I imagine it would depend almost entirely on the wording in the PDS. If the insurer uses a term like "war zone" they should be defining it somewhere. Otherwise, contact them for clarification on the specific regions you're travelling too.
That said, none of the insurers I've looked at use the term. They only talk about harm caused by war or military activities, often in very similar terms:
We will not pay under any circumstance if [...] your claim arises from any act of war, whether war is declared or not or from any rebellion, revolution, insurrection or taking of power by the military.
We will not pay for [...] a loss that arises from any act of war (whether war is declared or not) or from any rebellion, revolution, insurrection or taking of power by the military.
We will not cover any loss or damage as a result of, or caused by [...] war or warlike activities, invasion, acts of foreign enemies, civil war, revolution, insurrection or act of a military power
Assuming I'm interpreting these correctly, they would still cover you in regions with conflict, so long as your loss/injury/etc wasn't caused by the conflict itself.
You really need to check these details with the insurer themselves though. It doesn't matter what I, Wikipedia or Smart Traveller think, only what you get in writing from your insurance provider.