The Democratic Republic of the Congo is one of the clearest examples of why specialist insurance matters. For many travellers, the challenge is not just instability. It is also remoteness, infrastructure, medical access and the practical difficulty of getting help when it is needed.
This is specialist cover designed for NGOs, journalists, contractors, researchers, corporate teams and operational staff whose work still requires them to travel where standard insurance is often too limited for the reality on the ground.
What's included
Cover is based on a clear understanding of who is travelling, what they are doing, where they are going and the conditions they will be working in.
The DRC is not one simple operating environment.
Conditions can vary sharply by region, and the real difficulty may come from poor roads, limited medical facilities, distance, instability or the challenge of evacuation. Having a standard policy is not enough on its own.
Yes — Conflict Cover provides specialist insurance for Democratic Republic of Congo.
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.
Country context
The situation
The Democratic Republic of Congo combines extraordinary scale — it is the second-largest country in Africa — with one of the most complex humanitarian emergencies in the world. Eastern DRC has been subject to continuous armed conflict involving the FDLR, M23, Mai-Mai militias, ADF and numerous other armed groups for over two decades. M23 and RDF (Rwandan Defence Forces) advances in 2023-2024 have captured significant territory including Goma.
The conflict in eastern DRC has caused one of the world's most severe displacement crises, with millions of internally displaced persons concentrated around Goma, Bukavu and other cities. International humanitarian organisations have maintained a presence throughout but have suffered significant staff casualties, kidnappings and security incidents.
For non-combatants working in DRC — particularly in eastern provinces — the operational environment is extremely demanding. Kivu provinces, Ituri and Maniema have active armed group presence that directly affects humanitarian operations. Specialist insurance and 24/7 emergency support are essential.
What to watch
Why it can be challenging
M23 and allied forces controlling territory near Goma
M23, supported by Rwandan forces, controls significant territory in North Kivu and captured Goma in early 2025. This has fundamentally altered the security environment for all humanitarian operations based in Goma.
Multiple armed groups targeting international organisations
Eastern DRC hosts dozens of armed groups with different political and economic motivations. Kidnapping of international staff for ransom is a specific and ongoing risk. Convoy ambushes have caused staff deaths.
Disease outbreak risk compounding conflict
DRC has experienced multiple Ebola outbreaks in eastern provinces. MPox (monkeypox) outbreaks have been severe. Disease risk compounds the already extreme operational difficulty of eastern DRC.
Vast distances and logistical complexity
DRC's size means that even within the eastern provinces, distances are enormous. Air transport is essential for field operations, and aircraft availability and airstrip conditions are constant operational constraints.
Can you get insurance for the Democratic Republic of the Congo?
We provide specialist insurance for non-combatants travelling to the Democratic Republic of the Congo for professional and operational reasons.
Cover is based on a clear understanding of who is travelling, what they are doing, where they are going and the conditions they will be working in.
Why this matters in the Democratic Republic of the Congo
The Democratic Republic of the Congo is not one simple operating environment. Conditions can vary sharply by region, and the real difficulty may come from poor roads, limited medical facilities, distance, instability or the challenge of evacuation.
That means having a standard policy is not enough on its own. What matters is whether the cover is built for the truth of the environment and backed by real-world support if something goes wrong.
That is where specialist cover matters.
Practical relevance
Cover for NGO and field teams operating where remoteness and instability are as much a challenge as direct security threats.
Medical treatment following an incident where the nearest adequate facility may be hours away or only accessible by air.
Evacuation support in a country where distance, road conditions and infrastructure can significantly affect what is possible.
Support for journalists, contractors and operational teams working under pressure across a very large and varied country.
Emergency support
NGS provides 24/7 support. They can assess the situation, coordinate treatment, support evacuation where possible and manage the case through to a safer outcome.
This is especially important in a country where time, distance and local conditions can all affect what happens next.
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 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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