No, it’s a personal accident insurance policy. Depending on the specific policy you select, it includes insurance against sickness and accident medical expenses outside your home country in all the countries in the zone(s) you have selected (automatically including lower-risk zones than the one(s) you selected) subject to a $250 deductible claim. 

The amount of the benefit available is limited to the amount of insurance you selected when you applied.

We have a range of policies suitable for people travelling to and working anywhere in Afghanistan including Kabul, Kandahar, Mazar-i-Sharif, Jalalabad, Kunduz, Balkh and Herat. Please contact us for any further information you need.

What insurance does my policy provide for me?
Depending on the specific policy you take out, you can be covered for some or all of the following:

1) Accidental death.
2) Permanent disablement.
3) Medical expenses – due to accidents or sickness. All medical expense claims have a $250 deductible per claim.
4) Medical evacuation from the point of an incident and repatriation to your home country when necessary.

We offer full global coverage. Unlike most insurers, we don’t exclude any regions worldwide — as we understand that the nature of overseas work often requires travel to conflict areas, war zones and other hazardous areas.

The decision to repatriate you is decided by the doctor treating you in discussion with our emergency claims partner.

For people heading out on an assignment or project we require the policy to be taken out before they arrive in the country where they are working. These clients can take out a new policy to extend the time they are insured for if their original policy term was not long enough