High risk international insurance for individuals
Contents Personal accident insurance...4 International medical insurance...6 International life insurance...7 International income protection insurance... 8 Kidnap and ransom insurance...9 With you every step of the way...10 Bellwood Prestbury is the global insurance specialist for organisations and individuals operating in the world s most challenging businesses and regions. Bellwood Prestbury Limited is registered in England no. 1100251. Authorised and regulated by the Financial Conduct Authority (www.fca.gov.uk). Certification no. 192976
Creating affordable, tailored, high risk insurance Bellwood Prestbury, founded in 1973, is a leading independent provider of high risk insurance for people who work in challenging environments around the world. We provide insurance for business trips, extended contracts or permanent postings in the harshest environments, the most dangerous occupations and the riskiest regions on the planet. As a Lloyd s Coverholder, we have the ability to quickly create affordable, tailored, high risk insurance to cover all of your needs, from international life and medical cover, to global accident and income protection. We can create a range of cover options to suit your specific requirements, including your age, occupation, location, medical history or special arrangements for family and dependents. Bellwood Prestbury is an independent firm, which means that we can advise you on the best international insurance options, without bias. 3
Protecting you in war or terror zones, and remote regions Personal accident insurance for challenging situations Bellwood Prestbury specialises in personal accident insurance for high risk territories and high risk occupations, covering you for virtually any eventuality, almost anywhere in the world. At Bellwood Prestbury we have years of experience in helping people to arrange personal accident insurance that is valid in war or terror zones and remote regions and covers people in dangerous occupations or high risk situations. As a Lloyd s Coverholder, we can create bespoke tailored policies to meet your specific needs, for a few days, a few months, or for multiple regions across an entire year. From surveys of gorillas deep in the Congolese jungle, to election monitoring in Sudan; from medical training in Kabul to onboard security in the pirate infested waters of Eastern Africa, we know how to organise the most competitive cover, quickly and efficiently. Our international personal accident insurance can include: Cover in the event of death A lump sum if you re permanently totally disabled A pay out should you be permanently partially disabled A weekly income if you re unable to work Medical expenses insurance with evacuation and repatriation 4
High risk occupation? We can organise cover for you Protecting you, wherever your work takes you Bellwood Prestbury is expert at arranging cover for people in high risk occupations. Recent assignments include: Construction personnel people working on contract in Iraq, Sudan and Somalia for example. Demining professionals working to remove unexploded ordnance in Libya, Iraq, Afghanistan and other post-conflict zones. Journalists reporting, researching or filmmaking in remote or dangerous regions such as Egypt and Libya during the unrest. Logistics experts cover for drivers, crewmembers and management working on supply lines in war and terrorist areas around the world. Maritime security consultants advising shipping lines and front line staff protecting ships in known pirate areas. Mining experts working underground or in remote regions where standard insurance is invalid. NGO/charity workers posted to remote or dangerous areas, including Somalia and Afghanistan. Oil and gas contractors in the Middle East, the Niger delta and offshore in West Africa. Security consultants working in Iraq, Afghanistan, Nigeria and other conflict zones around the world. Other occupations including election monitors in Somalia, engineers working on UN contracts in Mogadishu and researchers studying biodiversity in the jungles of the Democratic Republic of Congo. 5
evacuation services Organising the best or o r e i o ting International medical insurance, almost anywhere nternational edi al in ran e ro ider differ in ter o t e le el o er i e t e offer on t e gro nd in e i region and t eir willingness to cover more risky occupations or territories. As an independent expert, Bellwood Prestbury can help you to get the right international medical insurance to meet your specific needs. We ll ensure that the provider we choose has the best medical evacuation for the region you intend to work in or visit. We ll take into account your personal medical history and the level of cover you may need. We work on behalf of individuals based all over the world, negotiating competitive rates and organising cover for dangerous occupations or remote regions that other firms won t get involved with. Bellwood Prestbury can: Organise cover for high risk territories like Afghanistan, Iraq or Somalia, or high risk occupations like offshore oil and gas or armed maritime security Help you to assess each provider s ability to respond to medical emergencies, evacuation arrangements and cost, so we can quickly find the right level of cover for you Significantly reduce premiums by excluding high premium territories like the US where appropriate Specify the correct balance between benefits and premiums to ensure that your international medical insurance cover properly protects you and your family, wherever you are in the world 6
Ensuring your loved ones are properly provided for High risk life insurance protecting your dependents High risk life insurance is an essential precaution for anyone considering a hazardous occupation, or work in a remote area, war or o t on i t one Bellwood Prestbury s unrivalled knowledge of international life insurance enables us to find the right cover based on where you are, the risks you might face, and your lifestyle. As a Lloyd s Coverholder, we can create tailored cover to meet your precise circumstances. We can organise cover for short postings in specific regions or longer term insurance to cover ongoing global assignments. We often manage to secure high risk life insurance at extremely competitive rates and we can turn around quotes and cover fast. e an arrange e ible ig ri li e insurance that can include: Term Life insurance for up to 10 years Policies for pre-existing conditions or risky medical conditions High risk life insurance for hazardous occupations/industries or people working in remote areas, post-conflict zones or other high risk geographic areas Policies combined with international disability insurance and other benefits to provide complete packages 7
Compensation for accidents or illness abroad International income protection Bellwood Prestbury is a Lloyd s Coverholder for international income protection insurance, enabling us to create bespoke policies to meet your precise needs, fast. International income protection insurance is designed to provide you with compensation should you suffer an accident or serious illness that prevents you from working. Bellwood Prestbury is an expert in organising quality cover through Lloyd s, London. Our international income protection policies are valid in war zones, terrorist areas or remote regions with poor medical infrastructure. We can also cover hazardous occupations like security consultants, even when you re engaged in active operations in Afghanistan, Iraq or the Strait of Hormuz. In the event of an accident or illness, our income protection cover can provide: a lump sum an ongoing monthly income We can help you to arrive at the right balance between premiums and potential compensation and negotiate a waiting period that is right for your circumstances. 8
Experienced consultants on your side Kidnap insurance with full support Bellwood Prestbury has organised kidnap insurance for many individuals deemed at risk of kidnap and ransom demands. Kidnap insurance not only provides cover for a potential ransom payout; it also pays for the costs of expert negotiators, putting you in the hands of experienced consultants that can make the difference between a fast and safe resolution, or the worst outcome of all. Our kidnap insurance clients include celebrities and politicians, consultants working on high profile projects in remote areas, and security contractors operating in known conflict or terrorist areas. Each policy is individually tailored to your specific needs and is discreetly organised before you travel to at-risk areas. Your policy can include: Insurance for a particular timeframe or a business trip to a specific area, like the Gulf of Aden or Niger Delta Global cover as you carry out a high profile job that puts you at risk wherever you go Full professional support should you become a victim of a kidnap or ransom scenario War risk insurance Recent political upheavals have caught out many people who have found themselves stranded in war zones without proper cover. Bellwood Prestbury can provide war risk insurance, ensuring that you are properly covered in the event of political uprising, armed conflict or war. 9
Support when you need it most With you every step of the way From the minute you contact us about your requirements, to the o ent o ret rn o e, o ill nd no ledgeable, el l eo le ready to help ensure that you are properly covered and supported. We take our commitment to our clients seriously. We take time to understand your personal circumstances and the challenges you face, before we recommend the right cover. Should a claim need to be made, it can be a complex process at a challenging time. Our experienced team will help you through the process. We will make sure you know what you are covered for from the instant you need help We can liaise with the provider to ensure that you get fast access to whatever you may need, from emergency medical evacuation to repatriation to your home country We use our influence with insurers to speed up the claims process We ll maintain good communications with you until claims are fully settled To discuss your needs or to find out more about international insurance options for high risk occupations or challenging regions, please call our team on +44(0) 1242 584 558. 10
They were fast, professional and understood exactly what I needed. Alban Donohoe, albanpix.com Bellwood Prestbury in action: Alban Donohoe is a professional photographer who enjoys challenging assignments. He contacted Bellwood Prestbury before travelling to Afghanistan to spend three weeks embedded with the British Army, capturing life in the field. Bellwood Prestbury provided Personal Accident insurance that is valid in war and conflict zones, so that Alban was fully covered in the event of accidental death or permanent disability. Alban told us: The team at Bellwood Prestbury made it very easy for me to get the cover I needed and it gave me great confidence to know that I was properly covered in a potentially dangerous situation. Image courtesy of albanpix.com 11
Bellwood Prestbury Limited, 4 Imperial Square, Cheltenham, GL50 1QB, United Kingdom +44 (0) 1242 584 558 www.bellwoodprestbury.com Bellwood Prestbury Limited is registered in England no. 1100251. Authorised and regulated by the Financial Conduct Authority (www.fca.gov.uk). BPI001