INSURANCE FOR TRAVELLERS IN DANGEROUS AREAS OR WAR ZONES
In many parts of the world, armed conflicts are raging.
These conflicts range from wars between states to civil wars and rebellions. There are also areas of chronic instability or insecurity generally under the domination or the influence of terrorist organizations, political guerrillas, criminal organizations (drug cartels…) and sometimes a combination of these.
The weakness of local governments, corruption, endemic poverty and a large number of easily available arms make these areas really dangerous for travellers even the most seasoned ones.
Foreign ministries of western countries strongly advise to avoid such places. However, these zones also have industrial or commercial activities forcing experts, scientists, expatriates, pilots to travel and stay there despite the threats.
Furthermore, the assistance to the local populations requires the presence of NGOs, sanitary workers, journalists and often religious congregations.
As a rule, travel in unsafe zones is generally excluded from the coverage of standard policies commonly available on the market. Many insurers exclude totally some countries for death and disability benefits. The same applies to travel assistance and repatriation policies which are of no effect in dangerous areas.
To make up for the above, Pasion has developed a network of specialised providers (insurance or assistance companies) able to deliver a satisfactory coverage, even in the most dangerous areas. We can provide health policies, death & disability benefits as well as some assistance / repatriation solutions. In critical areas, we advise to also subscribe kidnap and ransom policies and bail/legal security advance coverage.
All our solutions are tailor made and adapted to both the occupation of the insured and the area. Lastly, it is important to remember that these policies are not designed for tourists or leisure activities. We do not wish to provide any insurance policy that may encourage or even allow unnecessary risk taking or exposure.