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 $500,000 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.
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.
We aim to provide cover globally with as few restrictions zones or regions as possible, you will likley find that we cover more places more of the time than your existing insurer.
Our only limitation is where we are restricted by sanctions.
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 cConditions 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 available from 3 days up to 52 weeks.
Once you have bought a policy it cannot be changed or cancelled.
You can buy a new policy through our website or App 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 certificate of insurance and policy terms and conditions emailed to you when you bought your policy.
To compare the benefits offered by each of our policies please refer to the comparrison chart on this page.
Every policy includes accidental death and permanent disability by an accident.
Additional cover is provided depending on the policy purchased, this is detailed on the certificate of insurance with futhuer information in the policy terms and conditions.
You can buy a policy which will provide you with cover 24/7 for the number of days/ 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.
Yes, journalists who are citizens of the United States are eligible for our insurance policies as are journalists and members of the media from every country worldwide.
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.
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 individual insurance cover is specifically tailored to meet the needs of individuals who will be working away from their home country
– Accidental death– Permanent disability by an accident
– Sickness and accident medical expenses in the insured areas.
– 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
This policy is designed for journalists and any member of the media heading out on an assignment with reduced cover in their own country.
A policy can be bought by an individual or by a media organisation who wants to insure an individual they have engaged in some way.
When you’re operating in high-risk or hostile environments, knowing help is on hand makes all the difference. From the Central African Republic to conflict zones across Africa, Asia and the Middle East, our global partnership with Northcott Global Solutions (NGS) ensures rapid, reliable assistance when it matters most.
If you die or are seriously injured in an accident, the policy pays a lump sum to you or your beneficiaries.
The amount depends on the injury and what’s detailed on your Certificate of Insurance.
To see the full Terms and Conditions relating to this policy see the Downloads on our Group site
Yes, providing you were insured before you headed out on your assignment and want to extend your cover
This policy is designed for people employed by a business or members of a media team.
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.
This cover is designed for media organisations and freelancers who need to insure locally employed journalists, fixers, drivers, translators, and production staff working in their own country. These are often the people who know the ground best and play a crucial role in news gathering, especially in high-risk or remote locations.
The policy is available for any media worker based in their country of residence. It’s especially useful for international outlets that want to provide proper protection for their local teams, without needing to run everything through a UK or international base.
It provides access to emergency support, medical care, and crisis response—ensuring that local staff are treated with the same duty of care as foreign correspondents.
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.