It is vital that you have the correct specialist Chad insurance before beginning work or business operations in this troubled African country. The political and security situation remains extremely precarious and standard insurance will not generally provide adequate cover for such a high risk area.

Chad insurance – quick facts

  • A number foreign nationals have been kidnapped in eastern Chad – kidnap and ransom insurance may be advised
  • International health insurance in Chad is essential, along with cover for emergency evacuation
  • Road travel is hazardous due to poor conditions and the risk of hijacking

Get the right insurance for Chad


  • Specialist Chad insurance – can include protection for personnel, property, vehicles and equipment
  • From mining companies to individual contractors, we can cover all your business liabilities and help you to meet contractual and local insurance obligations

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  • Due to the risk to personal security, poor infrastructure and little health care access, specialist insurance is essential for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs, including kidnap and ransom

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Potential dangers in Chad

This large desert land can boast a cultural heritage born of 200 distinct ethnicities and a rich mineral wealth of oil, gold and uranium. Tragically it has been ravaged by civil war and political turmoil since independence from France in 1960, and consequently Chad remains one of the poorest and least developed of Africa’s nations. `It is also one of the most dangerous. Travel here is ill-advised without professional security arrangements and specialist Chad insurance that provides effective support in the event of serious injury, kidnap or worse.

Although inter-ethnic violence can erupt anywhere, the main pattern of conflict is between the mostly Christian and Animist south and the mostly Muslim north. In the east, along the Sudanese border, the humanitarian and security situation is especially grave due to the on-going conflict in Darfur. There are nearly 350,000 Sudanese and Central African refugees, and 100,000 internally displaced people living in these areas. The areas bordering Libya and the Central African Republic are also particularly unsafe, due to lawlessness and the presence of unexploded ordnance.

Infrastructure is poor to non-existent and even the capital, N’Djamena, is frequently without running water and electricity. Malaria is common, as are epidemics of waterborne disease such as cholera. Healthcare is minimal, so it’s critical that visitors have international medical insurance in Chad. Cover should include emergency medical evacuation by air ambulance to another country. Road travel is difficult and dangerous due to poor conditions and the risk of banditry. Flooding can leave many roads impassable during the rainy season from July to October.



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Latest advice from the FCO

The FCO advise against all travel to large parts of Chad and all but essential travel to all others. There is no British Embassy in Chad. There is a general threat from terrorism. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice