Chad is a demanding operating environment where remoteness, infrastructure, security concerns and medical access can all affect what meaningful insurance needs to do.
This is specialist cover designed for NGOs, journalists, contractors, researchers and operational teams working where standard insurance may not reflect the reality on the ground.
What's included
In Chad, the challenge is often not one single risk but a combination.
Distance, access, infrastructure limitations and the practical difficulty of response if something goes wrong. Logistics and support can be just as important as the policy wording itself.
Country context
The situation
Chad is one of the world's most significant refugee-hosting countries, receiving displacement from Sudan, CAR, Nigeria and other neighbouring conflicts. The country hosts major international humanitarian operations around Lake Chad (for the Boko Haram/ISWAP displacement), in the east (for Sudanese refugees) and in the south (for CAR refugees).
Chad itself faces significant internal instability. Following the death of President Idriss Déby in 2021, his son Mahamat Idriss Déby consolidated power through a transitional government. The country has experienced political violence, coup attempts and persistent armed group activity. The Lake Chad area has ISWAP presence along the Cameroonian and Nigerian borders.
For non-combatants working in Chad — which hosts some of the region's most important humanitarian operations — the risk profile combines jihadist threat (particularly around Lake Chad), political instability, and the operational challenge of supporting refugees in some of the most remote and difficult terrain in the Sahel.
What to watch
Why it can be challenging
ISWAP presence around Lake Chad
ISWAP operates in the Chadian islands and shores of Lake Chad, sharing space with humanitarian operations serving Nigerian and Cameroonian refugees. Attacks on villages and humanitarian presence have occurred in this area.
Sudan conflict displacement and associated security risks
The influx of Sudanese refugees following the 2023 war has created massive pressure on eastern Chad. Armed individuals, including former RSF and SAF fighters, have crossed the border with the civilian population.
Political instability and security force reliability
Chad's security forces are loyal primarily to the Déby family rather than the state. Political instability or a coup attempt could affect security force reliability and create a window of heightened vulnerability.
Extreme operational difficulty across vast distances
Chad is one of Africa's largest countries. Operational areas around Lake Chad, eastern refugee camps and southern CAR-displacement zones are each hundreds of kilometres from N'Djamena. Air transport is essential for emergency response.
Can you get insurance for Chad?
We provide specialist insurance for non-combatants travelling to Chad for professional and operational reasons.
Cover depends on accurate disclosure of location, activity and likely operating conditions.
Why this matters in Chad
In Chad, the challenge is often not one single risk but the combination of distance, access, infrastructure limitations and the practical difficulty of response if something goes wrong.
That is where specialist cover matters. It is built for environments where logistics and support can be just as important as the policy wording itself.
Practical relevance
Cover for non-combatants working where remoteness and logistical complexity compound the operating risk.
Medical treatment following an incident where local facilities are limited and evacuation coordination is required.
Evacuation where the sheer distance involved and limited access routes affect how quickly help can be reached.
Support for teams operating far from reliable infrastructure where the distance to help is part of the risk.
Emergency support
NGS provides 24/7 support and can coordinate treatment, evacuation and onward care where required.
Continuity
Yes. Eligible personal accident benefits can continue after return, subject to the policy terms.
Exclusions
This policy protects people, not possessions.
Cover not included
Activity exclusions
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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