Chad Health Insurance

Feeling comfortable in the knowledge that if something was to happen to a family member their medical costs will be taken care of, is important to us all. Our expert consultants can advise on the most suitable level of coverage for families, individuals, groups, travelers, and teachers expatriate health insurance.

Expatriate Health Insurance Chad

Pacific Prime is an expatriate insurance broker specialising in providing overseas medical insurance for Chad nationals living, working or holidaying abroad. If you are a non Chad national and moving to Chad we can also provide plans that meet your specific requirements.

Professional Service you can trust

Pacific Prime Insurance will be with you for the duration of your policy. We offer additional customer services that include claims advice, emergency contact numbers and medical advice lines. We also maintain a comprehensive list of Chad hospitals/doctors. Most of our clients are expatriates so we maintain a list of Embassies in Chad.

As a leading broker of medical insurance in Chad we keep up on the latest insurance trends and Chad Insurance News.

We can offer expatriates in Chad dedicated international health insurance plans that will provide comprehensive coverage in the East and around the world. Plans that we can offer will usually have a number of benefits that a policyholder is able to tailor to suit their specific requirements. With coverage options including out-patient, dental, maternity, and emergency evacuation, you will be assured of receiving the highest levels of quality treatment anywhere in the world.

Chad Medical Insurance

Known as the “Dead Heart of Africa” due to its hot climate and landlocked geography, the Republic of Chad is one of the poorest nations in the world; its population of approximately 10 million is mostly made up of subsistence farmers, and the nations per capita GDP is around USD1,600. The recent discovery of oil has attracted multinational energy firms and has supplanted cotton as the nation’s top export; but the struggle for resources has also led to the undermining of Chad’s already unstable political situation, which has included several attempts to overthrow the government by force of arms in the 21st century alone. Chad consistently ranks among the most corrupt countries in the world.

Chad’s is largely a dry desert climate, although a tropical wet season lasts from May to October in the southern part of the country and from June to September in the savanna of the Sahel. The humidity brings an array of diseases associated with the tropics, including malaria and dengue fever. Demographically, Chad has been subject to a large number of refugees from neighbouring Sudan, exposing Chad to numerous health risks from this itinerant population.

Life expectancy at birth is an abysmally low 46 years for Chadian men and 47 for women, perhaps a result of very low health spending per capita of USD40, or approximately 3.6 percent of GDP for the country as a whole. Health care spending has doubled over the past decade, but is still approximately half of the already low regional average. And although HIV infection rates are below the regional average, at 35 per 1,000 adults (15 - 49 years old) they are about four and a half times the global average rate of infection.Tuberculosis, which has largely been eradicated from the developed world, affects nearly 0.6 percent of Chadians. Only about half of the population has access to improved drinking water sources. Infant and child mortality rates are shockingly high; nearly 20 percent of all live births do not reach age 5. Most of these are from preventable diseases such as diarrhoea, pneumonia and malaria. Furthermore, only about 6 percent of rural Chadian births are attended by a skilled health professional.

As one of the poorest countries in the world, Chad has very limited health care resources, with only 4 physicians per 100,000 population, just one sixth of the low regional average. This is complemented by 28 nurses and midwives per 100,000 people, which is clearly insufficient to support a country with such vast health care needs, particularly as 72 percent of Chadians live in sparsely populated areas outside of urban centres and transportation infrastructure is limited. Government expenditure makes up 54.1 percent of total health expenditure (THE), while private spending makes up the rest. However, 96.2 percent of private health expenditure is paid out of pocket, with only 0.4 percent of (PvtHE) coming from insurance companies and the remainder coming from non-profit entities, charities and non-governmental organisations (NGOs). The country is heavily reliant on humanitarian aid to cover a significant portion of its healthcare costs. Nearly 10 percent of total health expenditure in Chad comes from external funding from global organisations such as the World Health Organisation.

Visitors to Chad should be prepared by at minimum updating their routine immunisations, such as measles, mumps and rubella (MMR), diphtheria, pertussis and tetanus (DPT) and poliovirus vaccines. Hepatitis A & B, typhoid, rabies and yellow fever vaccines should also be updated propr to arrival in the country. Consult with a physician before your trip about the necessity of meningococcal vaccination depending on the time and destinations of your trip, as outbreaks of meningitis have occured in the region in recent years.

Malaria is widespread in certain parts of Chad. Insect repellent containing at least 50 percent DEET is recommended, as are long-sleeved clothing and bed nets. Antimalarial prescription drugs should be brought before arriving in Chad, due to the unreliability of local health care. Note that Chloroquine is not a reliable antimalarial in Chad, and Halofantrine should only be used in emergencies where no alternative treatment is available. Also, over the counter diarrhoea medicine, along with iodine tablets and water filters should be brought in order to cope with unreliable local drinking water. Latex condoms are advised before partaking in any forms of sexual intercourse to avoid transmission of HIV. Insect-borne disease, parasitic infection, avian influenza and even plague are not unknown in this region, precautionary measures are highly recommended.

While pre-travel vaccinations and other preparations are prudent and will improve peace of mind before a visit to Chad, the country’s extremely limited local health care means that extra precautions are required before making a trip. Currently, only two clinics, both in the capital city of N’Djamena, offer international standard medical care and both require advance membership and do not allow walk-in patients.

Due to the extremley low standards of healthcare within the country any expatriates within Chad who suffer from a serious illness or accident will most likely require evacuation overseas to receive medical treatment. As the costs of an emergency medical evacuation can be high it is reccomended that all foreign nationals within the country obtain some form of comprehensive Chad health insurance policy.

If Chad is on your itinerary, Pacific Prime is qualified to help you with any international, travel, or health insurance needs. Our qualified teams worldwide would be delighted to provide a no-cost consultation on what insurance options are available, whether you are traveling alone, with your family or with a tour group. The policies we offer cover a wide range of medical services including dental, maternity, specialist consultation, transportation, inpatient services, and many more. Please contact one of our advisers today for a free international health insurance consultation.