Sri Lanka Risk Assessment Country Guide

Expat Life in Sri Lanka

A key part of the ancient Silk Road, the island nation of Sri Lanka has emerged as a diverse, beautiful country, located in the Indian Ocean. More than 20 million people call Sri Lanka home, with an economy based on exports, although today it has expanded to include food processing, telecommunications and finance.

According to the UK Foreign & Commonwealth Office (FCO), there are several risks that could pose problems for expats and other foreign travelers visiting Sri Lanka. The political situation in the country is unstable at times, and severe weather can impact safety and security. There is also an active military presence in some regions.

Due to these concerns, it is advisable that you acquire proper international insurance coverage before traveling to Sri Lanka. Adequate protection will help reduce the financial impact of life abroad.

  • Health
  • Safety & Security
  • Terrorism

Before leaving your home country, you should contact your primary care physician to discuss any possible vaccinations or other preventative measures. In some places throughout Sri Lanka, medical facilities aren't of a similar standard to the US and UK. Emergency services aren't readily available outside major metropolitan areas, and treatment become expensive.

Clements Worldwide offers GlobalCare® health insurance 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 coverage extends your policy to include illness or injury caused by an act of war and terrorism.

In the event of serious injury or illness, medical transport to another location may be needed in order to receive proper 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 Sri Lanka.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political climate in Sri Lanka has the possibility of turning violent. You should take care to avoid all large gatherings, rallies or demonstrations. A large military conflict in the country ended in 2009, and since then some national sentiment has been anti-Western. 

Local travel may be impeded in some places throughout Sri Lanka. There is a heavy military presence in the Kilinochchi, Mullaittivu, Mannar and Vavuniya regions. Current demining operations are underway in the eastern part of the country, and part of Yala National Park in the south is closed to tourists.

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.

Road conditions throughout Sri Lanka are in severe disrepair. Drivers often behave erratically, and pedestrians and animals cross roads without warning.

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.

While the waters immediately surrounding Sri Lanka are relatively safe, the Indian Ocean and the Gulf of Aden present a high risk for piracy. A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

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 Sri Lanka.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is an underlying threat of terrorism in Sri Lanka. However, incidents were reported during the military conflict that ended in 2009. Security remains tense in some regions.

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 a Kidnap and Ransom insurance policy, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and thearrangement 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 Sri Lanka.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions