Updated on 16 September 2026 ·
source checked daily
DR Congo — official level as of 16 September 2026: Level 4/4 ("Do Not Travel"), from the U.S. Department of State. Maximum Insurance covers this country: hospital settled directly, unlimited repatriation, CHF 1.5M, certificate on payment.
Four official readings
United StatesState Departmentsource ↗Our reference level — the one shown across this site
Is the whole country advised against?Yesthe whole country is formally advised against
Level 4/4 — “Do Not Travel”
FranceFrance Diplomatiesource ↗Added on top of the U.S. level, under its own rules: red or orange AREAS
Is the whole country advised against?Nono restriction on the whole country+ red areas
our reading: some areas are classified red (formally advised against)
United KingdomFCDOsource ↗Added on top of the U.S. level, under its own rules: travel statuses
Is the whole country advised against?Nono restriction on the whole country+ parts of the country
our reading: all travel advised against to parts of the country · all but essential travel advised against to parts of the country
source reviewed 26 August 2026
SwitzerlandFDFAsource ↗Advisory cited by the Maximum policy
Is the whole country advised against?Except for imperative reasonsthe whole country is advised against, unless the reason is imperative
our reading: Switzerland’s FDFA advises against tourist travel
advice published 05.06.2026
These readings do not say the same thing. The United States says yes; Switzerland says except for imperative reasons; France and the United Kingdom say no — a 2-band gap on our comparison scale.Our comparison reading: 15 September 2026
Every country has its own scale, so we ask them all the same question: is the whole country advised against?
An advisory covering only areas of the country does not raise the answer: it stays “No”, and the area is shown in the relevant column.
The level shown on this page — and across this site — is the one published by the U.S. State Department, from 1 (normal precautions) to 4 (do not travel). France and the United Kingdom publish their own advisories, with their own rules: they add to that level, they do not replace it.
120 recorded incidents (UCDP)hover, click to open it in the briefing
Level 4/4 — Do Not Travel
Checked on 16 September 2026 · U.S. State Department
Observed repatriation
45 000 € – 140 000 €
Country briefing
Get the PDF
The comparator
What is your current insurance?
The verdict
Your Amex Platinum expressly excludes this trip: the T&Cs rule out travel to countries your government has advised against visiting.
Exact wording (official French text): « Des Voyages vers des pays où Votre gouvernement a conseillé de ne pas voyager » — general exclusion n° 11, applying to ALL travel covers.
Observed repatriation cost — 45 000 € – 140 000 € by severity and distance (Diversified Quotes, 2026).
Travel covered
What the Pack VIP covers — including DR Congo
Emergency medical expenses — CHF 1.5M
Medical evacuation & repatriation — unlimited
Hospitalisation — direct payment guarantee
Visa certificate (incl. Schengen) — nominative, issued on payment
$990 for twelve months, unlimited trips — or $99/month.
Conflict-zone extraction and Kidnap & Ransom fall under the Pack VIP Extreme (GC art. 18.4), with dedicated crisis management — these two guarantees are granted ✦ subject to eligibility.
Travelling only once? Below three trips a year, this contract is probably not for you.
Where, exactly?
What the national level does not tell you
The level is national. Risk areas are in the state advisories below.
U.S. State Department — the full advisory details the regions concerned and the reasons (crime, terrorism, kidnapping, civil unrest)
(read the advisory)
Foreign, Commonwealth & Development Office (United Kingdom) — the United Kingdom advises against all travel to PARTS of the country and advises against all but essential travel to parts · reviewed 26 August 2026 Last announced change : « Addition of information that protests are planned in Kinshasa on 15 September 2026 ('Safety and security' page). » (read the advisory)
France Diplomatie — France classifies SOME AREAS of the country as red (travel formally advised against) — the advisory is geographic, check it for your exact destination (read the Security advisory)
No major event in progress is located in this country at this morning's check.
What happened, and where
Over 1 January 2026 → 30 June 2026, UCDP (Uppsala University) recorded 216 geolocated violent incidents in this country, for 1,223 documented deaths.
Most affected areas Nord Kivu province 88 · Ituri province 60 · Sud Kivu province 51 · Haut-Uélé province 4 · Kinshasa province 3 · Bas-Uélé province 2
Most recent incidents
29 June 2026 · Nord Kivu province · Bibwe location Violent clashes between M23 and Wazalendo in Masisi and Kalehe;Congo War Security Review: July 3, 2026;The coalition forces of the #Kinshasa regime · 1 deathSource: Radio Okapi;Critical Threats;@M23_ARC on X · 1 July 2026 · Civil society, local sources, M23 · UCDP #633940 ↗
27 June 2026 · Nord Kivu province · Luke town North Kivu: FARDC–Wazalendo coalition progresses towards Ngungu and Rubaya;Update on the War Imposed by the Kinshasa Regime 27 June 2026Source: Radio Okapi;@LawrenceKanyuka on X · 29 June 2026 · M23, local sources · UCDP #633700 ↗
26 June 2026 · Nord Kivu province · Bibwe location North Kivu: FARDC–Wazalendo coalition progresses towards Ngungu and Rubaya;Update on the War Imposed by the Kinshasa Regime 27 June 2026Source: Radio Okapi;@LawrenceKanyuka on X · 29 June 2026 · M23, local sources · UCDP #633707 ↗
23 June 2026 · Sud Kivu province · Minembwe town Violents affrontements entre les FARDC et le groupe armé Twirwaneho à Minembwe sur fond de crise humanitaire;Congo War Security Review: June 26, 2026 Source: Radio Okapi;Critical Threats;Kivu Morning Post;Kivu Morning · 27 June 2026 · CT, M23 · UCDP #634182 ↗
23 June 2026 · Nord Kivu province · Kiseguru village At least two dead and 10 people abducted in 48 hours in Rusthuru (NGO);#Rutshuru: A Woman and Her Child Killed by #M23 Rebels in Her Field Near Kisegu · 2 deaths(range 0–2)Source: Radio Okapi;@michombero on X;La Prunelle DRC · 26 June 2026 · @michombero on X, local sources, local humanitarian organizations · UCDP #633568 ↗
22 June 2026 · Sud Kivu province · Bidegu I (Itombwe secteur) Congo War Security Review: June 26, 2026 ;UPDATE ON THE WAR IMPOSED BY THE KINSHASA REGIME June 23, 2026;UPDATE ON THE WAR IMPOSED BY THE #KINSHASA RSource: Critical Threats;@LawrenceKanyuka on X;@M23_ARC on X · 26 June 2026 · M23 · UCDP #633538 ↗
Source: UCDP Georeferenced Event Dataset (Uppsala Conflict Data Program), file GEDEvent_v26_01_26_06.csv, CC BY 4.0 licence. We keep only incidents UCDP codes as "Clear" and whose location is precise enough to be placed — about 58% of the dataset. An incident may be revised, moved or withdrawn by UCDP in a later release: these figures describe a closed period, not a live situation.
What we do locate on the map are events in progress — earthquakes and disasters reported by USGS and GDACS (UN / European Commission), which do have real coordinates. Hover a dot for details, click to open it in this briefing.
What is happening in DR Congo right now
Live alerts and level changes, each with its official source. Continuously updated.
No level change recorded for this country since the log opened. The live alerts above are updated continuously.
Level 4/4: in an emergency our assistance desk names the facility. The list below is OpenStreetMap, not a partner network. What public sources give around Kinshasa: hospitals and clinics, nearest evacuation airport. In an emergency, one reflex: +41 22 ••• •• ••.
The closest to the city centre is Hôpital CMOA Force Navale, 0.8 km away. A medical evacuation would depart from Aéroport de Ndolo (NLO), 1.8 km from Kinshasa.
🏥 Medical network — Kinshasa
Hôpital CMOA Force Navaleemergency department0.8 km from the centre of Kinshasa
Bribano Medicalemergency department0.9 km from the centre of Kinshasa
Centre Hospitalier Allianceemergency department1.0 km from the centre of Kinshasa
CPN Canadienemergency department1.7 km from the centre of Kinshasa
Centre Médical DGDAemergency department2.3 km from the centre of Kinshasa
Centre Médical DGDAemergency department2.3 km from the centre of Kinshasa
Centre d'hémodialyseemergency department2.4 km from the centre of Kinshasa
HJ Hospitals Limeteemergency department2.7 km from the centre of Kinshasa
✈️ Aéroport de NdoloNLO1.8 kmNearest evacuation airport from Kinshasa — unlimited medical evacuation and repatriation included.
💱 Currency: CDF FC · 🗣 Language: French, Kikongo In an emergency from Kinshasa, your reflex remains +41 22 ••• •• •• — Full number in your client area.
None of these facilities is a Maximum Insurance “partner”, and none is presented as waiving upfront payment: this list is a reading of public map data, nothing more. A direct payment guarantee is arranged CASE BY CASE by our assistance desk, facility by facility and when the need arises — one number, +41 22 ••• •• ••.
Frequently asked questions — travel insurance DR Congo
What is the official risk level in DR Congo today?
Level 4/4 ("Do Not Travel") according to the U.S. Department of State, retrieved on 16 September 2026. Maximum Insurance checks this official source every day.
What does Maximum Insurance do in DR Congo?
The Pack VIP ($990 for twelve months, unlimited trips) covers CHF 1.5M emergency medical expenses, unlimited evacuation and repatriation, the direct payment guarantee in hospital, and a nominative certificate in the format visa applications require, Schengen included. The Pack VIP Extreme adds crisis management & security and Kidnap & Ransom (subject to eligibility).
How much does a medical repatriation from DR Congo cost?
Observed costs range from 45 000 € to 140 000 € depending on severity and distance (Diversified Quotes, 2026). The Pack VIP covers evacuation and medical repatriation without cap, settled directly by the insurer.
Do I need an insurance certificate for a DR Congo visa?
Many consulates require proof of international medical cover before issuing a visa — Schengen included for non-European travellers. Maximum Insurance issues the official named certificate on payment, accepted for these procedures.
What should I do if hospitalised in DR Congo?
One reflex: call +41 22 ••• •• •• (24/7). Within our worldwide medical network — 45,000 medical providers — the insurer sends its direct payment guarantee: the hospital is settled directly, no deposit advanced by the traveller.
Is an Amex, Visa or Mastercard enough in DR Congo?
These are travel-insurance options, with a public notice. At level 4/4 (Do Not Travel), several notices rule the trip out (Amex, exclusion no. 11; Mastercard Fortuneo, art. 5.5). Below that, the area exclusion generally does not apply — 90 days max, reimbursement afterwards, no visa certificate remain. The VIP Pack runs 12 months, pays the hospital, and issues the certificate on payment.
Are a health plan or a travel policy enough in DR Congo?
A health plan treats you at home: the hospital here asks for a guarantee before admission. A travel policy has its own terms — often a territorial clause at level 4/4, and 90 days. Without the document (IPID number or PDF), we cannot say. Ask a Maximum Insurance expert to call you back.
Travelling to Kinshasa, Lubumbashi: what changes
The published advisory level is national, but risk is not: business hubs (Kinshasa, Lubumbashi) do not share the profile of border areas. The medical network shown on this page is computed around Kinshasa — real hospitals, evacuation airport and live alerts. Before a specific trip, always cross-check your country of residence's advisory: that is what your policy cites.
The displayed level comes from the State Department, checked every morning. Before departure, always cross-check your country of residence's advisory: that is what your policy cites.
The level shown is the official U.S. Department of State level, checked daily. Maximum Insurance is an insurance distributor — general information, not personal advice.