CareMed International Insurance & JoHo Foundation

Why Insurances through JoHo

• Specialized: in emigration, work, internships, study and travel abroad.

• Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

• Safe: JoHo is recognized as a trustworthy intermediary for insurances.

• Social: by purchasing an insurance through JoHo you provide a talented student in The Philippines with health insurance

Why Should You Take Out A Travel Insurance?

• The chance of getting injured or ill is generally higher than when you would have stayed at home. The medical care you will need can be very expensive, even more so if you are treated in a private clinic.

• If you have to fly back because of family circumstances, the flights might be more expensive than your original flight because you have to fly on short notice.

• You might have to deal with the damage, loss or theft of your luggage.

• In case of emergency it can be difficult to figure out what to do. A good travel insurance will have an assistance team on standby for you 24/7 and will be able to tell you what steps to take.

Why Should You Specifically Take Out A Travel Insurance For A Long Trip Abroad?

• Often regular travel or health insurances only cover trips for a maximum number of days (for example 60, 90 or 180 days).

• Depending on your home country, your health insurance might not offer any coverage for treatment abroad.

• During a long trip you might consider specific activities, like paid work or volunteering. Regular travel insurances often don’t cover these kind of activities. The same goes for adventurous/ hazardous sports like skydiving, scuba-diving and bungee jumping.

More on why to use JoHo

• JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialized insurance.

• JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

• When you purchase an insurance policy through JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

• JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer.