Q. How much can I insure myself for?

A. Our policies offer options for cover between USD $50,000 and USD $500,000 lump sums in $50,000 blocks.

Q. How do I pick my sum insured?

A. This bit is really up to you, but people often consider things like outstanding loans and mortgages, children's school fees, how much income protection they receive from their employers and their home country or private medical and welfare programmes before picking their level of cover. We do not offer financial services planning and you should consult your own financial planner if you are in doubt about how much cover to buy.

Q. Cover is for loss of eyes, limbs and death from accident. What happens if I have a smaller injury like losing part of a finger?

A. Our Personal Accident insurance protects you against serious accidental injury and partial personal accident claims are not paid.

Q. Am I covered if I am shot or injured during civil riots by insurgents?

A. Our policies cover war and terrorism, but exclude claims arising from death, illness or injury caused by nuclear, chemical or biological weapons.

Q. How are my medical bills paid if I am treated in a foreign hospital?

A. Our underwriters have systems in place to manage bill payment and have the ability to guarantee payment of bills. The emergency service company will liase with the local doctors to help ensure the treatment that you get is appropriate.

Q. What if my condition is serious. How do I get home?

A. The emergency service provider will liase with your doctors abroad and arrange repatriation if necessary. Sometimes patients need to spend time in hospital to be stabilised before transportation and the emergency service will work to ensure that you are ready for any such trip.

Q. My condition does not necessitate emergency repatriation. Will the policy pay for me to return to my own doctors for treatment?

A. The insurance company will often only pay for repatriation if it is medically necessary. If it is safe and cheaper to treat you while you are still away then the underwriter will probably only pay the local medical bills.

Q. How am I paid if I have a less serious condition?

A. If you are laid low by a regular medical condition like a bad cold or a sprained wrist you may be required to pay the local doctor or outpatient treatment costs yourself and reclaim from the underwriter by completing a claim form and submitting receipts. Please see the How to Claim page for more information.

Q. Am I covered if I am shot or injured during civil riots by insurgents?

A. Our policies cover war and terrorism, but exclude claims arising from death, illness or injury caused by nuclear, chemical or biological weapons.

Q. Can I buy this cover on its own?

A. No, you must select the Medical Evacuation & Repatriation benefit and then the option to buy Political Evacuation cover will be offered.

Q. What does it cover?

A. Basically it provides emergency assistance should the region you are in suffer a dramatic change in political stability for the worse. Please read the policy wording for a full description of this cover.

Q. How do I claim?

A. The emergency service provider will liaise with you and arrange repatriation to a safe area if necessary. Please see the How to Claim page for more information and contact details.

Q. Who are Cerberus Special Risks?

A. Cerberus Special Risks is an online insurance broking company that specialises in providing complicated insurance products in a way that is easy for individuals and group buyers to understand. This website provides options for an important range of insurance policies that you should consider before going to work in potentially dangerous or violent territories.

Q. Can I buy a policy for a friend or relative?

A. No. it's very important that the person buying the policy reads and agrees to the terms and conditions before purchase.

Q. Who are the underwriters behind Cerberus Special Risks?

A. Our policies are underwritten by certain underwriters at Lloyd's of London. Lloyd's is the oldest recognised insurance market still functioning and they have been writing insurance risks in unstable territories for decades. Please follow this link to find out more about the Lloyd's market and how it operates: www.lloyds.com

Q. How do I make a claim?

A. You need to visit the How to Claim section of the website to find out what you need to do and details of our emergency service providers. These common questions and answers do not consider your personal circumstances. To ensure the Cerberus Special Risks policy suits your needs, please view the policy wording in detail.

Please read the policy wording for full terms and conditions of coverage.