Top 10 Insurance Companies in Tanzania for Expats
The top 10 insurance companies in Tanzania for expats are AXA, Bupa, Allianz, Cigna, William Russell, VUMI, IMG, NOW Health, David Shield, and GeoBlue. Expats can get the insurance they need from these companies while they are in Tanzania.
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If you’re interested in relocating to Tanzania, or are currently living in Tanzania, this article will help inform your decision on which insurer to choose for your stay. You can also count on our free broker assistance.
In this Pacific Prime article, we will look at the best health insurance plans for expats in Tanzania, give you the lowdown on a few plans from the top health insurance providers, and show you how to collaborate with a broker to find the plan that works best for your budget and needs.
The Top Health Insurance Companies in Tanzania for Expats
AXA, Bupa, Allianz, Cigna, William Russell, VUMI, IMG, Now Health, DavidShield, and GeoBlue are known as the best health insurance companies in Tanzania for expats. These companies ensure that expats live and work worry-free abroad.
Here are the insurers that we have listed for your convenience:
- AXA: Provides a range of health insurance options that include coverage for both inpatient and outpatient treatments, as well as medical evacuation and preventive care.
- Bupa: Well-known for its all-inclusive health insurance plans that cover dental care and medical evacuations, as well as having high annual limits.
- Allianz: Offers a variety of plans, from the most basic to the most comprehensive, covering inpatient and outpatient treatments on a global scale.
- Cigna: Well-known for its flexible health insurance plans that can be customized to suit the unique requirements of expats.
- William Russell: Offers worldwide health insurance that includes dental treatment, medical evacuation, and full coverage for medical emergencies.
- VUMI: offers comprehensive medical coverage, evacuation and repatriation services, and international assistance to individuals and families living abroad.
- IMG Global Insurance: The international health insurance plans designed for expatriates by IMG Global Insurance include coverage for medical expenses, emergency evacuations, and wellness programs.
- NOW Health: The worldwide reach and excellent customer service of NOW Health International have made it a household name.
- DavidShield: Provides international health insurance with customizable plans, extensive coverage, and first-rate support services designed specifically for foreign nationals living abroad.
- GeoBlue: Offers medical evacuation, inpatient and outpatient coverage, and worldwide health insurance plans.
1. AXA for Expats
AXA offers a variety of international health insurance plans suitable for expatriates, including Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. These plans cover medical treatments, dental care, and emergency evacuation services.
AXA’s health insurance plans are listed as follows:
Foundation Plan
- Annual Limit: USD $160,000
- Coverage: Inpatient hospital charges and surgeries, emergency care, medical evacuation and repatriation, cancer treatments, ambulance transport, optional outpatient treatment, and drugs.
Standard Plan
- Annual Limit: USD $1,600,000
- Coverage: All Foundation plan benefits, plus dental care (excluding check-ups), a higher annual limit, optional outpatient treatment, and drugs.
Comprehensive Plan
- Annual Limit: USD $2,400,000
- Coverage: All Standard plan benefits, plus coverage for chronic conditions, eye tests and prescription glasses, outpatient treatment, tests, and vaccinations.
Prestige Plan
- Annual Limit: USD $3,200,000
- Coverage: All Comprehensive plan benefits, plus routine pregnancy care, annual health checks, and a higher annual limit.
Prestige Plus Plan
- Annual Limit: USD $8,000,000
- Coverage: All Prestige plan benefits with the highest annual limit offered by AXA.
2. Bupa for Expats
Bupa Global provides extensive international health insurance plans that include coverage for medical care, dental, maternity, mental health, and emergency evacuations. They offer a wide global network and exceptional customer support, making them an excellent choice for expats.
Here are the plans offered by Bupa Global Health Insurance:
Select Global Health Plan
- Annual Limit: USD $1,587,100
- Coverage: Health screenings and wellness checks (after a waiting period), medical evacuation.
Premier Global Health Plan
- Annual Limit: USD $2,380,600
- Coverage: Worldwide coverage, health screenings, wellness checks (after a waiting period), vaccinations, dental, and optical coverage.
Major Medical Global Health Plan
- Annual Limit: USD $3,174,200
- Coverage: Worldwide coverage, medical evacuation, sudden unexpected emergencies, major medical expenses, and repatriation.
3. Allianz for Expats
Allianz provides a range of health insurance plans with global coverage, including Essential, Classic, and Premier options. These plans encompass inpatient and outpatient treatments, dental care, and medical evacuations. Allianz is renowned for its broad network and dependable customer service.
Here are the plans offered by Allianz Global:
Allianz Care Plan
- Annual Limit: USD $2,500,000
- Coverage: Semi-private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient treatment.
Allianz Care Plus Plan
- Annual Limit: USD $4,000,000
- Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient, and dental treatment.
Allianz Care Pro Plan
- Annual Limit: USD $5,000,000
- Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient, dental treatment, preventive surgery, and laser eye treatment.
4. Cigna for Expats
Cigna offers flexible health insurance plans in tiers like Silver, Gold, and Platinum, featuring comprehensive benefits such as medical evacuation, routine check-ups, dental care, and vision care.
Here are the health insurance plans offered by Cigna abroad:
Silver Health Insurance Plan
- Annual Limit: USD $1,000,000
- Coverage: Inpatient and outpatient care, cancer treatment, mental health care up to $5,000, private hospital rooms, transplant services, and palliative care.
Gold Health Insurance Plan
- Annual Limit: USD $2,000,000
- Coverage: All Silver plan benefits, plus routine maternity care up to $7,000, pregnancy complications and newborn care, advanced imaging, rehabilitation services, home nursing, obesity treatment, and congenital conditions care.
Platinum Health Insurance Plan
- Annual Limit: Unlimited
- Coverage: All Gold plan benefits include most services covered in full, including inpatient and outpatient care, comprehensive cancer care, full mental and behavioral health care, and routine maternity inpatient care up to $14,000.
Close Care Health Insurance Plan
- Annual Limit: USD $500,000
- Coverage: Core medical benefits, cancer care, and semi-private rooms for inpatient and outpatient care, emergency hospitalization for short trips up to $40,000. This plan does not include medical evacuation, maternity care, or travel safety services.
5. William Russell for Expats
William Russell offers specialized health insurance for expatriates with plans like Bronze, SilverLite, Silver, and Gold, covering medical expenses, maternity care, dental care, and emergency medical evacuations.
William Russell offers the following health insurance plans:
Bronze Plan
- Annual Limit: USD $1,500,000
- Coverage: Semi-private rooms with an option to upgrade to a private room, full coverage for hospital treatment, parent accommodation, advanced diagnostic tests, and local ambulance services.
SilverLite Plan
- Annual Limit: USD $1,500,000
- Coverage: Semi-private rooms with an option to upgrade to a private room, full coverage for hospital treatment, parent accommodation, advanced diagnostic tests, and local ambulance services up to USD $1,600.
Silver Plan
- Annual Limit: USD $2,500,000
- Coverage: Private rooms as standard, full coverage for hospital treatment, parent accommodation, advanced diagnostic tests, local ambulance services, and a hospital cash benefit of up to USD $200 per night for a maximum of 60 nights.
Gold Plan
- Annual Limit: USD $5,000,000
- Coverage: Private rooms, full coverage for hospital treatment, parent accommodation, advanced diagnostic tests, local ambulance services, and a hospital cash benefit of up to USD $350 per night for a maximum of 60 nights.
6. VUMI for Expats
VUMI (VIP Universal Medical Insurance Group) provides a variety of international health insurance plans for individuals and families, offering comprehensive coverage options.
Listed below are the various VUMI international health insurance plans:
Elite Care
- Annual Limit: USD $8,000,000
- Coverage: Comprehensive global health insurance, including physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, emergency evacuation, repatriation, and worldwide assistance services.
Prestige Care
- Annual Limit: USD $5,000,000
- Coverage: Extensive coverage for major medical expenses, preventive care, wellness benefits, physician visits, hospitalization, surgery, lab tests & X-rays, and access to an international healthcare provider network.
Select Care
- Annual Limit: USD $3,000,000
- Coverage: Essential medical coverage includes physician visits, hospitalization, surgery, lab tests & X-rays, outpatient care, and emergency services, with a focus on robust coverage and manageable premiums.
Secure Care
- Annual Limit: USD $2,000,000
- Coverage: Security-focused plan covering emergency medical care, inpatient and outpatient services, physician visits, hospitalization, surgery, lab tests & X-rays, and medical evacuation.
Essential Care
- Annual Limit: USD $1,000,000
- Coverage: Basic but comprehensive medical coverage, including physician visits, hospitalization, surgery, lab tests & X-rays, outpatient care, and emergency services, ideal for those seeking affordable health protection.
7. IMG Global for Expats
IMG Global Insurance offers tailored international and travel health insurance plans for individuals, families, and businesses. Their plans cater specifically to the needs of expatriates, providing comprehensive coverage options.
Here are the health insurance plans from IMG:
Bronze Plan
- Annual Limit: USD $1,000,000
- Coverage: Physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
Silver Plan
- Annual Limit: USD $5,000,000
- Coverage: Physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
Gold Plan
- Annual Limit: USD $5,000,000
- Coverage: Full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
Platinum Plan
- Annual Limit: USD $8,000,000
- Coverage: Full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
8. NOW Health International for Expats
NOW Health International offers global health insurance plans with comprehensive coverage for medical care, emergency evacuation, and wellness programs. Their international network and strong customer service support are particularly beneficial for expats in Tanzania.
Here are the health insurance plans from NOW Health International:
WorldCare Essential
- Annual Limit: USD $3,000,000
- Coverage: Ideal for major in-patient medical events, this plan also offers coverage for both in-patient and out-patient care at an affordable rate.
- Note: Home country coverage excludes the USA.
WorldCare Advance
- Annual Limit: USD $3,500,000
- Coverage: Covers all types of medical care, including in-patient, out-patient, primary care, and specialist visits.
- Note: Home country coverage excludes the USA.
WorldCare Excel
- Annual Limit: USD $4,000,000
- Coverage: Offers superior benefits for in-patient, out-patient, and day treatments, including basic and advanced dental treatment after a nine-month waiting period.
- Note: Home country coverage excludes the USA.
WorldCare Apex
- Annual Limit: USD $4,500,000
- Coverage: The most comprehensive plan, covering in-patient, out-patient, routine maternity care, and more, surpassing the benefits of the WorldCare Excel plan.
- Note: Home country coverage excludes the USA.
9. DavidShield for Expats
DavidShield plans cater to the varied needs of expatriates and international travelers, ensuring access to quality healthcare services worldwide. They provide comprehensive coverage for physician visits, surgeries, and specialist visits abroad.
Here are the international health insurance plans provided by DavidShield:
DavidShield Compact
- Annual Limit: USD $1,000,000
- Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, and partial coverage for specialist visits.
DavidShield Comfort
- Annual Limit: USD $3,500,000
- Coverage: Covers physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
DavidShield Premium
- Annual Limit: USD $5,000,000
- Coverage: Provides full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.
10. GeoBlue for Expats
GeoBlue is a top provider of international health insurance, tailored for global travelers, expatriates, and international students. Their wide network of providers and reliable customer service make GeoBlue a preferred choice for those living or traveling abroad.
Here are the international health insurance plans provided by GeoBlue:
Xplorer Essential Plan
- Annual Limit: Unlimited
- Coverage: Comprehensive medical benefits for inpatient and outpatient care, emergency medical evacuations, and prescription drug coverage. Ideal for expatriates seeking extensive health coverage abroad.
Xplorer Premier Plan
- Annual Limit: Unlimited
- Coverage: Includes all benefits of the Xplorer Essential Plan, plus additional coverage for preventative care, mental health services, and wellness programs. Provides extensive health coverage for those seeking premium benefits.
Navigator Plan
- Annual Limit: Unlimited
- Coverage: Designed for international students and faculty, this plan covers medical care for inpatient and outpatient services, emergency medical evacuations, and repatriation. Ensures students and educators are well-protected while abroad.
Voyager Choice Plan
- Annual Limit: Based on selected options
- Coverage: Tailored for short-term travelers, this plan includes emergency medical care, hospital stays, and medical evacuations. Ideal for individuals taking short trips outside their home country.
The Importance of Consulting an Insurance Broker
Seeking assistance from an insurance broker can be highly beneficial when navigating the complexities of health insurance. Brokers possess expertise that can ensure you obtain adequate coverage and have your claims properly processed.
The key advantages of working with an insurance broker include:
- Policy Clarification: Brokers can clearly explain the details of various insurance policies, helping you make informed decisions to maximize the benefits you receive.
- Tailored Coverage: Brokers can assist in finding health insurance plans that are specifically tailored to your unique needs and financial constraints, ensuring you receive personalized and budget-friendly coverage.
- Policy and Claim Support: Collaborating with a broker provides invaluable help with filing claims, policy renewals, and managing essential paperwork with insurers.
- Post-Sale Assistance: The ongoing after-sales support provided by brokers is crucial. You can rely on them for assistance with any health insurance-related queries throughout your stay.
- Local Expertise: Brokers have deep knowledge of the local insurance market, regulations, and healthcare providers. This allows them to recommend insurance plans that align with your specific healthcare requirements and preferences.
Frequently Asked Questions
What are the top 10 insurance companies for expats in Tanzania?
The top 10 insurance companies for expats in Tanzania are AXA, Bupa, Allianz, Cigna, William Russell, VUMI, IMG, NOW Health, DavidShield, and GeoBlue. These providers offer comprehensive health insurance plans with coverage for inpatient and outpatient coverage.
What types of coverage do these insurance companies provide?
The insurance plans from the top companies in Tanzania allow for customization to fit expats’ individual needs and budgets. Coverage can include medical care, dental and vision, preventive services, evacuation, maternity, mental health, and wellness programs.
Why is it important for expats to work with an insurance broker?
Working with an experienced insurance broker is beneficial for expats in Tanzania. Brokers can explain policy details, recommend tailored coverage, provide claims support, offer ongoing assistance, and leverage their local expertise to ensure expats get the right insurance plan.
Conclusion
Expats in Tanzania can rely on AXA, Bupa, Allianz, Cigna, William Russell, VUMI, IMG, Now Health, DavidShield, and GeoBlue for their health insurance needs. These are the top 10 health insurance companies for expats in Tanzania.
While you’re at it, it’s worth reading about the top 10 insurance companies in New Zealand, and the top 10 insurance companies in Mozambique. These are among a few articles that we’ve compiled for our globetrotting clients.
With over 1,000 employees and vast insurance expertise across four continents, Pacific Prime ensures that expats in Tanzania receive top-tier health insurance coverage, aiding in a seamless and secure transition to their new home.
Gain peace of mind by comparing quotes or reaching out to us today.
Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.
In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
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