Cape Verde Health Insurance for Expats

International Health Insurance for Expats in Cape Verde

International health insurance is a comprehensive and flexible option for expats in Cape Verde, offering them access to higher-quality healthcare services, peace of mind, and financial security in case of a medical emergency.

Should you be visiting or living in Cape Verde, you will undoubtedly be interested in the healthcare system in the area and how you can make personal health the top priority with the right health insurance policy.

This Pacific Prime guide serves as an informative read for expats to seamlessly navigate through healthcare in Cape Verde.

Recommended International Health Insurance Plans for Expatriates Living in Cape Verde

The Healthcare System in Cape Verde

The healthcare system in Cape Verde operates on a dual structure consisting of public and private sectors.

Cape Verde has implemented a universal healthcare system that prioritizes accessibility and coverage for its population. The government heavily subsidizes healthcare services, making basic healthcare either free or available at minimal cost to citizens.

Healthcare facilities are distributed across the islands, with health centers located in major towns and health posts serving rural areas. Mobile health units help reach remote populations.

Emergency services are generally available in major cities. First responders typically cannot access places outside of major areas and offer urgent medical care. It can also be difficult to travel between the islands (Santo Antão and Brava in particular), and medical evacuation options are limited.

Cape Verde’s Public Medical Facilities

Cape Verde has a small public hospital system, with one hospital in Praia and another in Mindelo. These hospitals provide specialized medical services. Small government-owned medical facilities also exist to provide basic and primary medical services to local residents and expats.

The main public medical facilities in Cape Verde include:

• Hospital Agostinho Neto
  • Address: Praia, Santiago Island
  • Contact: +238 260 21 40
• Hospital Dr. Baptista de Sousa
  • Address: Mindelo, São Vicente Island
  • Contact: +238 231 18 79
• Hospital Regional de Santiago
  • Address: Assomada, Santiago Island
  • Contact: +238 265 50 57

Cape Verde’s Private Medical Facilities

Private hospitals often provide higher-quality care, with shorter wait times and better facilities compared to public healthcare.

The main private medical facilities in Cape Verde include:

• Clinica Boa Esperanca
  • Address: Entrada da Cidade de Sal-Rei, Boa Vista, Cape Verde
  • Contact: +238 251 14 16
• Clinitur
  • Address: Santa Maria, Cape Verde
  • Contact: +238 242 90 90

Health Insurance Options in Cape Verde for Expats

Expats in Cape Verde have the option for public and private health insurance, each catering to their individual lifestyles and preferences.

Public Insurance in Cape Verde

Cape Verde has a public healthcare system that provides basic medical services to residents and citizens. While expats may not have direct access to public health insurance, they can utilize public healthcare facilities, which are funded by the government.

• Accessibility: Public clinics are available across the islands, providing essential medical services, including emergency care and outpatient treatments; whereas public hospitals are centralized in major Islands such as Praia.
• Cost: Medical services in public facilities are generally low-cost or free for citizens. However, expats can expect long wait times and limited resources.
• Quality of Care: While public healthcare services can vary in quality, they are not up to the Western standards, expected by expats from Europe or the US.
• Limitations: Public health facilities may lack certain advanced medical technologies and specialists, driving most expats in Cape Verde to consider supplementary private insurance for comprehensive care.

Private Insurance in Cape Verde

Private health insurance is a popular choice for expats in Cape Verde, offering more extensive coverage and quicker access to services. Key features include:

• Comprehensive Coverage: Private health insurance plans typically cover a wide range of medical services, including hospitalization, specialist consultations, and outpatient care, and advanced care such as maternity, dental, and mental.
• Flexibility: Many private insurance plans offer tailored coverage options, allowing expats to select plans that meet their specific healthcare needs, including coverage for pre-existing conditions.

Best Private Insurance Providers for Expats in Cape Verde

With 20+ years of experience in insurance, Pacific Prime leverages strong relationships with international insurers, including April International, MSH International, Allianz, Cigna, and NOW Health International to provide comprehensive and flexible insurance solutions to expats in Cape Verde.

April International

April International provides quality and affordable international health insurance for expats worldwide, including those in Cape Verde. Expats will appreciate the fully paperless reimbursement system, which simplifies documentation and streamlines the claims process for a hassle-free experience.

MSH International

MSH International delivers flexibility and comprehensive coverage tailored for expats in Cape Verde. Their innovative and user-friendly mobile app puts essential healthcare tools at your fingertips, from locating nearby medical providers to submitting and tracking claims in real-time.

With customizable plans covering everything from check-ups to complex medical procedures, MSH International ensures expats receive quality care across Cape Verde's diverse healthcare landscape.

Allianz

Allianz is a top choice for expatriates in Cape Verde, offering an international health insurance plan with three options: the Care Plan, Care Plus Plan, and Care Pro Plan.

Policyholders can enjoy a range of value-added services, including Allianz’s MyHealth Digital Services, the Expat Assistance Program, travel security services, an extensive global network, and family-friendly benefits.

Cigna

Cigna stands as a premier choice for expatriate health coverage in Cape Verde. Their comprehensive insurance plans offer seamless access to high-quality healthcare through an extensive network of local and international medical providers.

With multilingual 24/7 customer service, paperless claims processing, and direct billing arrangements, Cigna ensures a hassle-free healthcare experience.

Their flexible plans can be customized with modules for outpatient care, medical evacuations, vision, dental, and mental health services, allowing expats to build coverage that perfectly matches their needs and budget.

Now Health International

NOW Health International provides expats in Cape Verde with comprehensive healthcare solutions tailored to every need and budget. Their flexible plans cover essential medical services including inpatient and outpatient care, emergency evacuations, dental treatments, and maternity services.

Facts to Consider when Picking Insurance in Cape Verde

1. Coverage Options

Choose a plan that includes comprehensive health insurance covering hospitalization, outpatient services, and emergency care. Verify coverage for pre-existing conditions, as many policies may exclude them.

2. Network of Providers

Ensure the insurance provider has a network of reputable hospitals and clinics in Cape Verde, particularly in the areas you plan to visit. Access to local healthcare facilities is essential.

3. Cost and Premiums

Compare premiums from different providers to find an affordable plan with adequate coverage. Understand deductibles and co-pays associated with medical services to gauge total costs.

4. Emergency Services

Check if the policy includes emergency medical evacuation and offers 24/7 assistance for emergencies. This is crucial for serious medical issues requiring immediate attention.

5. Policy Exclusions

Review the policy for exclusions or limitations, such as specific treatments or activities not covered. Be aware of any waiting periods for coverage to begin, especially for certain medical services.

Health and Safety Tips for Travelers in Cape Verde

Vaccination, malaria prevention, and food and water safety awareness are much needed for travelers in Cape Verde. Traveling to Cape Verde can be a rewarding experience, but it's essential to be prepared for health-related issues to ensure a safe and enjoyable trip.

• Vaccination
  • Hepatitis A and B: Recommended for all travelers, as these viruses can be transmitted through contaminated food and water.
  • Typhoid Fever: Consider this vaccination if you plan to visit rural areas or consume food from street vendors.
  • Tetanus-Diphtheria: Ensure your routine vaccinations are up to date.
• Malaria Prevention
  • Anti-Malarial Medication: Consult your doctor about taking preventive medication before and during your stay.
  • Insect Repellent: Use insect repellent containing DEET to reduce the risk of mosquito bites.
• Food and Water Safety
  • Drink Bottled Water: Always opt for bottled or boiled water to stay hydrated.
  • Eat Cooked Foods: Avoid raw or undercooked foods, including seafood and street food, to minimize the risk of gastrointestinal infections.

Frequently Asked Questions

What does international health insurance cover for expats in Cape Verde?

International health insurance for expats typically covers a wide range of medical services, including hospital stays, outpatient treatments, prescription medications, emergency evacuations, and preventive care.

How do I choose the right international health insurance plan in Cape Verde?

Consider factors such as the extent of coverage, network of healthcare providers, premium costs, and any exclusions or limitations. Evaluate your specific needs, such as whether you require coverage for pre-existing conditions or specific treatments.

Is it mandatory to have health insurance as an expat in Cape Verde?

Obtaining a comprehensive health insurance policy is not legally required but highly recommended. Access to quality healthcare can be limited, and medical costs can be high. Having insurance ensures that you can receive necessary medical treatment without facing significant financial burdens.

What should I do in case of a medical emergency in Cape Verde?

In a medical emergency, you should first seek immediate medical assistance by contacting local healthcare facilities or emergency services. Many international health insurance providers offer assistance services, which can help coordinate care and facilitate communication with local medical professionals.

Compare Plans and Quotes in Cape Verde Now

It’s important to have adequate medical insurance when traveling to Cape Verde. The ideal plan should have medical emergency evacuation coverage as this can save money and stress if you need to be transported to another hospital or country.

The cost of treatment at a private facility is less than what you’d pay in more developed countries, and so is your private insurance premium in Cape Verde. However, medical evacuation can be pricey as the geographic location poses challenges to effective medical evacuation and repatriation.

Since there’s a lot to think about when securing private health insurance, it’s advisable to get expert help from a reputable broker like Pacific Prime. We compare health insurance plans based on your needs and budget to ensure you get the right one.

Contact our team of expert advisors today to receive a free quote or impartial advice today.