If you are travelling for work to a high-risk area, a standard worldwide business travel insurance policy or expatriate travel insurance policy may not provide sufficient coverage for your trip. On this page, you will find a list of high-risk areas and information about the scope of insurance coverage.
High-risk areas are divided into dangerous areas and war risk areas. The security situation in dangerous areas may be affected by factors such as widespread crime or social and political instability. In war risk areas, there is an ongoing armed conflict, or the security situation is otherwise extremely poor.
Check your insurance coverage before travelling
If you are travelling to a high-risk area, you will need additional insurance coverage. Standard travel insurance or expatriate travel insurance does not cover losses occurring in dangerous areas or war risk areas.
This change will take effect on 18 September 2026. It applies to new insurance policies issued on or after this date. For existing policies, the change will take effect at the beginning of the next insurance period.
If the security situation in your travel destination deteriorates during your trip and the area is added to the list of dangerous areas or war risk areas on this page, the restriction will take effect 14 days after the area is added to the list.
Please contact us well in advance of travelling to a high-risk area. For travel to dangerous areas, you can obtain either temporary or continuous additional insurance coverage that protects against losses occurring in the area. We will help your company choose the solution that best meets its needs.