Some B737-800 operators in Shenzen, China are providing quite high and acceptable accident and medical insurance in spite of "LOW RISK" operation enviroment:
Donghai Airlines, China
Insurance: Donghai will provide accident insurance for pilot with 1.5 million USD, , and medical insurance with 0.5 million USD
Considering some combat zones flydubai is flying, the management should revise the insurance and medical policy upwards with no additional cost for the drivers and offer commuting opportunity.