Chad Insurance

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.

Official risk ratings

Accident and Evacuation <span class="icon" data-icon="star4"></span>
Kidnapping and Ransom <span class="icon" data-icon="star3"></span>
Political Risk <span class="icon" data-icon="star4"></span>

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

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Potential dangers of doing business in Chad

This large land-locked African nation with desert lands to the north and more fertile regions in the south 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. Armed rebel groups are active and tensions remain high across the country. 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.

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 you have high-risk 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.

The FCDO reports that terrorists are very likely to try to carry out attacks in Chad. Attacks could be indiscriminate, including in places visited by foreigners. There’s a threat of retaliatory attacks following the French intervention in Mali and due to Chad’s involvement in the regional fight to counter Boko Haram.

There is a heightened threat of kidnap in Chad, and we recommend you consider Kidnap & Ransom insurance for anyone you are sending here to work. Protecting any contractual arrangements with Trade and Political Risk insurance is also highly recommended.

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High-risk Countries

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Advice from the FCDO

The Foreign Commonwealth & Development Office (FCDO) in the UK regularly updates its advice to British travellers about immediate risks.