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

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Intro
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Backpacking or traveling in Iraq?

  • Traveling and backpacking in Iraq is a special experience, but it requires careful planning and attention to safety. The country has a rich history and culture, with many archaeological sites to visit. You will also find beautiful desert landscapes and mountainous areas and incredibly friendly and hospitable people.  You can travel around with a group tour, but you can also go on a nice backpacking trip on your own.
  • Some areas in Iraq are less safe and can be unregulated. It is important to avoid traveling to these areas and get up-to-date information from local authorities and embassy or consular services.
  • Activity spotting: explore the bazaars of Baghdad; tour the Arab Marshes in southern Iraq; witness one of the world's largest pilgrimages in Karbala, Najaf and Samsarra; learn about the first cities, agriculture and writing of 10,000-3,000 B.C. at one of the many archaeological sites; immerse yourself in the culture, food and language; make local friends over a cup of tea; take a desert tour; visit Mosul; climb the minaret of the Malwiya Mosque in Samsarra; hike through the ruins of Babylon; visit Sulaymaniyah and climb Amzar mountain; drink tea at one of Erbil's tea houses. 
  • Animal spotting: Arabian Oryx, Iraqi gazelle, wild boar, foxes, steppe eagle, tadpole, Iraqi eagle owl, chameleons, scorpions, tilapia, Arabian Lynx (very rare!). 
  • Food spotting: kebab, dolma, masgouf, biryani, hummus, tabouleh, kibbeh, pita bread, shorba, baklava, knafeh, chai, ayran. 
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Studying in Iraq?

  • Iraq has many universities with many study options. The best university scores average in global rankings. 
  • Popular studies include engineering, law, IT, computer science, philology, medicine. 
  • Study cities: Baghdad, Erbil, As Sulaymaniyah, Basrah.
  • Language: Arabic, with some English options.  
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Internship in Iraq?

  • Internships are available in a variety of sectors including education, healthcare, engineering and NGOs. 
  • Internship cities: Baghdad, Erbil and Basra.
  • Competencies: cultural sensitivity, problem solving, intercultural communication, project management, effective communication, etc. 
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Volunteering in Iraq?

  • It's not easy to just volunteer. Connections come in handy. For volunteering, you can mainly go to international aid organizations and NGOs in the field of humanitarian aid, health care and education. It is also possible to volunteer in education. 
  • Remotely, you can also volunteer at local nature organizations, for example by helping with grant writing, translation, etc. 
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Working in Iraq?

  • There are jobs for expats in engineering, oil & gas, health care and education. It is helpful/important to speak Arabic, Kurdish and English, though. 
  • Work culture: there can be tension in collaborations with foreigners. Therefore, it is extra important to respect the local culture. In the work culture, respect for seniors is important. Also, processes are often very formal and emotions are not shown much. 
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Working as a digital nomad in Iraq?

  • Iraq is not a popular country for digital nomads. The country is not tremendously safe, the Internet is not too fast and also varies by location. Baghdad does have co-working spaces with good Internet and the people are friendly. 
  • Favorite locations: Baghdad, Kurdistan. 
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Living in Iraq?

  • Living in Iraq as an expat offers a special experience with a rich culture and history, but also brings challenges such as security risks and varying living conditions. Most expats live in guarded compounds where you can live a comfortable life. Also, the cost of living is not that high and salaries are often good. 
  • The quality of housing and health care can vary, and learning Arabic can be useful for daily interactions.
  • If you speak the language and respect local norms and values, you can have a nice social life. International schools are available for expat families. 
  • It is important to be well prepared and follow local norms and safety advice.
  • Health insurance: the Iraqi health care system leaves much to be desired. So do make sure you have your own well-covered health insurance for emergencies and serious care.
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CHECK COUNTRY INFORMATION  CHECK PREPARING AND INSURANCE  CHECK ACTIVITIES AND STORIES 

 

Iraq Country Bundle: suggestions, stories and tips

Iraq Country Bundle: suggestions, stories and tips

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Content about Iraq on WorldSupporter

Iraq: Updates & Travel

Iraq: Updates & Travel

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Travel in Iraq?

  • Iraq is a largely unsettled country, torn between a glorious past and bloody recent events. While many areas are often unsettled, there are also parts where things are a bit quieter. Be aware that the security situation can change at any time. Despite the great unrest, Iraqis are known to be very hospitable, and there are several impressive archaeological treasures to be found in the country.
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Updates Iraq

  • More about Iraq, updates and contributions, see the link below.

 

 

 

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

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

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How does the healthcare system work in Iraq?

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What is the quality of healthcare in Iraq?

  • Iraq had one of the best developed healthcare systems in the region, but unfortunately it was badly damaged by the war. The reconstruction of good healthcare is slow due to the limited infrastructure and lack of basic necessities in the country, but good care can now be found in the cities.
  • The best facilities can be found in Kurdistan, Baghdad (in private facilities) and in the south where there are some Western private clinics. Because these facilities cannot provide all the care, most foreigners ultimately choose to seek care outside Iraq.
  • There are pharmacies, but medicines are often only in small stock. If you are dependent on medicines, it is wise to bring your own supply (in the original packaging, with a detailed statement from your doctor).
  • There is an emergency number in Iraq - 122, but there are only a few reliable ambulances (some are even used as weapons). Most people take a taxi in an emergency, or in more serious cases a helicopter to a neighboring country. Discuss the options with your insurance company.
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How does the public healthcare system work in Iraq?

  • There is reasonable public healthcare in the cities in particular. Healthcare is much less accessible in the countryside.
  • Unfortunately, wherever you are, there are generally problems with medicines, outdated equipment, power outages and poorly trained staff.
  • Hospitals are also sometimes the target of attacks.
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How does the private healthcare system work in Iraq?

  • Private healthcare is limited in Iraq. Most wealthy Iraqis go abroad or pay extra out of their own pockets for help at public institutions.
  • The private clinics that do exist are often small and mainly focused on specialist care such as surgeries and childbirth.
  • You can find private clinics in the major cities throughout the country. 
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How is the general practitioner arranged in Iraq?

  • Iraq does not have a fixed GP system. People go directly to specialists or hospitals. In private clinics, doctors are more accessible and some speak English.
  • Ask other expats or local colleagues for recommendations.
  • In Erbil and Baghdad, English-speaking doctors are available in private clinics.
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How is the dentist arranged in Iraq?

  • Dentists in Iraq vary widely in quality. In cities such as Baghdad and Erbil, good private clinics can be found.
  • Public health care has limited equipment and materials. Basic treatments are available, but waiting times can be long.
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How is pregnancy care arranged in Iraq?

  • The quality of maternity care varies. Private hospitals offer the best options for expats. Costs can be high.
  • Prenatal care is available, but not always at the level that people are used to in the West. Most foreigners ultimately choose to have a pregnancy and delivery abroad, especially in the case of a high-risk pregnancy.
  • In private clinics, caesarean sections are more popular than natural births.
  • Postnatal care is limited and home visits by midwives are quite rare.
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How safe or unsafe is a trip or stay in Iraq?

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

  • Iraq is a high-risk area due to political instability, terrorist threats and armed conflict. Some regions are safer (such as the Kurdistan Autonomous Region) than others, but it is important to always be careful as a foreigner.
  • High-risk areas include Baghdad, Mosul, Anbar and border areas with Syria. Erbil and Sulaymaniyah are safer.
  • Fortunately, most foreigners staying in Iraq have good security, often consisting of secure accommodation and security teams.
  • Some tips: avoid demonstrations, do not travel alone, use a reliable driver and be discreet about your nationality.

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

  • In addition to all the health risks such as rabies, leishmaniasis (transmitted by sand flies), tuberculosis and unsafe drinking water, there are also risks related to sandstorms and heat.
  • In the summer, it can reach over 50 degrees, which increases your risk of heatstroke and dehydration. Dust storms can cause breathing problems, especially for people who already have respiratory problems.

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

  • Traffic in Iraq is chaotic and dangerous. Traffic rules are often ignored and accidents are common. Always keep your eyes on the road, because even drinking a sip of water can have major consequences! Don't be surprised if someone suddenly crosses the highway in front of your car on foot.
  • Next, make sure you always have water in the car! You don't want to get stuck in traffic in 50 degrees without a good hydration plan.
  • Keep car doors closed and locked.
  • There are many checkpoints in Iraq.
  • Driving yourself is not recommended due to the bad roads and dangerous fellow drivers. As a foreigner, it is therefore wise to hire a driver. Be careful with taxis, these drivers can be really reckless.
  • It can sometimes rain heavily in Iraq, especially after the summer. Streets can then flood.
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What work and travel insurance policies are suitable for short and long stays in Iraq?

  • Is the trip to Iraq 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.

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

  • For visa applicants and applicants for a residence permit, Iraqi health insurance is mandatory. This costs around 300 USD. Regardless of whether this insurance is mandatory for you or not, it is essential to also take out your own international private health insurance to cover the high costs of private care, medical evacuation and repatriation.
  • 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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Iraq: selection of contributions by WorldSupporters - Bundle
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Iraq: Updates & Travel

Iraq: Updates & Travel

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Travel in Iraq?

  • Iraq is a largely unsettled country, torn between a glorious past and bloody recent events. While many areas are often unsettled, there are also parts where things are a bit quieter. Be aware that the security situation can change at any time. Despite the great unrest, Iraqis are known to be very hospitable, and there are several impressive archaeological treasures to be found in the country.
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Updates Iraq

  • More about Iraq, updates and contributions, see the link below.

 

 

 

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Why get specific insurance when going abroad: per activity abroad
Why should you take out specialized travel insurance for a long trip abroad?

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

Specialized travel insurance for a long trip abroad

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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 posibly 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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Travel insurances and insurances for long term abroad - Theme
Why should you take out specific insurance when you go on a trip or vacation?

Why should you take out specific insurance when you go on a trip or vacation?

Travel insurance for city breaks, long-distance trips, and vacations

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What is insurance for traveling abroad?

  • 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, or repatriation costs if you need to be transported back home urgently. In some cases, travel insurance coverage also applies on domestic trips.
  • With annual travel insurance or multi-trip travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance or single-trip 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 abroad.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you plan to do.
  • Travel insurance can continue to provide coverage if your health insurance no longer provides coverage, or if the damage is only reimbursed at cost price of your home country.
  • 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 abroad?

  • That you have insurance that is valid in the country or countries that you are going to visit.
  • 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 travels.

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad and health insurances abroad - Theme
Why should you take out specialized travel insurance for working abroad?

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

Working abroad with the right insurance

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

  • There may be several reasons why you need separate insurance when working abroad.
  • During work, internships, or volunteer work abroad where you receive financial compensation (or, for example, food or housing), your national health insurance coverage may expire. You will then need special insurance to remain insured for illness and accidents.
  • During specific work abroad, additional requirements may apply if your work involves additional risks. Only specific insurance policies offer coverage during this type of work.
  • During your work, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your work, local employers generally offer no or limited insurance that provides insufficient coverage.
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What is important to insure when you are going to work abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work.

Check out more about international insurances

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad and health insurances abroad - Theme
Why should you take out specialized travel insurance for volunteering abroad?

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

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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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad and health insurances abroad - Theme
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!

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad and health insurances abroad - Theme
Why should you take out specialized travel insurance for studying abroad?

Why should you take out specialized travel insurance for studying 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 and health insurances abroad - Theme
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?

Moving abroad with the right insurance

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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.
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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

Check out more about international insurances

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Travel insurances and insurances for long term abroad - Theme
Staying healthy abroad and health insurances abroad - Theme
Why should you take out travel insurance and why through the JoHo Foundation?

Why should you take out travel insurance and why through the 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.

 

Read more about JoHo and JoHo Insurances

Travel insurances and insurances for long term abroad - Theme
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Safety and insurances in Iraq

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

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

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How does the healthcare system work in Iraq?

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What is the quality of healthcare in Iraq?

  • Iraq had one of the best developed healthcare systems in the region, but unfortunately it was badly damaged by the war. The reconstruction of good healthcare is slow due to the limited infrastructure and lack of basic necessities in the country, but good care can now be found in the cities.
  • The best facilities can be found in Kurdistan, Baghdad (in private facilities) and in the south where there are some Western private clinics. Because these facilities cannot provide all the care, most foreigners ultimately choose to seek care outside Iraq.
  • There are pharmacies, but medicines are often only in small stock. If you are dependent on medicines, it is wise to bring your own supply (in the original packaging, with a detailed statement from your doctor).
  • There is an emergency number in Iraq - 122, but there are only a few reliable ambulances (some are even used as weapons). Most people take a taxi in an emergency, or in more serious cases a helicopter to a neighboring country. Discuss the options with your insurance company.
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How does the public healthcare system work in Iraq?

  • There is reasonable public healthcare in the cities in particular. Healthcare is much less accessible in the countryside.
  • Unfortunately, wherever you are, there are generally problems with medicines, outdated equipment, power outages and poorly trained staff.
  • Hospitals are also sometimes the target of attacks.
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How does the private healthcare system work in Iraq?

  • Private healthcare is limited in Iraq. Most wealthy Iraqis go abroad or pay extra out of their own pockets for help at public institutions.
  • The private clinics that do exist are often small and mainly focused on specialist care such as surgeries and childbirth.
  • You can find private clinics in the major cities throughout the country. 
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How is the general practitioner arranged in Iraq?

  • Iraq does not have a fixed GP system. People go directly to specialists or hospitals. In private clinics, doctors are more accessible and some speak English.
  • Ask other expats or local colleagues for recommendations.
  • In Erbil and Baghdad, English-speaking doctors are available in private clinics.
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How is the dentist arranged in Iraq?

  • Dentists in Iraq vary widely in quality. In cities such as Baghdad and Erbil, good private clinics can be found.
  • Public health care has limited equipment and materials. Basic treatments are available, but waiting times can be long.
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How is pregnancy care arranged in Iraq?

  • The quality of maternity care varies. Private hospitals offer the best options for expats. Costs can be high.
  • Prenatal care is available, but not always at the level that people are used to in the West. Most foreigners ultimately choose to have a pregnancy and delivery abroad, especially in the case of a high-risk pregnancy.
  • In private clinics, caesarean sections are more popular than natural births.
  • Postnatal care is limited and home visits by midwives are quite rare.
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How safe or unsafe is a trip or stay in Iraq?

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

  • Iraq is a high-risk area due to political instability, terrorist threats and armed conflict. Some regions are safer (such as the Kurdistan Autonomous Region) than others, but it is important to always be careful as a foreigner.
  • High-risk areas include Baghdad, Mosul, Anbar and border areas with Syria. Erbil and Sulaymaniyah are safer.
  • Fortunately, most foreigners staying in Iraq have good security, often consisting of secure accommodation and security teams.
  • Some tips: avoid demonstrations, do not travel alone, use a reliable driver and be discreet about your nationality.

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

  • In addition to all the health risks such as rabies, leishmaniasis (transmitted by sand flies), tuberculosis and unsafe drinking water, there are also risks related to sandstorms and heat.
  • In the summer, it can reach over 50 degrees, which increases your risk of heatstroke and dehydration. Dust storms can cause breathing problems, especially for people who already have respiratory problems.

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

  • Traffic in Iraq is chaotic and dangerous. Traffic rules are often ignored and accidents are common. Always keep your eyes on the road, because even drinking a sip of water can have major consequences! Don't be surprised if someone suddenly crosses the highway in front of your car on foot.
  • Next, make sure you always have water in the car! You don't want to get stuck in traffic in 50 degrees without a good hydration plan.
  • Keep car doors closed and locked.
  • There are many checkpoints in Iraq.
  • Driving yourself is not recommended due to the bad roads and dangerous fellow drivers. As a foreigner, it is therefore wise to hire a driver. Be careful with taxis, these drivers can be really reckless.
  • It can sometimes rain heavily in Iraq, especially after the summer. Streets can then flood.
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What work and travel insurance policies are suitable for short and long stays in Iraq?

  • Is the trip to Iraq 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.

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

  • For visa applicants and applicants for a residence permit, Iraqi health insurance is mandatory. This costs around 300 USD. Regardless of whether this insurance is mandatory for you or not, it is essential to also take out your own international private health insurance to cover the high costs of private care, medical evacuation and repatriation.
  • 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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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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