Working in Kharkiv is not the same as working in most cities. It sits close to active conflict areas and conditions can change quickly. Standard travel insurance is unlikely to respond properly here.
We provide cover worldwide for non-combatants, including high-risk and frontline-adjacent areas like Kharkiv. Designed for real conditions, not assumptions.
What's included
This cover is built for real conditions, not assumptions.
Standard travel insurance will not respond properly in Kharkiv.
Most policies explicitly exclude conflict zones, civil unrest and higher-risk work categories. In Kharkiv's current environment, specialist cover is not optional — it may be the only policy that will actually pay out if something happens.
Yes — Conflict Cover provides specialist insurance for Kharkiv, Ukraine.
Subject to full disclosure of your assignment, operating area and security arrangements. This cover is designed for journalists, NGO workers, contractors and other non-combatants who have a legitimate professional reason to be there.
City context
The situation
Kharkiv is Ukraine's second-largest city and sits approximately 30 kilometres from the Russian border. This proximity has made it one of the most targeted cities in Ukraine throughout the war. Russian forces occupied parts of the Kharkiv region in early 2022 before being pushed back, and attempted a renewed offensive into the Kharkiv region in May 2024.
The city itself has been subject to sustained missile, drone and glide bomb attacks throughout the conflict. Russian S-300 missiles and glide bombs (KAB series) have struck residential areas, markets, hospitals and energy infrastructure in Kharkiv repeatedly, causing significant civilian casualties.
For international workers in Kharkiv — humanitarian organisations, reconstruction teams and journalists — the risk level is materially higher than Kyiv. Front-line proximity and the difficulty of intercepting glide bombs and S-300 missiles with available air defence mean that attack warning times are minimal and the consequences more severe.
What to watch
Why it can be challenging
Close proximity to active front lines and Russian territory
Kharkiv is 30km from Russia. This proximity means short warning times for incoming fire, limited air defence engagement windows for glide bombs, and a realistic risk of renewed ground offensive.
Glide bomb attacks with minimal warning time
Russia uses KAB-series glide bombs dropped from aircraft over Russian territory. These cannot be intercepted by most current air defence systems. Strike warning time is seconds. They have caused mass-casualty incidents in Kharkiv.
Sustained targeting of civilian infrastructure
Kharkiv's power plants, substations, markets, hospitals and residential areas have been repeatedly targeted. The city has experienced longer power outages than Kyiv, affecting all operations.
Risk of rapid military situation deterioration
The May 2024 offensive demonstrated that Russian forces can mass for an attack on the Kharkiv region. A rapid deterioration in front-line conditions could require emergency evacuation with limited time to plan.
Can you get insurance for Kharkiv?
We provide specialist cover for individuals and organisations operating in Kharkiv, including journalists, NGOs, security-adjacent teams and contractors.
Why this matters in Kharkiv
Kharkiv is close to active conflict zones and has experienced repeated attacks and infrastructure disruption.
This means risk can affect movement, access to care and evacuation routes. It is not a background consideration — it shapes every day on the ground.
Specialist cover ensures that if something happens, there is a clear plan and support in place — not just a policy that turns out not to apply.
Practical relevance
Accidental injury in an unstable or frontline-adjacent area — where local care may be limited or inaccessible.
Need for immediate evacuation to another city or country when local treatment is not sufficient or safe to reach.
Conflict damage to infrastructure can reduce access to hospitals. NGS can help identify and reach appropriate care.
Emergency support
NGS operates a 24/7 response centre. They assess the situation and coordinate the right response, including evacuation where needed.
You are not left to manage a critical situation alone.
Continuity
Yes. Eligible benefits can continue after you return to your home country, subject to policy terms. Many policies stop at the border. This one does not.
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 can be arranged separately if required.
Global reach
We provide cover across the world for non-combatants — including high-risk and conflict environments where standard insurers decline.
If you can explain where you are going and what you are doing, we can usually arrange cover. The process is straightforward and can move quickly when time is short.
Worldwide cover
For non-combatants operating anywhere
Conflict zones
Including where standard insurers decline
24/7 reachable
NGS response at any hour, any day
Fast to arrange
Cover can start quickly when time is critical
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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