Who Needs Personal Accident / Travel Insurance?

Anyone who wishes to protect themselves and/or employees from Personal Injury or Death caused by accident or who needs to provide Travel Package cover.

Our Personal Accident and Travel Insurance packages provide cover for those working in Iraq including travelling to and from the country or can be extended to include cover in the wider region or globally including High Risk Territories.
The following listed Territories are regarded as ‘High-Risk Territories’
Syria, Libya, Yemen, Afghanistan, Iraq, Somalia, South Sudan, Sudan, Ukraine, Pakistan, Lebanon, Nigeria, Egypt, Turkey, Burundi, DRC, Mali, Central African Republic, Ethiopia, Colombia, Chad, Cameroon, Israel/PA, Kenya, Algeria, Thailand, Niger, Russia.
NOTE: Even though a territory is shown on this list, your country of residence may ban travel to it for its citizens or it falls under Sanctioned Territory legislation (EU, UN, USA etc) . As this list is subject to change at short or no notice it is important to check with us before purchasing cover using contact us

We know what it is like for individuals or groups travelling unsupported to feel isolated when something happens. Be it an emergency medical issue, accident, political unrest or a terrorist attack. In today’s geopolitical climate we know how this could occur anywhere.

Our Personal Accident and global travel insurance covers provide the usual coverage seen under most standard policies, but as we specialise in insurance for those that work in or travel to high risk areas, as well as the usual travel destinations, we can offer you the most comprehensive and secure specialist packages for your total peace of mind anywhere you are planning to travel.

We cover you first and foremost for those items that concern your Safety and Health and to help you as an employer to fulfil your duty of care to protect employees at work whilst abroad and on the move, whilst enabling better risk mitigation.

Issues that you may, if unlucky see once in a lifetime, have for us been a daily fact of life and our pragmatic and innovative response to major issues and crises arising is part of our normal days’ work. This approach combined with the specialist third-party advisers we work with gives us a unique Personal Accident and Travel Insurance solutions protecting you and your employees first and foremost.

What we can offer

Our offering consists of standard package policies which have been designed with Iraq and other high risk territories in mind or a more bespoke offering for those that need specific tailored coverage.

We can provide cover for small domestic businesses or an individual traveller with basic needs up to multinational businesses requiring flexible and tailored programmes in multiple territories. Our wide range of customers in numerous trading sectors demonstrates our broad appetite for risk with in-house claims handling and the ability to react and adapt to the changing risk landscape in countries such as Iraq and its neighbours.

Please click on either one of the two headings below for a brief overview of each product line:

Is a type of cover that financially protects you and /or your employees if you are injured, disabled or killed due to an accident.  The level of benefit can be a fixed sum or a multiple of salary and can have a range of extensions covered which are described under Key Facts.

Cover can be arranged with the beneficiary being the individual Insured Member or employee following the death or serious injury of an employee.

The cover we can provide within Iraq is wide and can include Death and Personal Injury caused by a terrorist act or war (subject to specific exclusions).

Is a type of insurance that covers the costs and losses associated with traveling. It is useful protection for those traveling domestically or abroad and can offer a wide range of benefits under either a standard package or for those needing specific coverage a bespoke policy offering.

For the levels of coverage we can provide please click on Key Facts then choose ‘Limits Available’ ‘Travel Insurance’.

Key Facts

Please check out the key facts details in order to find the information and technical details you need to know about your insurance.

General FAQs

The Financial Services Sector has strict rules in respect of Sanctions and Money laundering. By supplying us with the information we have requested we are able to run sanctions checks for sanctioned companies and individuals. We must do this to comply with Iraqi Government and Global Sanctions legislation. Our reinsurers also request the same information about you from us which is another reason we request it as without this we would be unable to obtain reinsurance and therefore be unable to offer you cover.

Occasionally we will request further information to assist in sanctions checks. This is not unusual as many people and sometimes companies, share the same name as an individual or entity appearing on a sanctions list. The additional information assists in making sure the correct entity or Individual is approved or rejected.

The contract along with the Statement of Work and if available Project Plan, provides us with information as to what you are doing. This information is key to the underwriting process and will normally contain the Material Information that you have a duty to disclose to us. We are sometimes within the contract asked to assume ‘Liability assumed under Contract’ and/or ‘Cross Liabilities’, and to do this  we have to have sight of the contract to understand exactly what risk is being transferred from you to us as your insurer and in turn for us to transfer the risk to reinsurers.

We understand this which is why we are prepared to sign non-disclosure agreements which make it clear what we do with your data and who has sight of it. If you are still reticent about supplying the contract Contact Us to see what we are able to do.

Yes. As a fully licenced Insurance and Reinsurance company we are regulated by the Iraqi Diwan who annually renew our licence. All Insurance/Reinsurance companies and Brokers (Insurance and Reinsurance) who state they are regulated in Iraq are issued a licence which is renewed on an annual basis with a licence confirmation for the current year issued.

We accept a number of currencies these being Iraqi Dinar (IQD), US Dollar (USD) and Euro. We do not accept other currencies for Premium Payment.

No, we do not accept crypto currencies of any sort for payment.

All our policies contain the following which makes it clear how your data is utilised by us and others:

"How we use your information:

The information supplied to us by you may be held on computer and passed to other insurers and reinsurers for underwriting and claims purposes.

We may use your information for underwriting and claims purposes, statistical analysis, management information, market research, audits on the handling of claims, systems integrity testing and risk management.

We will only share your information as described in this notice or where we are required or allowed to do so by law.

We may record or monitor telephone calls for security and regulatory purposes.”

In certain claims circumstances we use standard industry protocols which enable us to provide ‘sanitised’ data where the claimants details are removed so as not to make the individual person identifiable.

We do not release or share information except under the circumstances shown above.

Related Sector FAQs

For non-annual, trip specific cover; If your travel plans change or you need to make any other amendments to your travel insurance policy, All you need to do is Contact us and provide us with the following information:

  • Policy number
  • Date policy purchased
  • Amendments you wish to make

We will then send you an e-mail confirming that the amendments have been made, attaching the updated policy documentation.

Essentially, the difference is, travel insurance covers treatment in the event of an emergency, whilst a Private Medical policy also provides cover for routine treatment and treatment for pre-existing conditions usually with wider coverage and more treatment options available.

Our policies can cover trips lasting a few days or up to a full year with several standard periods in between. We can provide multi trip insurance cover as well for those making numerous smaller period trips over the course of a year.

Firstly, we can offer Travel Insurance policies to the private traveller and companies, especially for those travelling to Europe and the Schengen region. Our policies meet or exceed the minimum compulsory cover required for an Iraqi National to obtain a Schengen Visa. They also provide cover for trips on a Worldwide basis including North America.

Secondly for companies working in Iraq we can provide comprehensive travel coverage, Customizable. Depending on the cover, region and number of persons cover is required for.

Finally, as to the number of people we can cover on a policy – from One to as many as you require. We have provided cover for annual policies for companies with in excess of 2,500 employees making over 5,000 trips per annum under our Travel policy.

Go to the Travel Key Facts to obtain more information.

In certain circumstances and for certain pre-existing conditions we can consider providing cover. In our own Insurance Policy wording we define Pre-existing Medical Conditions as:  
  • Any disability, condition or Illness which originated prior to the effective date of this policy until a period of 12 consecutive months has elapsed during which the Insured Person has neither received nor required any treatment for the said disability, condition or Illness.
  • Any respiratory condition (relating to the lungs bleeding), heart condition, Crohn’s disease, epilepsy, cancer for which you have received treatment (including surgery, test investigations by your doctor or consultant/specialist and prescribed drugs for medication).
  • Any medical condition for which you are taking prescribed drugs for medication.
  • Any medical condition for which you have received terminal prognosis.
  Any medical condition you are aware of that for which you have not had a diagnosis.
  • Any medical condition for which you are on a waiting list for or have knowledge of the need surgery treatment or investigation at a hospital, clinic or nursing home.
Where we have agreed to provide cover we define pre-existing medical conditions that can be automatically covered as follows, for those conditions not included in the list we may consider cover but full underwriting information will need to be supplied: The definition of Pre-existing medical condition that we can consider are:
  • included on the following list and
  • if the words in brackets apply to the insured person and
  • the condition has remained controlled on medication prescribed by a medical practitioner and
  • has not required any specialist treatment with 24 consecutive months.
Pre approved Conditions List:
  • Acne
  • ADHD (Attention Deficit Hyperactivity Disorder)
  • Asthma (providing it was diagnosed before age 50, and the insured person is taking/using no more than 2 different types of medication/inhalers and has not been admitted to hospital in the last year)
  • Carpal tunnel syndrome
  • Cataracts
  • Corneal graft
  • Deafness
  • Diabetes (providing there have been no complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, amputation of foot or leg, liver damage)
  • Fungal nail infection
  • Glaucoma
  • Hay fever
  • High cholesterol (the inherited form)
  • High blood pressure (providing the insured person has not suffered from any heart disease, kidney damage, stroke or mini-stroke)
  • HRT – Hormone Replacement Therapy
  • Meniere’s disease
  • Impetigo
  • Migraine (provided the insured person has received a confirmed diagnosis and there are no ongoing investigations)
  • RSI (Repetitive Strain Injury/Tendinitis)
  • Tendonitis
  • Tinnitus
  • Tonsillitis
  • Under-Active or Over-Active Thyroid
  • has not required any specialist treatment with 24 consecutive months.
  • has not required any specialist treatment with 24 consecutive months.
  • has not required any specialist treatment with 24 consecutive months.
Any disabilities impairing mobility, vision or mental health provided the insured person is accompanied by an appropriate career for when any assistance is required.

We can cover several activities as follows, others we will consider if you provide further information:

ACTIVITIES THAT CAN BE COVERED (others can be considered upon provision of additional information
Archaeological Digging Karting
Banana Boating Kite surfing
Bungee Jumping Paintballing/War Games
Camel Riding Paragliding
Clay Pigeon Shooting Parascending
Driving any motorised vehicle for which an Insured Person is licensed to drive in his/her Country of Domicile (other than in motor rallies or competitions)
  • Pony Trekking
  • Power Boating (no racing and non-competitive)
  • Safari Trekking (must be organised tour)
Elephant Riding/Trekking Sailing/Yachting (includes amateur racing competitions)
Falconry Sand Boarding
Flying as a fare paying passenger in a fully licensed passenger carrying aircraft
  • Sand Dune Surfing/Skiing
  • Sand Yachting (no racing)
Glass Bottom Boats/Bubbles Scuba Diving up to depth of 18 metres. No solo diving
Go Karting (within organisers guidelines)
  • Shooting/Small Bore Target/Rifle Range Shooting (within organisers guidelines)
  • Hockey
Horse Riding (excluding competitions, racing, jumping and hunting)
  • Speed Sailing (no racing)
  • Tall Ship Crewing (no racing)
Hot air Ballooning (organised pleasure rides only) Water Skiing/Water Ski Jumping
Hovercraft Driving/Passenger White Water Rafting
Jet Boating (no racing) Wind Surfing/Sailboarding
Jet Skiing (no racing) Zorbing/Hydro Zorbing/Sphering

A claims experience is important integral part of the underwriting process. One of the misconceptions is that by not supplying the claims experience you will get better terms. The opposite is true as with no claims experience, we and our reinsurers must rely on industry standard data and will always err on the side of caution regarding rating. 

Claims

A company’s wealth can be affected by circumstances beyond their control, for example a fire. An insurance policy enables a company to transfer the risk from fire and other perils by way of an Insurance contract (the Policy) to a third party (the Insurer) who will compensate you / Indemnify a third party for the damage or loss, subject to the policy terms conditions and exceptions.

You need to be certain the cover is correct for the risks being insured, if it is not then any claim may be withheld or reduced by the application of Non-Disclosure, Average or Indemnity protocols.

We have a track history in dealing with both large and small losses, for complex losses we and our reinsurers will nominate Independent Loss Adjusters to work with you to calculate your loss in line with the policy terms and conditions.

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