Specialist insurance anywhere in the world with 24/7 claims support from our international claims experts, NGS.
Multi-person insurance for agencies and organisations providing global cover for their employees. Free registration
If you need a more tailored policy we'll build you a custom quote.
We provide insurance for anyone working in the NGO, Charity and Humanitarian sectors including those who cant find cover elsewhere. As part of Insurance For Group Ltd, we offer specialist policies designed to provide you and the people you work alongside with specialist cover tailored to the risks specific to your role.
Depending on the policy, we can cover Accidental Death and Disablement, Sickness and Accident Medical Expenses, and Medical Evacuation and Repatriation with 24/7 claims support from our international claims experts,NGS.
Unlike most insurance policies our cover includes war declared or not, rebellion, civil war, conflict zones and terrorism - even those places your existing insurer cannot offer..
Unlike other non-specialist insurers, we work hard to keep our list of exceptions to a minimum -- offering humanitarian personnel and agencies the flexible cover they need to carry out their work without restriction - even in areas other insurers refuse cover. .
We Cover
WE COVER
We go the extra mile to provide NGO staff and humanitarian workers and humanitarian personnel with comprehensive insurance coverage in areas affected by war, conflict, or civil unrest as long as you are not directly involved in or participating in any conflict.
WE COVER
WE COVER
Depending on the policy you select, we offer robust options for medical evacuation and repatriation. In the face of emergencies, rest assured that you'll have access to timely medical evacuation to an appropriate care facility and specialist travel arrangements to return to your home country if necessary.
WE COVER
WE COVER
We provide insurance cover for NGO staff and humanitarian workers and humanitarian personnel, as well as the local people they employ, in all countries and territories, with no exclusions. This means you can work in and report from high-risk regions without worrying about the limitations of your insurance coverage.
WE COVER
WE COVER
Depending on the policy you choose, we can provide cover for NGO staff and humanitarian workers and humanitarian personnel embedded with or traveling alongside military personnel in non-combatant roles, as long as you are not participating in conflict or other military operations during the time youre embedded.
WE COVER
WE COVER
Depending on the policy you choose, we can cover accidental death and disablement. Whether you're covering conflicts, natural disasters, or working in other challenging environments, our insurance plans provide a safety net, ensuring that you and your dependents are taken care of.
WE COVER
WE COVER
Select the policy that best suits your needs and enjoy coverage for sickness and accidental injuries. Your health and well-being are of utmost importance, and our insurance plans are designed to provide the support and peace of mind you need while on assignment. Our Assistance Partner Northcott Global Solutions Ltd (NGS) can be contacted at any time.
Operating worldwide including in conflict zones, NGO staff and humanitarian workers, humanitarian personnel and the local teams they employ face immense risks and challenges. Our policies support their efforts and enable them to carry out their vital work with peace of mind.
Our comprehensive and affordable insurance goes beyond simply providing cover for NGO staff and humanitarian workers and humanitarian personnel working abroad, also meeting NGO and humanitarian sectors organisations duty-of-care responsibilities for the people they are employing locally.
The only insurance designed by NGO staff and humanitarian workers, for NGO staff and humanitarian workers.
We work with NGO staff and humanitarian workers, humanitarian personnel and industry organisations across the globe to ensure they, and the overseas workers to whom they have a duty of care, get the comprehensive and reliable insurance cover they need so they can focus on their crucial work.
If you can't find the information you're looking for here, please use the contact form below to ask one of our team for assistance.
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
Yes, subject to the pre existing conditions clause.
You can find all our Terms and conditions and other documents in our download area of our Group Site
Yes, as long as you are not actively participating in war or terrorism.
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.
Once you have bought a policy you cannot make any changes. We do not offer any return of premiums for cancelled policies
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 $400,000 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.
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.
All our policies include cover for accidental death. If a covered individual dies due to an accident during the policy period, we pay 100% of the sum insured as a lump sum to their nominated beneficiary or estate.
This includes incidents that occur in conflict zones, areas of unrest, or while travelling in a military vehicle as a passenger—with no additional premium required.
It’s our way of ensuring humanitarian personnel and local staff receive the same level of protection, no matter where their work takes them.
Who it’s for: NGO staff, humanitarian workers, or independent contractors working overseas.
Coverage includes:
Options:
Cost guide:
From US $29.70 per week + US $10 policy fee
Deductible: US $250 per claim
Who it’s for: Humanitarian personnel working locally in their own country—whether directly for an NGO, or on a freelance or contract basis.
Coverage includes:
Options:
Cost guide:
From US $11 per day + US $10 policy fee
No deductible
Sum insured: US $100k to US $500k, scaled based on income
Who it’s for: Logistics, Operations or Programme Managers responsible for insuring NGO or humanitarian teams on behalf of their organisation. This cover is ideal for locally employed staff such as drivers, translators, health workers, and community teams.
Coverage includes:
– Accidental death and disability
– Medical costs due to accidents
– Emergency evacuation and repatriation if medically required
Options:
– Daily cover available, up to 365 days
Cost guide:
Around US $11 per person per day + US $10 policy fee
Deductible: US $250 per accident claim
Sum insured: US $100k–US $500k, based on income
You can find a full comparison of our three policies here.
We are a global provider of insurance for NGO staff and Humanitarian workers and Charity personnel. If you need bespoke cover for yourself, your team or your assets please get in touch.