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
The maximum sum insured depends on the type of cover you choose and your income level.
Insurance for individuals:
Minimum $100,000, maximum $1 million limited by a multiple of 10 of the annual income of the insured person
Insurance for locally employed workers:
$100,000 to $500,000 limited by a multiple of 4 of the annual income of the insured person
Insurance for everyone:
Minimum $100,000, maximum $400,000 limited by a multiple of 4 of the annual income of the insured person
We’ll work with you to agree the right level of protection—balancing risk, responsibility, and affordability.
If you’re unsure what level is appropriate, we’re happy to advise.
Insurance premiums are based on the statistics and information our underwriters are working with.If a country is moved into a different Zone in the period of a policy the original premium and cover remains the same as when the policy was purchased.
Yes, we can arrange K&R cover through our underwriters. Please follow the process on our Bespoke Quote page, giving as much information as possible.
Please note that arranging Kidnap and Ransom cover can be complex and can take some time to arrange.
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 additional weeks 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.
This scheme is 100% reinsured by Lloyds of London.
Yes, our insurance policies are available worldwide and we have NO exceptions for zones or regions. If youre living on Earth we can provide cover. If you are unsure about anything please email: 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
At the end of the period you selected your insurance will end.
You can buy a new policy at any time including if you're on assignment.
Policies are purchased on a weekly basis, from one week 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 weeks 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—insurance isn’t just for conflict zones. Even in peaceful countries, unexpected events can still happen.
We regularly see claims for:
– Road traffic accidents
– Sudden illness or infection
– Injuries while working in the field
These risks aren’t limited to high-risk regions—they can occur anywhere, especially when you’re far from home, working under pressure, or without access to familiar medical support.
Medical care abroad can be expensive, and evacuation isn’t always simple. Our policies provide proper backup—even in places that seem low risk.
If you’re heading overseas for humanitarian work, we strongly recommend having insurance in place—just in case.
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:
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, 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 policy terms and conditions email to you when you bought your policy. You can find a PDF copy of all our documents here.
(1) Accidental death
(2) Permanent disablement
(3) Medical expenses from an accident or a sickness
(4) Emergency medical evacuation from the point of an incident to an appropriate care facility and repatriation home when necessary and when possible.
All medical expenses claims have a $250 deductible for each claim.
A full copy of the terms and conditions can be found here.
Once you purchase a policy, you’re covered 24/7 for the full period you’ve selected—whether you’re working, travelling, or at rest.
Your cover applies to the country zone you’ve selected at the time of purchase, and automatically includes all lower-risk zones as well.
For example:
If you choose cover for an Extreme-risk zone, you’re also automatically covered in all our High, Medium, and Low-risk countries—at no extra cost.
This makes it easy to move between locations during your deployment without needing to update or reissue your policy.
Yes. Humanitarian workers who are citizens of the United States are eligible for our insurance policies—just like staff, volunteers, and contractors from any other country.
We provide global cover for NGO personnel regardless of nationality, as long as the work falls within the scope of our policies.
No. This is a personal accident insurance policy, not a full health insurance plan.
It provides cover for:
– Accidental death
– Permanent disability
– Medical expenses resulting from accidents or sudden illness while working abroad
It does not cover routine healthcare or treatment in your home country.
All medical claims are subject to a US $250 deductible per claim, and the total amount paid out is limited to the sum insured you selected when you applied.
Our individual insurance cover is specifically tailored to meet the needs of individuals who will be working outside their home country.
We offer full cover in conflict areas with no excluded countries or regions worldwide:
– Accidental death and disablement only in the insured person’s home country extending to include sickness and accident medical expenses in all countries in the zone selected and all lower zones.
– Emergency medical evacuation from the point of an incident to an appropriate care facility and repatriation home when necessary
– We also provide “follow you home” cover for up to three months after returning to your home country (subject to policy conditions).
Yes, of course. They are available through this link
If a covered individual dies or is seriously injured in an accident, the policy pays a lump sum—either to them or to their nominated beneficiary.
Lesser injuries are paid at lower percentages, based on a fixed scale set out in the policy.
If someone suffers multiple injuries from the same accident, the payments are added together—but will not exceed the total insured amount.
You can download the full Terms and Conditions from the ‘Downloads’ section on our Group site.
Yes, providing you were insured before you headed out on your assignment and want to extend your cover
Who it’s for: NGO staff, humanitarian workers, or independent contractors working overseas.
Coverage includes:
Options:
Cost guide:
From US $29.70 per week + US $10 policy fee
Deductible: US $250 per claim
Who it’s for: Humanitarian personnel working locally in their own country—whether directly for an NGO, or on a freelance or contract basis.
Coverage includes:
Options:
Cost guide:
From US $11 per day + US $10 policy fee
No deductible
Sum insured: US $100k to US $500k, scaled based on income
Who it’s for: Logistics, Operations or Programme Managers responsible for insuring NGO or humanitarian teams on behalf of their organisation. This cover is ideal for locally employed staff such as drivers, translators, health workers, and community teams.
Coverage includes:
– Accidental death and disability
– Medical costs due to accidents
– Emergency evacuation and repatriation if medically required
Options:
– Daily cover available, up to 365 days
Cost guide:
Around US $11 per person per day + US $10 policy fee
Deductible: US $250 per accident claim
Sum insured: US $100k–US $500k, based on income
You can find a full comparison of our three policies here.
Specialist personal accident insurance for people working outside their country of residence from just 3 days up to 52 weeks.
The policy covers:
Section 1
- Accidental death
- Permanent disability by an accident
Section 2
- Sickness and accident medical expenses.
- Medical emergency evacuation for the point of an incident where possible to an appropriate care facility including repatriation to country of residence when required
- Follow you home cover*
Sum insured: $100,000 to $1 Million
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
Available globally including all high risk locations and conflict zones. Buy online for immediate cover. *Subject to individual policy terms and conditions
Our policies are designed for people employed by an NGO, Humanitarian or Charitable Agency either as individuals or as part of a team.
To see a line by line comparison of our insurance products checkout this page on our Group site.
Yes, of course. All documents are available on our Group Website through this link
All our policies include cover for accidental death. If a covered individual dies due to an accident during the policy period, we pay 100% of the sum insured as a lump sum to their nominated beneficiary or estate.
This includes incidents that occur in conflict zones, areas of unrest, or while travelling in a military vehicle as a passenger—with no additional premium required.
It’s our way of ensuring humanitarian personnel and local staff receive the same level of protection, no matter where their work takes them.
Yes. If you’re an organisation insuring humanitarian workers or local teams, our group cover allows you to insure staff on a daily basis—only for the days they are working.
It’s free to register, and we’re happy to help you get set up. The process is quick, the admin is simple, and the pricing is transparent.
Daily cover starts from US $11.00 per person, plus a one-off policy fee of US $10.00.
All other policies (such as individual cover) require a minimum of 3 days.
Its 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
Specialist personal accident insurance for people specifically working within their country of residence from 3 days up to 52 weeks.
These may often be Fixers, Drivers, Transaltors or local technicla staff
This is known as our 'Insurance For Everyone policy' and available globally including all high risk locations and conflict zones.
Section One: Accidental death only
Section Two: - Permanent disability by an accident
Sum insured: $100,000 to $500,000 per section
Premium: From $11 per person per day
Deductible: Section two, $250 each and every claim
We include cover in conflict / war zones including travelling in a military vehicle as a passenger without additional premium.
Our organisational insurance cover is designed to meet the duty of care responsibility for organisations with groups of staff visiting or working anywhere worldwide.
This cover is designed for NGOs and humanitarian organisations that need to insure locally employed staff—including community health workers, drivers, translators, coordinators, and logistics teams—working in their own country.
These individuals often know the local context best and are essential to delivering frontline support, especially in high-risk or remote areas.
The policy is available for any humanitarian worker based in their country of residence. It’s particularly valuable for international NGOs that want to ensure proper protection for their local teams—without having to run everything through a UK or global office.
It includes access to emergency support, medical care, and evacuation assistance, so local staff receive the same level of care as international personnel.
Yes you can download the full terms and conditions here
You will aslo find all our owther downloads and FAQ's,
We have created a side-by-side comparison table to make the differences clear. Take a look here
This policy is designed for NGO staff, humanitarian workers, and contractors heading out on assignment—particularly in regions where their existing insurance offers limited or no cover.
It can be purchased by the individual or by an organisation acting on their behalf.
When you’re operating in high-risk or remote environments, knowing support is in place makes all the difference. Whether you’re in the Central African Republic or responding to crises across Africa, Asia, or the Middle East, our global partnership with Northcott Global Solutions (NGS) ensures rapid, expert assistance when it’s needed most.
Starting with Insurance For NGO workers we quickly identified a need for comprehensive insurance in other high-risk roles production, photography, videography and a wider range of NGO and humanitarian sectors roles as well as the demand for organisations and contractors to be able to arrange cover for their local teams -- including NGO and humanitarian sectors 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.
Trusted by leading humanitarian organisations worldwide
We work with NGOs, field teams, and global partners to provide reliable, flexible insurance cover for humanitarian workers operating in complex and high-risk environments.
If you’re a membership organisation, NGO, or network supporting humanitarian personnel, and you’re looking to arrange insurance cover for your members or staff, we’d be happy to help.