Gaza is one of the most complex environments in the world to operate in. For most people, the issue is not just access. It is whether meaningful insurance is even possible.
This cover is designed for NGOs, journalists and authorised professionals whose work requires them to operate in Gaza under extremely difficult conditions.
What may be included
Cover depends on who you are, what you are doing, and full disclosure of the work involved. Each case must be assessed individually.
Cover available — Confirmed
Gaza is an active and highly constrained environment. Standard insurance does not apply here.
Infrastructure, medical access, movement and evacuation options may all be limited. The question is not just whether you have insurance, but whether it is realistic, responsive and supported by people who understand the environment.
City context
The situation
The Gaza Strip has been the site of intensive Israeli military operations since October 2023, following the Hamas attacks that killed approximately 1,200 people in Israel. The humanitarian situation is catastrophic: most of Gaza's infrastructure has been destroyed, the population has been displaced multiple times, and humanitarian access has been severely restricted.
For international staff — journalists, humanitarian workers and medical personnel — Gaza represents one of the most dangerous operating environments in the world. Aid workers including World Central Kitchen staff have been killed in incidents involving the Israeli military. Documented attacks on press, hospitals and UN facilities have occurred throughout the conflict.
Operations in Gaza require the highest level of specialist insurance, security planning and emergency support. Evacuation from Gaza is dependent on negotiated access through crossings controlled by Israel and Egypt, which can close without notice. There is no safe route of last resort.
What to watch
Why it can be challenging
Active military operations causing extreme risk to all in the area
Israeli military operations include airstrikes, artillery and ground combat across the Gaza Strip. No area can be considered safe. Hospitals, aid convoys, press vehicles and clearly marked international facilities have been struck.
Documented killing of international aid workers
World Central Kitchen staff and other aid workers have been killed in strikes. This represents a category of risk specific to Gaza: the possibility that international status does not provide protection from military action.
Near-total infrastructure destruction
Gaza's hospitals, water systems, communications networks and roads have been destroyed or severely damaged. Medical evacuation depends on negotiated crossing access. Trauma care is only available in extremely degraded conditions locally.
Restricted and unreliable evacuation routes
The Rafah crossing with Egypt and the Kerem Shalom crossing are the primary exit routes. Both have been closed for extended periods. Evacuation planning must account for the possibility that access is denied when it is most needed.
Can you get insurance for Gaza?
Cover depends on who you are, what you are doing, and full disclosure of the work involved.
This is not a standard insurance scenario. Each case needs to be understood properly before cover can be confirmed.
You must be operating as a non-combatant.
Why this matters in Gaza
Gaza is an active and highly constrained environment. Infrastructure, medical access, movement and evacuation options may all be limited.
That means the question is not just whether you have insurance, but whether it is realistic, responsive and supported by people who understand the environment.
Specialist cover exists for this reason.
Important limitations
Operating in Gaza involves real constraints. Response options may depend on access, permissions and conditions on the ground at the time.
This is why clear understanding and realistic expectations are essential before travel.
What this means in practice
Exclusions
Being clear about exclusions helps buyers understand exactly what this policy covers and where the limits are.
This policy protects people, not possessions.
Activity exclusions
Cover not included
Property exclusions
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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