that you bring the prescription. It may also be useful to have your doctor write a note explaining why you need the medication.
  • The emergency services in Hong Kong are quite fast and efficient. If you call 999 in a medical emergency, you will be taken to a public hospital by a public ambulance (free of charge).
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How does the public healthcare system work in China & Hong Kong?

  • Depending on the type of hospital you visit and the length of your stay in/getting used to China, you may experience a sense of chaos; the most basic (local) hospitals are often overcrowded and procedures are different from what you are used to.
  • China has four public health networks:
    • the public health service system for prevention, control, education, child and maternity care, mental health, emergency care, blood collection, health monitoring, family planning plus a network of public health services.
    • the actual health care, with hospitals at district and canton level in rural areas and health centres at village level; in the cities, hospitals and neighbourhood health centres work together at different levels.
    • health insurance: a basic insurance supplemented with additional insurance; a distinction is made between working and unemployed city dwellers, there is a (relatively new) cooperative insurance in rural areas and a relief fund for people in difficulty.
    • a network for medicines, from production to distribution, with one national system for basic medicines.
  • The quality of care varies enormously. In large cities, public hospitals are often well-equipped, but in smaller towns and rural areas, care is limited.
  • Costs in public hospitals are relatively low, but waiting times can be long. Consultations and medicines are usually paid for immediately (sometimes by credit card).
  • Doctors in public hospitals rarely speak English, which can make it difficult for expatriates.
  • Most expatriates therefore do not actually use the public system, but opt ​​for private institutions. In addition, the public health care system is also quite expensive and often does not cover everything.
  • Hong Kong offers universal health care through the public system, financed by taxes. There is no financial contribution to public health care.
  • Health care in Hong Kong is of excellent quality, with well-equipped public hospitals and experienced medical staff. It is also a lot more affordable than private care. Treatments in public hospitals often cost a fraction of what private hospitals charge.
  • You can only use public health care if you have a Hong Kong ID card.
  • Dental care is not covered by the public health care system, except in cases of absolute emergency. In Hong Kong, a small fee (around HKD 180) is usually charged for an emergency room visit.
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How does the private healthcare system work in China & Hong Kong?

  • In China, many expats opt for private hospitals and international clinics, where the care is of high quality and you have quicker access to specialists and advanced treatments.
  • In a private hospital in China, the medical staff is more likely to speak English and there are more international doctors present.
  • In a private hospital in China, the nurses and doctors will generally be less likely to leave you to your own devices.
  • The infrastructure and hygiene in a private hospital in China is often good and according to "international" standards. In a government hospital, you can end up in a bed without pillows or blankets, and you can lie together with the local community.
  • Private healthcare in China is expensive and you have to pay up front, unless you have good international health insurance.
  • Private healthcare in Hong Kong is excellent and is often chosen by expatriates because of the short waiting times, doctors who speak English and luxury facilities. In fact, it is often the case that the government only grants expatriates a visa if the employer provides private health insurance.
  • The price tag in Hong Kong is high. A regular check-up in a private clinic can easily cost hundreds of dollars.
  • Many employers who bring foreigners to Hong Kong therefore offer insurance that covers private care. However, it can still be useful to take out insurance yourself for repatriation, for example, but also for any costs that are not covered by your employer's insurance.
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How is the GP arranged in China & Hong Kong?

  • In principle, the general practitioner and the home visit of a doctor do not exist in China. For a medical examination or a simple doctor's consultation in China, you often go directly to the hospital.
  • In Hong Kong, general practitioner care is well arranged. You can easily make an appointment with a general practitioner in a private clinic, but often this is not even necessary. The waiting times are generally short, but you pay considerably more for private care. In the public system, you can also go to a general practitioner, but you must make an appointment at least 24 hours in advance.
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How is the dentist arranged in China & Hong Kong?

  • Dentists in China are available in both public and private clinics. Private clinics in cities like Shanghai and Beijing offer Western standards, but are more expensive.
  • Dental care in Hong Kong is of high quality, but like other private healthcare, it is expensive. A check-up can cost $50-100.
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How is pregnancy care arranged in China & Hong Kong?

  • Maternity care in public hospitals in China is cheaper, but expats often experience a language barrier and crowded conditions.
  • Many expats choose private hospitals or international clinics in China where English is spoken. These offer excellent prenatal care, but the costs are high.
  • Breastfeeding is encouraged in China, but feeding your baby in public can sometimes be met with mixed reactions.
  • Public hospitals in Hong Kong offer excellent prenatal and postnatal care, and the costs are low.
  • Many expats choose private hospitals for a more personal experience. The cost of giving birth in a private hospital can run into the tens of thousands of dollars.
  • Hong Kong actively promotes breastfeeding, and it is socially acceptable to do so in public.
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How safe or unsafe is a trip or stay in China & Hong Kong?

What should you pay attention to in terms of safety in China & Hong Kong?

  • China is generally a safe country with a low crime rate. Urban areas have good safety, but pickpocketing occurs in busy tourist areas.
  • Avoid political topics, both in conversations and online posts. It can be sensitive and lead to problems with authorities.
  • The Chinese government strictly controls the internet and social media. Do not use VPNs to access blocked sites such as Facebook or Google without understanding that this is officially not allowed.
  • In rural areas you can encounter poisonous snakes, scorpions and other animals. Be careful in mountainous or forested areas.
  • Earthquakes are not uncommon, especially in western China (such as Sichuan). Make sure you are familiar with the safety protocols.
  • During the rainy season (especially in summer), flooding is a risk in southern China.
  • Hong Kong is one of the safest cities in the world, but beware of pickpockets in busy areas.
  • There have been political protests since 2019. Although these have become less frequent, it is important to keep an eye on the situation.
  • May to November is typhoon season in Hong Kong. During a typhoon warning signal (T8 or higher), public transport is restricted and businesses are closed. Make sure you have an emergency kit.
  • In mountainous areas, there may be a risk of landslides during heavy rainfall.

What should you look out for in terms of diseases in China & Hong Kong?

  • It is not recommended to drink tap water in China; drink bottled water instead.
  • Air pollution is also a major problem in Chinese cities. Cities such as Beijing and Tianjin often suffer from smog. Wear a mask and avoid outdoor activities on days with high pollution.
  • Infectious diseases such as hepatitis and tuberculosis are common in China, especially in rural areas. Vaccinations are recommended, check with your vaccination doctor.
  • Tap water in Hong Kong is safe to drink, although some expats prefer to use bottled water.
  • There are few health risks in Hong Kong. Dengue and chikungunya (transmitted by mosquitoes) can occasionally occur in certain seasons.

What should you pay attention to when it comes to traffic in China & Hong Kong?

  • In large cities such as Beijing and Shanghai, traffic is often an organized chaos. Cars, scooters, bicycles and pedestrians often share the same roads without clear rules.
  • In China, roads are often of poor quality in rural areas.
  • Many drivers ignore traffic lights, especially at busy intersections. So always be on your guard when participating in traffic, even as a pedestrian.
  • Expats need a Chinese driving license to drive legally. International driving licenses are not accepted.
  • Getting a driving license in China can be a bureaucratic process, so many opt for chauffeurs or taxi apps like Didi.
  • China’s train network is impressive, with high-speed trains connecting major cities. They are reliable, affordable and comfortable. In urban areas, the metro is a fast and efficient way to get around.
  • Electric scooters are popular, but the rules vary from city to city. In some cities, helmets are mandatory, while in others scooters are banned.
  • Hong Kong’s public transport system is excellent, with an efficient metro system (MTR) and buses. Driving in Hong Kong is not necessary and is often considered stressful due to heavy traffic and high costs.
  • Traffic in Hong Kong is much more organized than in China, but it is very busy, especially in the city center.
  • Driving is on the left, which is important to remember if you are coming from a right-hand drive country. An international driving license is accepted for short stays. For a longer stay, you must obtain a local driving license.
  • Parking in Hong Kong is extremely expensive, and most expats do not use their own car.
  • Taxis are relatively cheap, but speaking English is not a guarantee for taxi drivers. Apps such as Uber or Grab can be useful.
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What work and travel insurance policies are suitable for short and long stays in China & Hong Kong?

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What emigration and expat insurance can you take out for China & Hong Kong if you are going to live there for a while?

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What insurance can you choose as backpacker, emigrant, expat, intern, nomad, student, volunteer or traveler abroad?
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What are the main international insurances through JoHo and WorldSupporter for activities, backpacking or travel to or from Macau

Advice and decision support
Insurance
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What are the main international insurances through JoHo and WorldSupporter for emigrants, expats and nomads in Macau

Advice and decision support
Insurance
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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?

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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.
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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.
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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.
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What insurance do you need for a trip or vacation?

 

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Travel insurances and insurances for long term abroad - Theme
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?

Round the world travel insurance or long-term travel insurance

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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.
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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.
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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.
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What insurance do you need when backpacking abroad?

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Travel insurances and insurances for long term abroad - Theme
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?

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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.
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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.
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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.”
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What insurance do you need when backpacking abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance 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?

Insurance for working abroad

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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.
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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.
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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.
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What insurance do you need to work abroad?

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International insurance for working abroad or digital nomads
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?

Insurance for working with animals abroad

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

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International insurance for working abroad or digital nomads
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?

Volunteering abroad with the right insurance

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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
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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.
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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.
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What insurance do you need when volunteering abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance 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?

Internship abroad with the right insurance

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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.
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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.
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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

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance 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, and why should you take out specialized travel insurance for your education abroad?

Studying abroad with the right insurance

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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.
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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.
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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

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance 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 or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

Take out insurance if you are going to do move abroad as expat or emigrant?

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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.
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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.
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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.
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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
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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
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What insurance do you need for emigration or working as an expat abroad?

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad, healthcare systems and health insurance 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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Insuring and taking care abroad

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

Macau: selection of contributions by WorldSupporters - Bundle
Going abroad?

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Related topics and terms

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Related countries and regions:

Image ACTIVITIES

Check courses, jobs, projects, recipes, suggestions and tips related to: 'Macau'

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Image Learning Chinese abroad: what is it, why should you do it and what is the best place to go?
Learning Chinese abroad: what is it, why should you do it and what do you need? What is a Chinese language course? Why should you learn the Chinese language and take a...
Activities abroad: home bundle

Main content and contributions for activities abroad

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

...to help another, travel with care, work together , learn to share and inspire with your experience

 

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

Activities abroad

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    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.
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    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.
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    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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      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 languages courses and learning a language

      Activities abroad: for languages courses and learning a language

      Bundled for languages courses and learning a language

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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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      Activities abroad: for intern, volunteer and work abroad per sector

      Activities abroad: for intern, volunteer and work abroad per sector

      Intern, volunteer or work abroad per sector

      Access: 
      Public
      Themes: home bundles per activity abroad

      Themes: home bundles per activity abroad

      Themes: main theme pages for emigration, moving and living abroad
      Activiteiten in het buitenland: startbundel

      Activiteiten in het buitenland: startbundel

      Worldsupporter: home pages and bundles

      Worldsupporter: home pages and bundles

      Image STORIES

      Check blogs, experiences and information related to: 'Macau'

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      Countries & Destinations: home bundle

      Bundled content, suggestions, stories and tips about the countries and destinations in the world

      ...to help another, travel with care, work together , learn to share and inspire with your experience

      Africa: country bundles

      Africa: country bundles

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      Public
      Asia: country bundles

      Asia: country bundles

      Country bundles of Asian countries

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      Public
      Central America: country bundles

      Central America: country bundles

      Europe: country bundles

      Europe: country bundles

      Country bundles of European countries

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      Public
      Middle East: country bundles

      Middle East: country bundles

      Country bundles of the Middle East

      Abu Dhabi, Dubai & United Arab Emirates - Bahrain - Egypt - Iran - Iraq - Israel - Jordan - Kuwait - Lebanon - Qatar - Saudi Arabia - Syria - Turkey - Yemen

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      North America: country bundles
      Oceania & The Pacific: country bundles

      Oceania & The Pacific: country bundles

      The Australia & Oceania/Pacific continent consists of many small island countries and islands territories.

      List of countries:

      • Antarctica (continent)
      • Australia
      • Fiji
      • Kiribati
      • Marshall Islands
      • Micronesia
      • Nauru
      • New Zealand
      • Palau
      • Samoa
      • Solomon Islands
      • Tonga
      • Tuvalu
      • Vanuatu
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      South America: country bundles

      South America: country bundles

      South America: country bundles

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      The Caribbean: country bundles

      The Caribbean: country bundles

      Country bundles of Caribbean countries

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      Public
      Countries: habits, food customs and philosophies per continent and country in the world

      Countries: habits, food customs and philosophies per continent and country in the world

      Countries: how to see happiness from the eyes of another country and continent

      Countries: how to see happiness from the eyes of another country and continent

      Countries: emigration, moving and living abroad: per continent and country

      Countries: emigration, moving and living abroad: per continent and country

      Countries: the worst time to go abroad and the best time per country or region

      Countries: the worst time to go abroad and the best time per country or region

      Image ORGANIZATIONS

      Check sectors and organizations related to: 'Macau'

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      Organizations & Services: home bundle

      Bundled content, suggestions, stories and tips about organizations and their products and services

      ...to help another, travel with care, work together, learn to share and inspire with your experience

      Organizations: home page
      Organizations in the spotlight: home bundle

      Organizations in the spotlight: home bundle

      Organizations in the spotlight: home bundle

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      Organizations for administrative, tax and legal work and consulting

      Organizations for administrative, tax and legal work and consulting

      international law

      Activities, internships, paid work, services or volunteer work in administration, tax and legal consulting

      Administrative, tax and legal consulting abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for agriculture, grape picking, farming and vineyards
      Organizations: for animal protection, animal care and working with wildlife abroad
      Organizations: for au pairs, youth work and child care abroad
      Organizations: for bush camping and working at a campsite abroad
      Organizations: for catering, hospitality and entertainment abroad
      Organizations: for civil society and social work abroad
      Organizations for corporate business services

      Organizations for corporate business services

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      Activities, internships, paid work, services or volunteer work in corporate business services

      Corporate business services abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for customer services abroad and help desks
      Organizations: for diving, snorkeling and water sports abroad
      Organizations: for education and schools abroad
      Organizations: for expatriate insurances, travel insurances, and emergency call centers
      Organizations: for gap year activities abroad and sabbaticals
      Organizations: for internship placement abroad
      Organizations: for insurances and finance abroad
      Organizations for IT, engineering and construction

      Organizations for IT, engineering and construction

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      Activities, internships, paid work, services or volunteer work in IT, webdevelopment, engineering and construction

      IT, engineering and construction abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for language travel and language teaching abroad
      Organizations for marketing, communication and PR abroad

      Organizations for marketing, communication and PR abroad

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      Activities, internships, paid work, services or volunteer work in marketing and communication

      Marketing, communication and PR abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for mediation in au pairs, childcare and elderly care in the Netherlands
      Organizations for moving, international relocation and transport abroad

      Organizations for moving, international relocation and transport abroad

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      Activities, internships, paid work, services or volunteer work in transport and international relocation

      Moving abroad and relocation services abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:

      Moving abroad and relocation

      ......Read more on this page
      Organizations for nature conservation, environmental protection and working in nature abroad

      Organizations for nature conservation, environmental protection and working in nature abroad

      Costa Rica rain forest - Jungle

      Activities, internships, paid work, services or volunteer work in environmental protection, sustainability and nature conservation

      Nature conservation and environmental protection abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for nonprofit projects, development work and international cooperation
      Organizations: for online work as digital nomad, freelancer, or independent entrepreneur from abroad
      Organizations: for outdoor activities and sports
      Organizations: for paid employment abroad and international recruitment

      Organizations: for paid employment abroad and international recruitment

      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

      Organizations: for providing accommodation and hospitality work in hotels, guesthouses, ecolodges and hostels abroad

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      Activities, internships, paid work, services or volunteer work in hotels, resorts, guesthouses, ecolodges, bed and breakfasts and hostels abroad

      Working in hospitality and tourist accommodations abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for providing healthcare and working in medical care abroad

      Organizations: for providing healthcare and working in medical care abroad

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      Activities, internships, paid work, services or volunteer work in healthcare

      Providing healthcare and working in medical care abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for psychological assistance and mental health care abroad

      Organizations: for psychological assistance and mental health care abroad

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      Activities, internships, paid work, services or volunteer work in psychological assistance, coaching and mental health care abroad

      Psychological assistance, coaching and mental health care abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for real estate, brokerage abroad and property rental abroad
      Organizations: for research and scientific work abroad

      Organizations: for research and scientific work abroad

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      Organizations: for research, R&D, data collection, data analysis and scientific work abroad

      Activities, internships, paid work, services or volunteer work in research and science

      From R&D to data collection and data analysis

      Research and science abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page
      Organizations: for student support and student associations
      Organizations: for tour guidance and adventure tours abroad
      Organizations: for tourism and organized travel and leisure work abroad
      Organizations: for voluntary work mediation and project placement abroad
      Organizations for yacht and shipping crew and working on a cruise ship abroad

      Organizations for yacht and shipping crew and working on a cruise ship abroad

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      Activities, internships, paid work, services or volunteer work on cruise ships, sailing yachts and other ships

      Boat crew, deck hand or working for an international shipping organization

      Working on a yacht or cruise ship abroad: by position

      For job roles and duties related to activities, internships and jobs abroad, see:
      ......Read more on this page

      Image SUMMARIES

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      FAVORITES

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      Icon Mudan Consultancy
      Mudan Consultancy

      Mudan Consultancy organiseert en begeleidt zakelijke en culturele activiteiten in China voor Nederlandse bedrijven en organisaties. Note: Mudan Consultancy lijkt niet langer actief

      Icon Teaching Spanish around the world and abroad
      Teaching Spanish around the world and abroad

      Teach Spanish around the world and abroad Teaching Spanish abroad: orientation

      • What are the requirements to become a Spanish teacher abroad?
      • At which schools can you teach Spanish abroad as a foreigner or as a (non) native speaker?
      • What do you get out of teaching or ...

      Icon Tiantan
      Tiantan

      Tiantan | Reizen naar China organiseert individuele reizen, reizen op maat en join-in reizen naar China. Het bureau is de opvolger van VNC Asia Travel (est. 1980). Bij Tiantan kun je ook terecht voor regiospecifieke informatie en reisadvies.

      Go abroad!

      Move or live abroad? check your options with The JoHo Insurance Foundation

      Study or travel abroad? check your insurance options with The JoHo Foundation

      Naar het buitenland (NL)?: Je vertrek voorbereiden of je verzekering afsluiten bij studie, stage of onderzoek in het buitenland

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      Stories, tips and experiences from Macau

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