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eGlobalHealth Insurers Agency, LLC ®
Special Risk War & Terrorism Insurance Programs
from certain Underwriters at Lloyds of London
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
®
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417-882-1413
Exclusive global risk brokerage & leading supplier of insurance to individual contractors & companies operating in Iraq, Afghanistan, Pakistan and other high risk zones around the Globe
Our Insurance Market:
Certain underwriters at Lloyds, London (A+ rated) - over 300 years old and the only insurer serious about covering "war and terrorism" insurance perils worldwide
Who we can help:
Individual or Independent Government Contractors, Groups, Foreign Nationals and many others -- just ask us. See list of HotSpots Worldwide we cover in side bar. Learn more...
Occupations / Locations we cover:
You name it, we can probably cover it !
All types of Security work, EOD, UXO, UXB, Construction / Survey Workers, Training programs, Consultants, Mine clearance, Police training, Journalists, Military Embedding Assignments, Convoy Truckers, Information Tech (IT), Electricians, Plumbers, and so much more... Learn more...
What risks do we quote :
In addition, we can quote Major Medical for sickness &/or Accident and Emergencies, Medical Evacuation and Repatriation programs and Kidnap & Ransom coverage.
HOT SPOTS WORLDWIDE
AFGHANISTAN
ALGERIA
ANGOLA
AZERBAIJAN
BURUNDI
CENTRAL AFRICAN REP.
CHAD
COLOMBIA
CONGO REPUBLIC
COTE D'IVOIRE
DEM. REPUBLIC OF CONGO
EGYPT
ERITREA
ETHIOPIA
GEORGIA (FORMER USSR)
GUATEMALA
GUINEA
HAITI
INDONESIA
IRAN
IRAQ
ISRAEL
WEST BANK (ISRAEL)
GAZA STRIP (ISRAEL)
JAMMU (INDIA)
JORDAN
KASHMIR (INDIA)
KENYA
KOSOVO
KUWAIT
KRYGISTAN
LEBANON
LIBERIA
MADAGASCAR
MALAYSIA
MOROCCO
NEPAL
NIGERIA
PAKISTAN
PHILIPPINES
QATAR
RUSSIA
RUSSIA -CHECHNYA
RWANDA
SAUDI ARABIA
SENEGAL
SIERRA LEONE
SOMALIA
SRI LANKA-NORTH & EASTERN PROVS.
SUDAN
SYRIA
TAJIKISTAN
THAILAND
TOGO
TURKEY
UGANDA
UZBEKISTAN
VENEZUELA
YEMEN
ZIMBABWE
News, Analysis & Commentary from the World of Private Security
eGlobalHealth supports the Wounded Warrior Project --
$2 Dollars from the sale of each copy of the Security Contracting Audiobook will be donated to the Wounded Warrior Project.
or visit our alternative special risk contractor site at
World-wide AD&D (accidental death & dismemberment) Insurance with benefit amounts from $100,000 to $20,000,000 or more . Available for aviation only, common carrier only, or 24 hour all risks. Policy periods from 1 to 365 days available. War and terrorism can be included, anywhere in the world including war zones. Subject to market support, Nuclear / Chemical / Biological events can also be covered with a Rider Option (limited in high risk zones).
Also, Now with Sudden Cardiac Arrest Rider Option. "Natural Causes" life coverage available only for one year term periods & may require medical underwriting.
Perfect for:
- USA Domestic and International Business or Leisure Travel
- War Risks / International Independent Contract Work with Department of Defense and any other public works or military works projects
- Supplemental personal accident life, medical and disability to DBA coverage...
Accidents - the unique hazard
Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow.
Accidents strike without warning !
Medical and disability insurance often fall short of covering the costs inherent with accidental bodily injuries and inadequately compensate for the specific losses of limb, sight, speech and hearing.
As an independent security contractor, why do I need to review supplemental accident life and disability insurance coverage ? DBA coverage is adequate, isn't it ?
Although the US Gov't mandates that your US based contract agency provide Defense Base Act Insurance (DBA), many in the industry feel that limits of coverage are too low based on income levels vs. the level of income and risk involved.
Established in 1941, the primary goal of the Defense Base Act was to cover workers on military bases outside the United States. The act was amended to include public works contracts with the government for the building of non-military projects such as dams, schools, harbors, and roads abroad. A further amendment added a vast array of enterprises revolving around the national security of the United States and its allies.
Under the DBA, injured workers are eligible to receive weekly benefits for time lost from work or lost pay. Further, if the injuries are to the extremities resulting in a permanent impairment, they can be entitled to receive permanent disability benefits.
DBA is essentially the equivalent of Workers Compensation and as such can be potentially limited to only covering you while on the job along with being limited in it's total scope of coverage, depending on the amount of income produced. Many feel they must supplement DBA to adequately be fully insured for any such catastrophic loss due to accidental death or dismemberment as weekly cap limits under DBA may not be sufficient.
What to do about the potential limitations of DBA coverage ?
High Limit Accidental Death & Dismemberment coverage, underwritten by Lloyds of London, provides that safety net of coverage to supplement your DBA plan through your contract work. Note that this special coverage not only covers you ON THE JOB but OFF THE JOB as well -- DBA could be potentially limited in this regard. Additionally, certain limits of coverage under DBA for Disability could be reached without coming close to providing the full amount of monthly income you may require, which typically needs to be at 65% of income. High Limit Accident Insurance with Accidental Permanent Total Disability as a Rider can ensure that you are fully insured for such catastrohic losses to you or your family.
- Benefits are payable in addition to any other plan
- Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident. Benefits will be paid on the presumption of death.
- Benefits may be taken in a single lump sum or in equal annual installments
- Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident
- War or acts of war and / or terrorism may be covered under this plan by applying for such and paying th additional premiums
We provide US and foreign national contractors with high limit accidental death, dismemberment, accidental permanent total disability, sudden cardiac arrest, War Risk/ Terrorism and Nuclear, Chemical and Biological exposure in all the major Hotspots worldwide, noted in our side bar listing of countries. Those in RED are the highest risk.
US Secretary of State Travel Warnings Listing Current and Up To Date
If you are reading this, you may have determined that you are not eligible for the Defense Base Act coverage provided by the US Gov't OR you wish to supplement emergency medical evacuation. Did you know that the US Military will transport / evacuate you, BUT they will send you the bill as well ! Additionally, DBA medical coverage is known to be very slow to respond in paying claims. These are just a few reasons to make sure you have War / Terrorism risk emergency medical evacuation / repatriation insurance.
Article: Iraq violence adds risk by Peta Miller
April 12, 2004
from the US State Department
from the US State Department
from the US State Department
