Life Insurance for those travelling to the Black Sea region on holiday will often be available at normal terms. The destination that you are travelling to could impact upon the insurers offer terms. For those travelling to high risk locations, the insurer may choose to offer non-standard terms in the form of a premium increase.
Oil rig workers and those working on renewable energy farms based in the Black Sea, may have access to standard terms for Life Insurance, depending upon your working tasks.
If you are travelling due to your work the insurer will want to know how much time you intend to spend at the Black Sea and if your work is of a hazardous nature. Offshore workers who require Life Insurance, will find the following infographic and guides useful
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Critical Illness Cover
Those travelling to the Black Sea coast for holiday purposes will generally have little issue securing Critical Illness Cover at standard terms. The insurer will particularly interested in the specific locations that you will be visiting and your destination of travel could impact upon the terms on offer.
People undertaking non-hazardous jobs on oil rigs and offshore in the Black Sea should be offered normal terms for Critical Illness Cover. For those with work that is of a hazardous nature it is possible that any Critical Illness Cover that you arrange will come with an occupational exclusion to the claims criteria.
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When you travel to the Black Sea coast for holiday purposes, it is likely that you will be able to arrange Income Protection at normal terms with many insurance providers, depending upon the specific destination that you are visiting. Areas that presently have any form of civil or political unrest could lead the insurer to offer Income Protection at non-standard terms, until your travel has ended.
Income Protection for those working in the Black Sea could be available at normal terms, if your job is considered to be non-hazardous. When you apply for Income Protection you should try and arrange the policy on an own occupation definition. This means that if you are unable to work due to ill health the insurer will pay a claim if you cannot perform your current job role. Other definitions of income protection have broader claim criteria and will assess your ability to work in a similar occupation or any job at all.
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