The current Middle East conflict has disrupted air travel in the region, leaving many travellers concerned about delays, cancellations, and insurance claims. While travel insurance offers valuable protection, it is important to understand how coverage applies during such events. Here’s a clear breakdown - along with how digital tools can help you stay updated.
What is the current situation?
The ongoing regional conflict affecting travel in Bahrain, Qatar, UAE, Kuwait, Lebanon, Iraq and Jordan has resulted in:
- Temporary airspace closures
- Flight cancellations and diversions
- Schedule disruptions by global airlines
Airports, including Dubai International Airport and Zayed International Airport are experiencing operational changes.
Why are conflict-related losses excluded?
Travel insurance is designed to protect individuals against unforeseen personal risks such as illness, accidents, or baggage issues. However, losses arising from geopolitical events fall under the War Exclusion Clause.
This clause excludes any loss arising directly or indirectly due to:
- War or hostilities
- Civil unrest
- Military action
- Government travel bans or restrictions
What is not covered in the current situation?
If your travel is disrupted due to the conflict, the following are not admissible:
- Trip cancellation
- Trip interruption or curtailment
- Flight cancellation or delay
- Missed connections
- Hotel stays due to airline disruptions
- Baggage delay caused by airport shutdown
- Medical treatment for injuries directly caused by war
Flights cancelled in India due to Middle East airspace restrictions fall under this exclusion.
What remains covered?
You remain covered for emergency medical expenses that are not linked to the conflict, such as:
- Sudden illness
- Accidental injuries unrelated to unrest
- Emergency hospitalisation for non‑conflict conditions
Medical coverage applies as long as the cause is not connected to the conflict.
Already travelling? Extend your policy
If your return is delayed and your policy is about to expire, extend your policy to maintain medical protection.
You can extend through:
- The IL TakeCare App
- ICICI Lombard website
- Customer Care
- Your agent
Stay updated with Flight Tracking on the IL TakeCare App
During travel disruptions, real-time information can reduce stress and help you plan better. The IL TakeCare App includes a Flight Tracking feature that allows you to:
- Monitor real-time flight status
- Check delays and cancellations
- Track schedule changes instantly
- Stay informed while on the move
Final takeaway
Travel insurance continues to protect you against unexpected medical emergencies. However, losses caused by conflict-related events, airspace closures, or government restrictions remain excluded under policy terms.
Understanding your coverage and staying informed can help you navigate disruptions with more clarity and confidence.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.