Democratic Republic of Congo

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Democratic Republic of CongoWhen you apply for Life Insurance and are travelling to the Democratic Republic of Congo the insurer will want to know specific details, such as how long you intend to be in the region, the exact destinations you will visit and the purpose of your travel. It is possible that standard insurance providers could consider your application at standard terms, if your journey is less than 30 days.

For those visiting the DRC for more than 30 days, it is not possible to fully indicate the terms that you will be offered for Life Insurance as your application will be reviewed by the insurer based on their risk rating for the country on a case by case basis. If Life Insurance is available it is likely to be offered at non-standard terms in the form of a premium increase. For those who have travelled to the Democratic Republic of Congo in the past you may be asked to undergo a Hepatitis and HIV test before the insurer will fully assess your application.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Travel to the DRC may have little bearing on your Critical Illness application, if you are going to be in the region for less than 30 days. In this instance you may find that you are able to secure this policy at normal terms with specific insurers.

Critical Illness Cover when you travel to the Democratic Republic of Congo for more than 30 days at a time, will need to be placed with an insurance provider who can look favourably upon your application. Your application will be reviewed on an individual basis and terms of cover, if available, will be tailored to your specific circumstances. Where Critical Illness Cover is available it will be offered with some form of a premium increase, to offset the perceived risk of your intended travel. As above, you could be asked to take a Hepatitis and HIV test in order for the insurer to fully consider your application.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income Protection for those travelling to the Democratic Republic of Congo should be placed with an insurer who can consider the application. The insurer will make particular note of whether your travel is related to your occupation and if so how often you will be required to visit the country. Small journeys of less than 30 days should not have a significant impact on your application.

Travel to the DRC of more than 30 days, could affect the terms of your Income Protection policy. Your application will be reviewed on a case by case basis. Any terms of cover that you are offered for Income Protection may be dependent upon you taking a Hepatitis and HIV test if you have visited the Democratic Republic of Congo before.

Planning on a trip to the Democratic Republic of Congo? We work with a specialist broker that can offer comprehensive travel insurance for most countries.

Request a no obligation quotation from them here.

British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.

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Democratic Republic of Congo GOV.UK Travel Advice
  • Democratic Republic of the Congo travel advice September 4, 2020
    DRC authorities opened their international and internal borders on 15 August. DRC’s neighbouring countries may have border restrictions in place ('Coronavirus' and Entry requirements' pages).

Please see our dedicated page for Offshore Workers, for a transcript for this video.

Democratic Republic of Congo​

The Democratic Republic of the Congo is a central African country that is currently seen to have significant political and civil unrest.

Popular Locations: Kinshasa, Goma

Reason for Travel: Business, Leisure, Military Operations

Duration of Stay: Holiday break, sabbatical, employment contract, military deployment

Insurance Risks: Civil unrest, war zone, destination i.e. Army base

  • The Democratic Republic of Congo is known for its export of diamonds and crude oil.
  • Congolese soukous is a traditional music genre.
  • A staple dish in the region is fufu.

Common Questions

Hi, there are a few options that we can look at for you. There can be options with standard insurers, it depends upon things like your rotation, the locations that you visit and the transport that you use to get to and from the rig or boat.

We regularly arrange life insurance for offshore workers. Our services are completely no obligation, we will chat to you and give the options that are available, you are then in full control over what options you do or don’t want to take.

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Review by Ken on 24th July 2020

A very professional and efficient service From beginning to end I found the process very helpful and straightforward. The staff dealt with were professional and helpful. - 5 

You can read more of our reviews here.

Democratic Republic of Congo

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Democratic Republic of Congo

Client Reviews

Democratic Republic of Congo

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