Whether an airline 'self-insures' its Personal Accident and Life liabilities or not an employee should make absolutely certain that they are fully aware of the extent or otherwise of the cover pertaining to them, including War Risk. If not already issued, as a part of the joining process, then an employee should be able to obtain, from their company's insurance department, full details of all benefits payable in the event of accident, disablement or accidental death and specifically any clauses that relate to operating in areas of known hostility. The main insurance market in London are the most reliable arbiters of what constitutes 'known hostility', rather than a company that chooses to self insure.