Archive · 1 Dec 2025
Insurance Coverage for Terrorism: What You Need to Know
After a recent blast near the Red Fort in Delhi, many people are wondering if their insurance policies cover terrorism.
Most term insurance policies do cover death due to terrorism, but there are exceptions for high-risk jobs or illegal activities.
Health insurance policies may cover hospitalisation from terror attacks, but you should check the exclusions.
Home insurance usually requires an add-on for terrorism coverage.
It's important to read your policy carefully and ask the insurer for written confirmation if you're unsure.
Some jobs, like military or security work, might be excluded or cost more.
Always check if your policy covers your specific location and profession.
Most term insurance policies cover death due to terrorism, except in high-risk professions or illegal acts.
Health insurance may cover hospitalisation from terror attacks, but check policy exclusions and definitions.
Home insurance typically requires a terrorism add-on; coverage may exclude high-risk zones and certain professions.
High-risk professions like military personnel or security contractors may be excluded or charged extra premiums.
Always verify policy wording and seek written confirmation from the insurer regarding terrorism coverage.
- Who
- Insurance buyers in India
- What
- Understanding insurance coverage for terrorism
- When
- After recent events like the blast near the Red Fort in Delhi
- Where
- India
- Why
- To avoid surprises at the time of claim and ensure adequate coverage
- Term Insurance
- Most term policies cover death due to terrorism, except in high-risk professions or illegal acts.
- Health Insurance
- Hospitalisation expenses from terror attacks may be covered, but check policy exclusions.
- Home Insurance
- Terrorism cover is usually an add-on; check for geographic and professional exclusions.
- High-Risk Professions
- Military personnel, security contractors, and others may be excluded or charged extra.
- Policy Verification
- Always seek written confirmation from the insurer regarding terrorism coverage.