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 Syria. Several regions have been prominent in the news due to ongoing conflicts and are considered dangerous for work.

1. Damascus: The capital city has experienced significant conflict, particularly during the recent rebel offensive that led to the toppling of President Bashar al-Assad.
2. Aleppo: Once Syria’s largest city, Aleppo has been a major battleground with extensive destruction from prolonged fighting.
3. Idlib: Located in northwestern Syria, Idlib has been a stronghold for rebel groups and has witnessed heavy bombardment and clashes.
4. Homs: This central city has faced severe fighting and sieges, leading to significant infrastructural damage and humanitarian concerns.
5. Raqqa: Formerly the de facto capital of ISIS, Raqqa has been the site of intense battles and remains hazardous due to unexploded ordnance.
6. Deir ez-Zor: Situated in eastern Syria, this area has seen conflicts involving various factions, including ISIS, making it perilous for civilians and workers.
7. Daraa: Located in southern Syria, Daraa has experienced recent unrest and clashes, contributing to its instability.
8. Latakia: A coastal city that has faced military actions, including airstrikes targeting military sites, adding to its volatility.
9. Qamishli: In northeastern Syria, Qamishli has been affected by regional tensions and conflicts involving various armed groups.
10. Manbij: This northern city has been a focal point of military operations, particularly involving Turkish-backed forces, leading to security concerns.
11. Palmyra: Known for its ancient ruins, Palmyra has changed hands multiple times during the conflict, resulting in destruction and danger from landmines.
12. Hasakah: In the northeastern region, Hasakah has witnessed clashes between various factions, contributing to its precarious security situation.

These areas have been highlighted in recent news reports due to ongoing conflicts and security challenges, making them particularly hazardous for work and travel and we provide coverage in all these areas. 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