Bangladesh Risk Assessment Country Guide

Expat Life in Bangladesh

Bangladesh is one of the poorest countries in the world, and faces a number of political and social hurdles. The country is vulnerable to corruption, poverty, instability, overpopulation and severe weather, due to its location in the Bengal Delta.

Rigorous international insurance is vital prior to traveling to Bangladesh. Given these risks, the UK Foreign & Commonwealth Office (FCO) recommends acquiring adequate travel and medical coverage. The Foreign and Commonwealth Office further advises against all but essential to the Chittagong Hill Tracts, near Burma.

The political situation in Bangladesh is extremely volatile. Violent incidents are common, and you should expect your day-to-day business may be interrupted while living in the country. The nation can also be susceptible to cyclones and flooding, so you should monitor weather reports prior to making travel arrangements. 

On July 10, 2016, the State Department issued a travel alert on the ongoing potential for extremist violence in Bangladesh. Reports suggest that terrorist attacks could occur against foreigners in Bangladesh, especially in large gatherings.Travelers to Bangladesh are urged to exercise appropriate caution and maintain a high level of vigilance in light of recent violent attacks.

  • Health
  • Safety & Security
  • Terrorism

Medical facilities are in poor condition in Bangladesh and it may be difficult to gain access to routine tests or x-rays while in the country. Therefore, you should make sure to consider acquiring the appropriate medical coverage in order to manage the costs of healthcare while abroad.

Before leaving for Bangladesh, you may want to discuss all possible vaccinations and other preventative measures with your primary care physician. 

Clements Worldwide offers International Health Coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables flexible payment plans, choice of deductible and optional War and Terrorism coverage. This extends your policy to include illness or injury caused by an act of war and terrorism.

While in Bangladesh, you may need to travel in order to reach acceptable levels of care. A Medical Evacuation and Repatriation Insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Bangladesh.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political situation in Bangladesh is extremely unstable. Violence is common, and demonstrations and rallies can often escalate quickly. Incidents have been reported where explosives and firearms were used. You should avoid all such gatherings, including civil unrest, general strikes called hartals and other demonstrations.

Since February 2013, tensions between the Awami League-led Government and the Bangladesh Nationalist Party have led to violent encounters. Road, rail and waterways have been blockaded, and both property and public transport have been attacked, leading to hundreds of deaths.  

In 2010, clashes between ethnic groups in the Chittagong Hill Tracts have led to multiple fatalities. In 2011, a gun fight between political groups resulted in at least five deaths.

A Personal Accident Insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Travel across Bangladesh can be dangerous. Road conditions are poor, and overall safety standards are substandard. Be wary of reckless driving, and many people speed, disobey traffic rules and overtake aggressively. There is often heavy traffic, and urban areas can be chaotic. 

Clements offers International Car Insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Acts of piracy have also been reported near the waters of Bangladesh. A Maritime Security Insurance policy ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

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Since September 2015, Bangladesh has experienced a series of increasingly sophisticated violent attacks.

On July 7, 2016, militants used homemade explosives and guns to attack policemen guarding an Eid al-Fitr prayer gathering in Sholakia. Three people were killed and 13 others were injured in the attacks.

On July 1, 2016, attackers targeted a restaurant popular with foreigners in Dhaka’s diplomatic enclave, killing 24 people including one U.S. citizen. Daesh (ISIL/ISIS) and Al Qaeda in the Indian Subcontinent (AQIS) claimed the attacks against religious minorities, security forces, publishers, and bloggers continue to occur throughout the country.

On April 7, 2016, three motorcycle-riding assailants hacked and shot to death a student opponent of radical Islam as he was walking with a friend along a street in Bangladesh's capital, police said Thursday. The victim is 28-year-old blogger, Nazimuddin Samad. Al-Qaeda in the Indian Subcontinent claimed responsibility for the attack.

On December 25, 2015 in Rajshahi, a suicide bomber detonated an explosive killing himself and injuring up to a dozen members inside an Ahmadiyya mosque.

A War and Terrorism Insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides Kidnap and Ransom Insurance, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in Bangladesh.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions