Pakistan is a country where risk varies widely by region. While major cities are well connected, other areas present very different challenges.
We provide specialist insurance for non-combatants working across Pakistan, including higher-risk and restricted regions.
This is designed for people who need clarity and proper support, not assumptions based on standard travel insurance.
What's included
Why standard insurance often falls short
Many policies treat Pakistan as a single risk. In reality, conditions vary significantly depending on location and activity.
Standard policies may exclude:
Country context
The situation
Pakistan is a large and geographically diverse country where risk varies enormously by region. Karachi, Lahore and Islamabad carry elevated crime and periodic terrorism risk but are broadly operational for international organisations. The Khyber Pakhtunkhwa province (KPK), Balochistan and the areas bordering Afghanistan are significantly more dangerous and are subject to active militant threat.
The Tehrik-i-Taliban Pakistan (TTP), reconstituted after the Afghan Taliban takeover in 2021 and operating from Afghan soil, has significantly increased its attack tempo inside Pakistan. KPK and Balochistan have experienced hundreds of attacks. Security forces, minority communities and international targets have all been struck.
For non-combatants working in Pakistan — particularly those in KPK, Balochistan or rural areas — specialist insurance with 24/7 emergency support is essential. Operations in these areas require detailed security planning, local knowledge and the capacity to evacuate quickly.
What to watch
Why it can be challenging
TTP insurgency across KPK and Balochistan
TTP attacks have increased significantly since 2021. Security forces are the primary target but international workers in KPK border areas have been caught in attacks. Complex attacks including VBIED and suicide bombers have been used.
Kidnapping risk in rural areas and border regions
Kidnapping for ransom by militant groups and criminal networks is a genuine risk in rural KPK and Balochistan. International workers outside major cities require armed escort and robust security arrangements.
Sectarian violence and anti-Western sentiment
Sectarian violence targeting Shia communities occurs periodically. Blasphemy allegations and associated mob violence have targeted individuals and organisations including international NGOs.
Natural disaster risk with major evacuation implications
Pakistan is highly vulnerable to flooding, earthquakes and extreme heat. The 2022 flooding affected one-third of the country. Natural disaster events can simultaneously create humanitarian need and impede evacuation.
Can you get insurance for Pakistan?
Yes. We regularly support NGOs, journalists, contractors and business travellers working in Pakistan.
Cover depends on where you are going, what you are doing and full disclosure of risk.
Where this applies
We can provide cover across Pakistan, including cities such as:
We can also consider more remote or sensitive regions, subject to underwriting.
Emergency support
NGS provides 24/7 support, helping assess the situation and coordinate treatment, evacuation and onward care.
This matters most when you are outside major centres or dealing with complex situations.
Continuity
Yes. Eligible personal accident benefits can continue after you return to your country of residence, subject to policy terms.
Who this is for
NGOs and humanitarian organisations
Journalists and media professionals
Contractors and field specialists
Business travellers operating beyond standard environments
Exclusions
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
Register in minutes to access your quotes, manage policies, and activate cover. Or use the quick quote widget to get an indicative price immediately.
Cover by profession
Already have an account? Sign in
Quick Quote
Fill in the details below and we'll show you the cost. No account needed to see a price.
Couldn't load occupations.