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As relocation around the world becomes more commonplace, so a greater number of factors need to be taken into account by those leaving the UK. Currently, the Middle East and Asia remains important destinations for UK and other nationalities, with increasing numbers now heading towards reconstruction zones such as Iraq and active conflict areas including Afghanistan.
War zones are occupied not only by traditional armies, but also by huge numbers of businesses involved in post war reconstruction. As a member of this latter group, it is vital that expatriates carefully choose a policy which is tailored to suit their needs and which takes into account the particular dangers of working in a country such as Iraq or Afghanistan. Finding the right policy is not always straightforward, as many insurers have special clauses relating to war and terrorist threats.
Policies which include limited cover against terrorist attacks are available, but with conflicts not solely confined to war zones nowadays, effective cover which reflects this new global reality is now ever more important. Nearly a third of brokers questioned by MediCare International in a recent research survey said that they would not consider a policy if it did not provide some level of war or conflict cover, for example. MediCare International has a ‘stand out’ benefit that really makes a difference to those expatriates living and working in world hot spots. For these individuals, MediCare International provides ‘passive war’ cover including war and terrorist attack, in contrast to other insurers whose policies may often have a full war risk exclusion.
Passive war cover is likely to be of particular interest staff in aid agencies and rebuilding contractors working elsewhere in the Gulf area, especially in Lebanon, Kuwait or indeed Africa. Policyholders benefit from the full range of MediCare International services, including hospital benefits and evacuation, in the event of injury by terrorists or as part of a broader war conflict. Evacuation is likely to be particularly relevant in conflict zones, where local medical facilities may be damaged or supplies of medication and blood for transfusions may be an issue.
With over 25 years experience of supporting the international business community worldwide, and clients from 86 nationalities in 114 countries, MediCare International is used to facing the challenges of developing policies to cover individuals in some of the most inhospitable parts of the world.
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