Myanmar is one of the clearest examples of why specialist insurance matters. It is a conflict-affected environment where local conditions, access and operational risk can all change quickly.
We provide cover worldwide for non-combatants, including high-risk and conflict-affected environments like Myanmar.
This is specialist cover designed for journalists, NGOs, contractors, researchers and operational teams whose work still requires them to travel and operate in difficult conditions.
What's included
Designed for non-combatants working in environments where standard insurance often fails.
Myanmar is a conflict-affected and fast-changing environment.
Standard travel insurance is unlikely to provide meaningful protection. The challenge is not just whether you can travel — it is whether your insurance will still work when the situation becomes more difficult. That is where specialist cover matters.
Country context
The situation
Myanmar has been in civil war since the military coup of February 2021, when the Tatmadaw (military) seized power from the elected government. The National Unity Government (NUG), People's Defence Force (PDF) militias and multiple established ethnic armed organisations (EAOs) are fighting the military junta across much of the country.
The military has conducted systematic attacks on civilian populations, including airstrikes on villages, scorched earth operations and blockades of humanitarian aid. Ethnic minority regions — Chin, Kayah/Karenni, Karen, Kachin and Shan states — have all seen significant conflict. The junta's air force has conducted attacks on aid delivery and civilian gatherings.
For non-combatants working in Myanmar — humanitarian workers, journalists and those with commercial operations — the environment is extremely difficult. The junta restricts access, persecutes civil society, and has detained foreign nationals. Areas outside Yangon and Mandalay are largely inaccessible without significant risk.
What to watch
Why it can be challenging
Active civil war with airstrikes on civilian areas
The military has conducted repeated airstrikes on villages, markets and gatherings in conflict-affected areas. International organisations operating in resistance-controlled areas face direct targeting risk.
Junta arrest and detention of foreign nationals
Myanmar's junta has arrested and detained foreign nationals including journalists and NGO staff on national security grounds. Entry to Myanmar under junta-controlled conditions carries detention risk.
Access restricted across large parts of the country
Most of Myanmar outside the major cities is either under EAO/PDF control, actively contested or under military blockade. Humanitarian access requires either junta permission or cross-border routes from Thailand.
Telecommunications monitoring and digital security risk
Myanmar's military government monitors communications extensively. Digital security, VPN use and communications operational security are essential for anyone working with civil society or resistance-aligned groups.
Can you get insurance for Myanmar?
Yes. We provide specialist insurance for non-combatants travelling to Myanmar for professional and operational reasons.
This cover is built for real working conditions in an environment where access, infrastructure, local support and evacuation routes may all be affected by events on the ground.
Why this matters in Myanmar
Myanmar is not a place where a standard travel policy is likely to be enough. The challenge is not just whether you can travel. It is whether your insurance will still work when the situation becomes more difficult.
That means serious travellers and organisations need cover that reflects the truth of the environment and gives them a clearer route to support if something goes wrong.
That is where specialist cover matters.
Practical relevance
Cover for professionals whose work requires them to operate in Myanmar despite the uncertainty and risk on the ground.
Access to meaningful medical support when local facilities may not provide the level of care required.
Evacuation support when the situation changes and the options on the ground are constrained.
Cover for the types of organisations and professionals who cannot stop working when conditions deteriorate.
Emergency support
NGS provides 24/7 support. They can assess the situation, help coordinate treatment, support evacuation where required, and manage the case through to a safer outcome.
This means you are not relying on a standard policy alone. You have access to practical support if the situation becomes more complicated.
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
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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