Delhi is a major global city and a centre for business, government and international activity. For many travellers, it is both a destination and a starting point for wider work across India.
This is specialist insurance designed for people whose work involves movement, responsibility and exposure beyond standard travel patterns.
What's included
Designed for non-combatants working in environments where standard insurance often fails.
For many travellers, Delhi is only part of a wider itinerary.
Even in major cities, the real risk depends on what you are doing, where you are going and how your work is structured. Standard insurance can fall short when the full picture is not considered. Specialist cover ensures that it is.
City context
The situation
Delhi (NCT) is India's capital and the headquarters for the vast majority of international NGOs, diplomatic missions and media organisations operating in the country. As a major hub it has good infrastructure, strong medical facilities and established international networks. Most routine operations are manageable.
However, Delhi is periodically affected by communal tensions, major protests and political events that can disrupt movement across the city. The 2020 Delhi riots resulted in dozens of deaths and widespread destruction in parts of north-east Delhi, demonstrating that communal violence can affect the capital even in non-conflict periods.
For international workers based in Delhi, the risk profile is primarily related to field deployments to conflict-affected or remote areas of India, rather than risk in Delhi itself. Cover should account for the full scope of operations across India.
What to watch
Why it can be challenging
Communal violence risk in specific neighbourhoods
Delhi has experienced communal riots causing casualties and property destruction. North-east Delhi and areas with mixed religious communities can experience rapid escalation in periods of political tension.
Crime targeting international workers
Delhi has elevated rates of crime including theft, fraud and assault targeting international workers. Certain areas have higher risk, particularly at night. Personal security awareness is important.
Field operation risk for assignments across India
Delhi-based international workers regularly deploy to field locations across India. The cumulative risk of these operations — road travel, remote locations, conflict-affected states — requires comprehensive cover.
Air quality and environmental health risk
Delhi's air quality in winter months reaches hazardous levels. For extended assignments, this is a genuine health risk requiring monitoring and contingency planning.
Can you get insurance for Delhi?
We provide specialist insurance for non-combatants travelling for professional purposes.
Cover is based on your work, your movement and the conditions you will be operating in.
Why this matters in Delhi
Even in major cities, the real risk is not always obvious. It depends on what you are doing, where you are going and how your work is structured.
For many travellers, Delhi is only part of a wider itinerary. That is where standard insurance can fall short.
Specialist cover ensures the full picture is considered.
Emergency support
NGS provides 24/7 emergency support, coordinating treatment, evacuation and onward care wherever your work takes you across India.
Available around the clock, regardless of where an incident occurs.
Continuity
Yes. Eligible personal accident benefits can continue after you return to your country of domicile, subject to the policy terms.
That helps provide continuity if the impact of an incident continues after you leave the country.
Exclusions
Being clear about exclusions helps buyers know exactly what this policy is for and where separate cover may be needed.
This policy is designed to protect people, not possessions.
Cover not included
Activity exclusions
Property exclusions
These covers can be arranged separately if required.
Threat intelligence
For a deeper understanding of the current situation, including operational risks and regional dynamics, see our threat intelligence hub.
Common questions
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