Yes, please follow the guidance for emergency or non-emergency claims here
You can also download a PDF instruction sheet with details on how to claim on our Group website
Across all our policies, the maximum sum insured is typically can be up to US 1 million per person.
This applies to:
– Accidental death
– Permanent disability
– Emergency medical expenses and evacuation (where included)
The exact amount will depend on:
– The policy type (individual, group, or local worker cover)
– The role and income level of the insured person
– Any specific limits selected during application
We’ll help you choose the right level of cover based on your needs, risk profile, and duty of care obligations.
Each country is assigned to a risk Zone based on independent global risk assessments.
We look at factors such as:
– Political stability and civil unrest
– Conflict or war
– Security threats, terrorism, or kidnapping risks
– Quality of local healthcare and infrastructure
– Natural disaster exposure
We use trusted, up-to-date sources including security intelligence providers, government travel advisories, and global incident tracking.
When you apply for cover, we’ll tell you which Zone applies to your destination. If you’re travelling to multiple countries, we’ll base your cover on the highest-risk Zone you’ll enter.
Kidnap and Ransom (K&R) insurance, but please note it is not included in our standard personal accident or medical policies.
K&R cover is available as a separate policy and typically includes:
– Ransom payment reimbursement
– Crisis response and negotiation support
– Legal liability and expenses
– Support for extortion, detention, and hijack scenarios
Arranging K&R cover can be complex and may take some time, especially if travel is imminent or high-risk countries are involved.
Once you have bought a policy you cannot make any changes to it.
You can buy a new policy even if you are on assignment if you need to extend your cover or to top up the cover or if you are going to a country in a Zone that you are not currently covered in.
No, We only cover you not your personal effects.
If you're looking for bespoke cover for a large team or project then please feel free to drop us a line and we will be pleased to recommend a pragmatic and cost effective solution.
Insurance for Ltd are administrators of specialist insurance schemes insured by Atlas Life Insurance (PCC) Ltd which is licensed and regulated by the Seychelles Financial Services Authority.
Atlas Life Insurance (PCC) Ltd receives 100% reinsurance support for this scheme from Beazley, a member of the Lloyds of London market.
Yes, our insurance policies are available worldwide. If you are unsure about anything please email is at info@insuranceforgroup.com .
Yes, subject to the pre existing conditions clause. You can find all our Terms and conditions and other documents in our download area of our Group Site
Once you have bought a policy you cannot make any changes. We do not offer any return of premiums for cancelled policies
Your insurance policy ends at midnight on the final day of cover shown on your Certificate of Insurance.
When your cover ends:
– You’re no longer insured for any new incidents, illnesses, or accidents
– Ongoing claims from the covered period can still be processed, provided they relate to events that occurred during the insured dates
– If you have a valid claim in progress, you must submit it as soon as possible, ideally within 30 days
If you need continued cover, you’ll need to arrange a new policy before the current one expires. Extensions aren’t automatic, but we can help you renew or adjust your cover to match your next assignment or trip.
Policies are purchased on a weekly basis, from three days right up to one year.
Once you have bought a policy it cannot be changed or cancelled.
You can buy a new policy through our website for additional periods or in a higher rated zone at any time, even whilst on assignment.
Yes. Our policies do cover pre-existing conditions but only those for which you have not received treatment, medication or advice on for a period of 12 months before you take out the policy.
Yes. You don’t have to be heading to a conflict zone to need proper insurance.
Even in peaceful or low-risk countries, things can still go wrong—like:
– Road traffic accidents
– Sudden illness or infection
– Work-related injuries or accidents in the field
Medical treatment abroad can be expensive, and arranging evacuation or repatriation is often complex without proper support.
This insurance gives you 24/7 protection wherever you are—not just in high-risk regions—so you can focus on your work knowing backup is in place if you need it.
The policy cover is available for accidents which occur while participating in normal and reasonable sports and activities.
Please contact us if you want to check if the sport or activity you are considering is covered.
Further details are available in the policy terms and conditions:
Yes, as long as you are not actively participating in war or terrorism.
Full details of the medical expenses covered by your insurance policy are set out in the certificate of insurance emailed to you when you bought your policy. You can find a PDF copy of all our documents here.
The cover proviuded is detailed on the certificate of Insurance issued once a policy has been purchased
You can buy a policy which will provide you with cover 24/7 for the period selected, including while at work or at leisure.
The insurance cover is restricted to countries within the Zone you selected and lower risk zones. Once you have bought cover in a Zone you are automatically covered in all the other countries in that Zone and lower risk Zones without additional cost. For example, if you selected the Extreme zone then you will be covered in all the countries in that Zone PLUS in all the lower risk zones being Severe, High, Medium and Low.
Yes. U.S. citizens are fully eligible for our insurance policies.
We provide cover to individuals, staff, and contractors from any country, including the United States—whether you’re travelling for work, volunteering, or deployed by an organisation.
Our only limitations are those where where we are complying with restrictions due to sanctions.
If you’re a U.S. citizen working overseas, our policies can offer protection for:
– Accidental death or injury
– Emergency medical expenses
– Evacuation and repatriation (if included in your policy)
No, it's a personal accident insurance policy
Every policy provides cover for accidental death and permanent disablement by an accident.
Additional cover for sickness and accidental medical expenses cover is available depending on the policy suitability.
The cover is detailed on the certificate of insurance issued when a policy is issued. Full policy cover is described in the policy terms and conditions and can be downloaded here.
This policy is purchased online with a minimum term of 3 days and a maximum of 52 weeks
This policy is designed for individuals working overseas, especially in higher-risk or remote locations.
It includes:
Section One: Accidental Death and Permanent Disability
– A lump sum payout due to accidental death or are permanently disabled due to an accident while covered.
Section Two: Sickness and Accident Medical Expenses
– Covers treatment if you fall ill or are injured whilst outside your country of residence
– Includes evacuation from the incident site to an appropriate care facility
– Repatriation home if medically necessary
Follow-You-Home Cover
– Continued treatment for up to 3 months after returning home, if part of a valid claim
Sum Insured: Up to US $100,000 up to $1 MILLION
Premium: From US $29.70 per week + a US $10 policy fee
Deductible: US $250 per claim (medical expenses only)
This policy is for any individual travelling outside their country of residence for work, research, assignments, or humanitarian missions—especially where risk, remoteness, or limited medical infrastructure are factors.
It’s ideal for:
– Freelancers and consultants
– Independent humanitarian workers
– Researchers and academics
– Contractors and field-based professionals
– Volunteers and support staff
If you’re heading abroad and need flexible, short-term cover that includes medical emergencies, accidents, evacuation, and repatriation, this policy is built to give you peace of mind wherever you’re working.
Yes, of course. They are available through this link
The amount received for a sucessful disabvlement claim is detailed in this document
No. You are covered for sickness and repatriation from all the countries in your chosen zone except your home country.
The decision to repatriate you is decided by the doctor treating you in discussion with our insurer's emergency claims partner Northcott Global Solutions Ltd (NGS)
Yes, providing you were insured before you headed out on your assignment and want to extend your cover
We have created a side-by-side comparison table for both policies, it's available through this link
Section 1
Accidental death and Permanent disability by an accident
Section 2
Medical expenses as a result of an accident
Medical emergency evacuation from the point of an incident where possible to an appropriate care facility including repatriation home when required.
Sum insured: $100,000 to $500,000 per person
Premium: Based on where cover is required and term of policy
Policy term: From three days to 52 weeks
Deductible: Section 2 $250 each and every claim
This policy is for any organisation responsible for people working in high-risk, remote, or international environments.
It’s suitable for:
– NGOs and humanitarian organisations
– Media companies and production houses
– Consultancy firms and engineering contractors
– Academic institutions, research bodies, and think tanks
– Any employer sending staff or contractors overseas
Whether you’re insuring international staff, local teams, or short-term contractors, this policy helps you meet your duty of care—providing essential cover for accidental death, injury, emergency medical treatment, and evacuation. It’s especially valuable for organisations needing short-term, flexible cover without the burden of long annual policies or complex admin.
Yes, of course. All documents are available on our Group Website through this link
Accidental Death 100% of the sum insured selecteed
We include cover in conflict / war zones including travelling in a military vehicle as a passenger without additional premium.
Yes. Employees can be covered by our policies during the time they work for their employer.
It's free to register with us. Our policies are inexpensive, highly appropriate to members of the media and have simple admin you can find more details on this page
This policy provides essential protection for locally employed staff, contractors, or freelancers working within their country of residence.
The cover includes:
Section One: Accidental Death and Permanent Disability
– A lump sum payment if a worker dies or is permanently disabled due to an accident while working under your instruction.
– Cover applies whether the incident occurs in the office, in the field, or during work-related travel.
Sum Insured: Typically up to US $500,000, based on income and role
Premium: From US $11.00 per person per day + one-off policy fee
Deductible: No deductible for this policy type
This policy ensures that your locally based staff receive the same level of duty of care as international workers—without needing to leave their home country. It’s quick to arrange, cost-effective, and trusted by employers around the world.
This policy is for locally employed staff, contractors, or freelancers working in their own country—often in roles that involve operational, logistical, community-based, or fieldwork responsibilities.
It’s suitable for:
– NGO staff based in-country
– Local drivers, translators, and support teams
– Media fixers and production crew
– Security, logistics, or admin staff
– Community health workers and volunteers
Whether they’re working in cities, remote regions, or unstable environments, this policy helps organisations provide vital protection against accidental death or permanent disability—and meet their duty of care.
Yes you can download the full terms and conditions here
We have created a side-by-side comparison table to make the differences clear. Take a look here
Starting with Insurance For Journalists — we quickly identified a need for comprehensive insurance in other high-risk roles — production, photography, videography and a wider range of media roles — as well as the demand for organisations and contractors to be able to arrange cover for their local teams -- including media support, drivers, translators, fixers and guides -- as part of their duty of care.
Each month Insurance For Group protects a diverse range of individuals and organisations carrying out vital work in some of the most challenging locations in the world — providing more than US$140 million in cover across all policies.
Working with ACOS Alliance, PayDesk, the IPI and many other media organisations we are a global provider of insurance for journalists and media professionals. If you are a membership organisation looking for insurance cover for your members please get in touch.