Dhaka is one of the most densely populated and operationally demanding cities in the world. It is a centre for development, manufacturing and NGO activity, but also a place where infrastructure, environment and access can affect how work is carried out.
This is specialist insurance designed for people whose work depends on being in the city and moving through it effectively.
What's included
Designed for non-combatants working in environments where standard insurance often fails.
Dhaka is one of the most densely populated and operationally demanding cities in the world.
Movement can be slow, access can be difficult and environmental conditions can change quickly — directly affecting how quickly treatment can be reached and how evacuation would work if needed. Specialist cover reflects these realities.
City context
The situation
Dhaka is Bangladesh's capital and the centre of its political, commercial and NGO life. The July-August 2024 uprising that brought down the Hasina government was centred on Dhaka, with significant violence occurring in the city between student protesters, police and Awami League supporters.
Following the transition, Dhaka has seen continued political instability including protests, violence against Hasina-linked individuals and properties, and attacks on minority communities in some areas. The political and security environment remains uncertain as the interim government consolidates.
For international workers, Dhaka's risk profile is primarily related to political instability rather than terrorism or insurgency. The city has reasonable infrastructure, functioning hospitals and an international airport, but the political environment can change rapidly.
What to watch
Why it can be challenging
Political instability and protest risk
Dhaka has experienced significant political violence. The student-led uprising of 2024 resulted in hundreds of deaths. Future political transitions and elections carry similar potential for unrest.
Traffic and road safety as operational risk
Dhaka has among the world's worst traffic conditions. Road accidents cause casualties, and emergency vehicle response times in Dhaka are severely affected by congestion.
Crime targeting international workers
Dhaka has elevated rates of theft, fraud and assault in some areas. Expat neighbourhoods like Gulshan and Baridhara have better security but are not immune.
Flooding and drainage infrastructure failure
Large parts of Dhaka flood during monsoon season, affecting movement and creating infrastructure failures. Extended flooding events can disrupt operations significantly.
Can you get insurance for Dhaka?
We provide specialist insurance for non-combatants travelling to Dhaka for professional and operational purposes.
Cover is based on your role, working conditions and how you operate within the city.
Why this matters in Dhaka
Dhaka presents challenges that are not always obvious on paper. Movement can be slow, access can be difficult and environmental conditions can change quickly.
That affects how quickly treatment can be reached and how evacuation would work if needed.
Specialist cover reflects these realities rather than assuming a straightforward urban environment.
Practical relevance
Cover for humanitarian and development organisations operating within one of the world's most congested urban environments.
Professional cover for people whose work takes them into industrial and manufacturing zones across the city.
Support for reporters, analysts and researchers moving across Dhaka as part of their professional work.
Cover for treatment costs when an incident occurs and where congestion or infrastructure limits how quickly care can be accessed.
NGS coordination for evacuation where density, traffic and infrastructure make standard response planning insufficient.
Emergency support
NGS provides 24/7 support, coordinating treatment, evacuation and onward care.
This is critical in a city where movement and access can directly affect outcomes.
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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