Why JoHo Insurances?

JoHo Insurances is part of JoHo and focusses mainly on international insurances. We have gained a lot of knowledge and experience about different types of insurances and use this experience to advice people about insurances.

We are part of BONAPA which is the Dutch Au pair organisation, representing a lot of au pair agencies.

We offer all our clients assistance, also after they have arranged the insurance via us.

ISIS Au pair insurance

For whom is the ISIS Au pair Insurance made?

For foreign au pairs that participate in the cultural exchange program and work as an au pair in The Netherlands. The insurance must be applied for by a Dutch host family or au pair agency. 

The au pair should: 

  • Live with the host family 
  • Not be older than 31 years old when the insurance is applied for. 

Apply for the ISIS Au pair insurance

Which benefits are offered to the au pair and host family?

The Au pair insurance is a package of several covers. The following covers are part of the insurance: 

Medical expenses.

Regarding the medical expenses, there are two types of coverage: All-in and Additional. The policy starts with All-in and can be adjusted to Additional once the Basic Health Insurance is arranged.

All-in

When the au pair is coming to The Netherlands, the new policy will start with All-in cover. This means that the au pair is insured for emergency medical expenses during the trip to The Netherlands, during her stay in The Netherlands and during the trip back home, to the country of residence. Should the au pair unexpectedly become sick or have an accident that requires medical treatment, she is insured. That also counts for costs that are part of the deductible of the Dutch Basic Health insurance (basisverzekering), ISIS will reimburse these costs. For emergency dental treatments, a certain maximum amount is insured. Which amount is insured, depends on whether you have Standard or Super coverage. Obvioulsy the Super cover has a higher insured amount.

Additional

After the Basic Health Insurance had become effective, the coverage of this insurance can be altered from All-in to Additional. The Basic Health Insurance provides an elaborate set of benefits and care. Therefore the scope of medical cover offered by the ISIS insurance can be limited. This means that the Additional cover insures:

  • the deductible of the Basic Health Insurance (so choose a high deductible)
  • emergency medical treatments outside The Netherlands when the Basic Health Insurance does not pay these costs.

With Additional the benefits for emergency dental treatments will no longer be part of the insurance.

Once we have registered the Addtional cover, you will pay 25% less premium for the insured period to come. 

How to proceed when you want to change the cover from All-in to Additional, and apply for this right away

 

SOS or Extraordinary costs.

Think about calamities that ask for the return of the au pair to country of residence. For example when her mother or grandpa is seriously ill or deceased. But also when the au pair dies. 

Accidents

This provides once a payment in certain situations. First of all, an accident has to have happened. And secondly, the insurance only pays when the au pair dies or becomes permanently disabled. 

Luggage

The au pair will probably bring some of her belongings to The Netherlands. Maybe she will buy some items while she is in The Netherlands and want this to be insured too. This luggage cover gives her an insurance also during the trip back home. 

Liability

What if the au pair acts in a way that causes damage or cost for someone else? Of course we assume that the damage was caused unintentionally but she could be hold liable. The insurer will insure this risk and pay the person who suffered damage when the au pair is actually liable. 

In the leaflet you will find the benefits. You’ll see that you have the options Au pair and Au pair Plus. We explain the differences elsewhere on this page. 

Important documents

For whom is this insurance made?

For foreign au pairs that participate in the cultural exchange program and work as an au pair in The Netherlands. The insurance must be applied for by a Dutch host family or au pair agency. 

The au pair should: 

  • Live with the host family 
  • Not be older than 31 years old when the insurance is applied for. 

Standard or Super cover? 

You decide how the au pair is insured by making a choice between Standard and Super. The Super cover provides some advantages. The extensive overview of differences is clear in the table of benefits. The most important differences are:

  • there is no deducitble applicable for medical costs when you have Super. Otherwise, a deductible is extracted from the renumation for every event (every illness).
  • the maximum amount that is insured for urgent dental treatment is higher
  • Super gives a higher insured sum for luggage
  • with Super you get coverage for damage caused to the belonging of the host family, whilst the au pair was working.

Do I choose Europe or World cover?

If your au pair lives in a European country, you can choose Europe cover. But when the au pair lives outside of Europe, you should apply for World. The region Europe is not limited to countries of the European Union. In the policy conditions, you'll find a list of countries that are part of the Europe region as the insurance company has determined.

What is not covered? 

  • money (cash and digital), creditcards, bank cards are not covered
  • did you ask for the discount, then dental expenses are not covered.
  • liability in relation to damage caused during drving a motor vehicle. An example to clarify: the au pair drives a car and hits someone else who suffers damage. This should be insured via the insurance for the vehicle. Would the damage be caused by the au pair whilst riding a bycicle and she is liable, then you can file a claim with the insurance company.
  • medical expenses that were foreseen or can be postponed till after return to home country.

FAQ

What does ISIS stand for?

ISIS stands for International Student Insurance Services and it is a brand of de Goudse verzekeringen, the brand is being used since 1952. In that time it was founded to offer insurance for people that had adventurous travel plans like a working holiday or an internship abroad. Meanwhile the number of insurances offered has grown and there are ISIS insurances available for people traveling to The Netherlands as well. For au pairs, ISIS offers the ISIS Au pair insurance. This package contains several modules link medical expeses and liability for au pairs participating in the Dutch au pair program.

How long can the insured period be?

Af first the insurance can be issued for a period of 12 months. Afterwards the insurance can be prolongued with another 12 months, maximum 24 months in total.

Our au pair will leave and go to another host family, how do we arrange the insurance?

The new host family has the possibilty to apply for a new au pair insurance. It is not possible to alter the policy holder of the insurance. If you do not expect an other au pair, then you can terminate the current insurance and the new host family needs to arrange an insurance themselve. More information about terminating the au pair insurance.

Our current au pair will be leavind, we expect a new au pair. Can we insure the new au pair on the current insurance?

Yes this is possible. You can send the request to alter the insured au pair. We will ask you for a kind of proof that we current au pair is leaving or has left. We also need personal details from the new au pair. Please read more information about changing the insured au pair.

Do we get a insurance card for this insurance?

No, there are no cards available for this insurance. The policy certificate that we send you by email is the proof of insurance that can also be used fot the IND.

Can I pay montly?

Neo, unfortuntely this is not possible. You will have to pay the premium for the period that you issue the insurance. So you can pay monthly but this would mean you would have to extend the insurance monthly as well. It is your own responsibiliy to extend the insurance on time.

The GP can not find the au pair in the system. Is something wrong with the insurance?

No, this does not mean there is something wrong with the insurance. The ISIS Au pair insurance is a travel insurance made for foreign au pairs in The Netherlands. The GP and other care providers can only find people who have a Dutch Basic Health Insurance in the national system. Nee, dit is geen indicatie dat er iets mis is met de verzekering. So it is completely normal that the ISIS Au pair insurance can not be traced in the national system.

Arrange now:

Apply for the ISIS Au pair insuranceApply for the Au pair Basic Health Insurance

Contact

JoHo Insurances

Main Office

Paviljoensgracht 18
2512 BP The Hague
The Netherlands
Phone: +31 88 3214563 
E-mail: aupair@joho.org

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