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.
We dont include tKidnap and Randsom (K&R) as standard currently however we can arrange K&R cover through our underwriters.
Please follow the process on our Bespoke Quote page, giving as much information as possible.
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 Journalists are administrators of this scheme which is insured by Atlas Life Insurance (PCC) Ltd.
Atlas Life Insurance (PCC) Ltd 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.
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.
We would advise any journalist or media professional travelling to another country to take out a policy. Typical claims can also include situations such as a road traffic accidents or food poisoning, which are not limited to active conflict zones or hostile regions.
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.
You can buy a policy which will provide you with cover 24/7 for the number of weeks purchased, 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 High, Medium and Low.
No, it's a personal accident insurance policy which includes insurance against accidental death plus sickness and accident medical expenses. There is no cover for sickness and accident medical expenses in your home country. All sickness and accident claims are subject to a $250 deductible per claim. The amount of the claim is limited to the sum insured selected when you applied for the policy.
Yes, of course. They are available through this link
Yes, providing you were insured before you headed out on your assignment and want to extend your cover
This policy cover is only applicable during the time the insured people are working for you or the organization who is employing them.
Section One: Accidental death only
Section Two: Accident medical expenses including emergency recovery from the point of the incident to an appropriate care facility, plus repatriation home when required
Sum insured: $100,000 per section
Premium: From $8.25 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.
Accidental Death � 100%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.
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
We have created a side-by-side comparison table to make the differences clear. Take a look here
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.
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.