Democratic Republic of Congo
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When you are travelling abroad the first thing that generally pops to mind is travel insurance. This completely makes sense but it’s also worthwhile thinking about what your travel can mean for things like life insurance.
When you apply for life insurance and are travelling to the Democratic Republic of Congo the insurer will probably want to know some specific details:
- How long are you travelling to the DRC for?
- Are you travelling to the Democratic Republic of Congo for holiday or work?
- When will your trip start?
It is possible that some life insurers might ask some more details from you such as the exact location that you will be travelling to.
If your journey is less than 30 days it could be that some insurers can offer you life insurance at standard terms.
If you are an offshore worker and will be visiting the DRC regularly, it will be important to pick a life insurer that supports your working pattern. This is where our advisers shine!
People that have spent a significant amount of time in the Democratic Republic of Congo in the past, may find that some insurers ask you to have a Hepatitis and HIV test before they assess your application.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
A holiday to the Democratic Republic of Congo will often have little to no affect on your critical illness application. A holiday is usually seen as a trip of 30 days or less.
Travel to the DRC for more than 30 days for a holiday, or more than a week for work, will be looked at more by insurers. They will want to assess if there is an increased risk of you developing a critical illness based upon the environment and other factors linked to your destination.
It could be that critical illness cover is available to you and most insurers that can offer this will increase the premiums based upon your travel.
Our advisers will search the insurance market for you to make sure that you get a high quality critical illness policy.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for those travelling to the Democratic Republic of Congo will need to be placed with an insurer that can consider the application.
Again, if the trip is for a short holiday you should have little trouble arranging income protection. If you are travelling to the DRC for work, the insurer will want to check some details with you.
If this is you, your application will be reviewed on a case by case basis. The insurer will want to check what your duties will be in the country and possibly details of your exact location and how you will travel whilst in the Democratic Republic of Congo.
Our advisers will help find the right income protection policy for you.
Planning on a trip to the Democratic Republic of Congo? We work with a specialist broker that can offer comprehensive travel insurance for most countries.
Request a no obligation quotation from them here.
British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.
Video Transcript
Please see our dedicated page for Offshore Workers, for a transcript for this video.
Democratic Republic of Congo
The Democratic Republic of the Congo is a central African country that is currently seen to have significant political and civil unrest.
- Primary Concerns: Civil unrest, war zone, destination i.e. Army base
- Reason for Travel: Business, Leisure, Military Operations
- Duration of Stay: Holiday break, sabbatical, employment contract, military deployment
- Popular locations: Kinshasa, Goma
- The Democratic Republic of Congo is known for its export of diamonds and crude oil.
- Congolese soukous is a traditional music genre.
- A staple dish in the region is fufu.
- Cura Case Study – Offshore Worker
- Life Insurance for Offshore Workers
- Offshore Workers Life Insurance – How Much Does it Cost?
- Offshore Workers Life Insurance Market Changes
- Offshore Workers Life Insurance: How Much Will it Cost?
- The Offshore Workers Guide to Life Insurance
- Offshore Workers Infographic
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, there are a few options that we can look at for you. There can be options with standard insurers, it depends upon things like your rotation, the locations that you visit and the transport that you use to get to and from the rig or boat.
We regularly arrange life insurance for offshore workers. Our services are completely no obligation, we will chat to you and give the options that are available, you are then in full control over what options you do or don’t want to take.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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