Comoros Health Insurance for Expats

International Health Insurance for Expats in Comoros

Expats living in or visiting Comoros will need to purchase a private health insurance plan. There is no formal healthcare system or health insurance scheme organized by the local government, so expats must select their own international plan to avoid paying all medical expenses out of pocket.

Are you planning on traveling to Comoros? Need help learning what your health insurance options are?

This page will explain not only the struggles of the Comoros healthcare system but also what health insurance options are available to visiting expats.

Securing the right health insurance plan can help cover medical costs while you’re in the area, and Pacific Prime can provide you with the ideal plan for your needs and budget.

Click below to get a free quote or continue reading to find out more about health insurance in Comoros.

Recommended International Health Insurance Plans for Expatriates Living in Comoros

Allianz Care Health Insurance

• World-leading Health Insurance Provider for Expats
• Extensive Network With Over 1.9 Million Medical Providers
• Quick and Efficient Claims Process
• Maximum Plan benefit up to USD $5,000,000

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Cigna Global Insurance Plan

• Worldwide Coverage (excluding the US)
• Access to Cigna's trusted network of hospitals and doctors
• Numerous Deductible Options
• 24/7 Customer Support
• 4 Core Insurance Plans

Plan Details Get a Quote

The Comoros Healthcare System Explained for Expats

Despite its natural beauty, Comoros is one of the world’s poorest countries, and it lacks a formal healthcare system. The healthcare facilities in Comoros are limited and not up to the international standards many Western expats will be accustomed to.

Due to the immense poverty in Comoros, around 60% of the health workers in public facilities are unpaid volunteers.

Public Hospitals and Healthcare in Comoros

Public facilities in Comoros are in poor condition, understaffed, and lack medical supplies and equipment. Frequent interruptions to water and electricity supplies are not uncommon, which can affect the quality of healthcare services. There are 3 public hospitals at present.

COMPASS Project in Comoros

The COMPASS Project (Comprehensive Approach to Health System Strengthening) is a huge initiative underway that aims to expand the breadth of primary healthcare for citizens of Comoros, particularly women and children.

With over $35 million of funding from the World Bank, the COMPASS Project is making an effort to strengthen the weak healthcare system currently in place.

Private Hospitals and Healthcare in Comoros

There are very limited private hospitals and facilities in Comoros, the most notable being the International Hospital located in Moroni, Grand Comore. While preferable, private facilities often do not survive due to the high costs of care and lack of patients who can afford them.

Even private hospitals only offer basic care and are not up to par with standardized Western medicine.

Health Insurance Options for Expats in Comoros

Expats in Comoros will need to purchase a private health insurance plan because there are no other insurance plans offered by the country or state.

Seeing that the likelihood of expats electing to travel to another country for care or being medically transported there in an emergency is high, having an international insurance plan that covers you everywhere in the world is your best option.

Public Health Insurance

Comoros does not have any public health insurance scheme in place. Because of this, the average Comorian will have to pay 45% of their healthcare expenses out of pocket. Many aren’t able to afford or reach care. Expats in Comoros will also be expected to pay for care out of pocket.

Private Health Insurance

Expats who have a private health insurance plan can be reimbursed for their medical expenses. Most medical facilities and hospitals in Comoros will expect patients, including foreigners, to pay in full for treatment before they receive care. As such, having a private plan can get you reimbursements.

Expats tend to prefer an international health insurance plan because they provide worldwide coverage in every country of the globe, letting your benefits travel with you, and because they can include comprehensive inpatient and outpatient care.

Here are some of the benefits they can include:

• Worldwide coverage
• Inpatient and day patient care
• Emergency evacuation and repatriation
• Cancer care
• Mental health care
• Emergency ambulatory services and ER care
• Palliative care
• Home nursing
• Lap work and testing
• Prescription medications
• Emergency dental care
• Rehabilitation
• Much more!

Expat Emergency Evacuation Coverage

Expats in Comoros will want to make sure their private insurance plan includes emergency evacuation and repatriation because the healthcare in the country is so poor.

If a serious medical injury or illness arises, you will want coverage to be transported to the nearest country with adequate care and equipment for your treatment. It can cost as much as USD $250,000 to be evacuated out of Comoros, and you won’t want to pay that bill out of pocket.

The Best International Insurance Plans for Expats in Comoros

Among the very best private health insurance providers for expats in Comoros are the international plans offered by Cigna, AXA, Allianz Care, and VUMI. We will introduce you to each insurer below.

To read the full list of top providers, read our blog post The Top 10 International Health Insurance Providers.

Cigna Global

Cigna Global offers international health insurance to expats living in more than 200 markets and territories around the world. Cigna has 1.5 million health professionals and 24/7 customer support workers who speak more than 50 languages. Individuals, families, and businesses can get Cigna coverage.

Here are some more Cigna highlights:

• Hospitalization
• Inpatient and daypatient treatments
• Cancer treatments
• Physiotherapy
• Accidental death or total permanent disability compensation

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AXA

AXA Global, also known as AXA Group or simply AXA, has more than 55 years of experience. They serve more than 95 million expats, digital nomads, businesses, and others in over 50 countries. Standard in AXA plans are their second medical opinion service and evacuation and repatriation coverage.

Here are some more AXA highlights:

• Hospital charges and surgery
• Virtual doctor service
• Mind health service
• Emergency coverage
• Medical evacuation and repatriation
• Wide range of cancer treatment
• Ambulance transport
• CT, PET and MRI scans

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Allianz Care

Allianz Care is a world-leading health insurance provider for expats living globally. As the international health brand of the larger Allianz Partners, Allianz Care offers health, life, critical illness, and disability insurance around the globe in 75 countries and over 58 languages.

Here are some more Allianz highlights:

• Inpatient costs
• Diagnostics and laboratory tests
• Surgeries
• Ambulances transport
• Cancer treatment

Plan Details Get a Quote

VUMI

VIP Universal Medical Insurance Group (VUMI) sells international health, life, and travel insurance policies for individuals and corporations. VUMI is well-known for its high-quality expat maternity insurance, which is included in three of its Global Flex plans. VUMI has 35 years in the industry.

Here are some more VUMI highlights:

• Over 35 Years of Experience
• Flexible Plans
• Maximum Annual Benefit Limit up to USD $4,500,000
• Exclusive Proprietary Medical Network

Plan Details Get a Quote

Factors to Consider When Picking Insurance in Comoros

Because there are no public health insurance options available for expats living in Comoros, you’ll want to find the best private providers, compare their plans, analyze their tiers of coverage, and find a plan that meets your health needs and stays within your budget.

Consider the following factors when picking health insurance for your time in Comoros:

1. Coverage Area: Ensure the plan covers medical services in Comoros as well as other countries you might visit, particularly in nearby regions like Africa or Europe.
2. Inpatient and Outpatient Care: Confirm coverage for hospital stays, surgeries, and routine outpatient visits, including access to specialists (out of country).
3. Emergency Services: Include provisions for emergency medical evacuations, as advanced medical facilities are limited in Comoros and may require transfer to nearby countries like Madagascar, Mauritius, or South Africa.
4. Repatriation Benefits: Include coverage for repatriation of remains or emergency return to the home country.
5. Network of Providers: Check if the insurance offers a reliable network of clinics and hospitals in Comoros and surrounding countries and support for accessing care locally.
6. Chronic Conditions and Pre-Existing Conditions: Understand the policy's stance on chronic illness and pre-existing conditions, as some may exclude or require additional premiums.
7. Maternity and Family Coverage: If applicable, look for policies that offer comprehensive maternity care and cover dependents.
8. Preventative Care: Coverage for vaccinations, routine checkups, and screenings.
9. Language Support: Ensure the insurer provides customer service in a language you are comfortable with, especially for navigating claims and emergencies.
10. Prescription Medication: Check if prescription drugs are covered, including any chronic medication you may need.
11. Cost and Premiums: Compare premiums, deductibles, co-pays, and out-of-pocket maximums to find a plan that fits your budget.
12. Claim Process: Opt for insurance with a straightforward, fast claims process. Consider insurers that offer direct billing agreements with healthcare providers in countries surrounding Comoros.
13. Duration of Stay: Choose a policy that aligns with the length of your stay. Short-term plans may be more suitable for temporary visits, while long-term plans are better for extended stays.
14. Cultural and Regional Considerations: Ensure coverage includes tropical diseases and health issues common in Comoros, such as malaria or typhoid.
15. Travel and Adventure Activities: If you plan to engage in diving, hiking, or other activities, ensure the policy includes coverage for sports and adventure-related injuries.
16. Reputation and Reviews: Research the insurer’s reputation, including reviews from other expats who have used their services in Comoros or similar regions.

Comoros Health and Safety Travel Advice for Visitors

Foreigners visiting Comoros should be up to date on routine vaccinations, have sufficient travel and health insurance, and pack all the medications they will need for the full duration of their stay in Comoros. Read more tips to remain healthy and safe.

1. Medical facilities and private practitioners usually require payment upfront, even if you have international health insurance. It is important to have both insurance and accessible funds in case you need to pay for medical care upfront.
2. Emergency evacuation and repatriation to South Africa may be necessary for medical emergencies. Be sure to have an insurance plan with these benefits.
3. Pharmacies are very hard to come by in Comoros and medicines are typically in short supply. Be sure to pack enough medication to cover your entire trip.
4. In 2019, there was a measles outbreak in Comoros and this illness remains a threat in the country and throughout Africa. The CDC recommends all receive this vaccine before travel. Foreigners should be sure to check the latest news about measles in Comoros before and during their travels.
5. Cholera and malaria are common diseases in Comoros. Other infectious diseases travelers may be exposed to include tuberculosis, HIV/AIDS, and typhoid fever. Be familiar with these diseases and how to prevent them.

Frequently Asked Questions

What are the healthcare facilities like in Comoros?

Healthcare facilities in Comoros are basic and limited, particularly outside the capital, Moroni. Public hospitals may lack modern equipment, and there are few private clinics and hospitals. Most doctors and staff speak French with limited English proficiency.

Do I need private health insurance in Comoros?

Private health insurance is highly recommended for expats in Comoros due to the limited quality of public healthcare services. Private insurance ensures access to better facilities abroad and covers emergencies like medical evacuation.

Are tropical diseases covered by health insurance in Comoros?

Many international health insurance plans for expats in Comoros include treatment for tropical diseases like malaria, typhoid, and dengue. Preventative care, such as vaccinations, may also be covered depending on the policy.

Can I get direct billing from local healthcare providers in Comoros?

Direct billing is uncommon in Comoros due to the limited healthcare infrastructure. Expats often pay upfront and seek reimbursement from their insurers afterward.

Does Comoros have any specific vaccinations or medical requirements?

Recommended vaccinations for visitors to Comoros include yellow fever, hepatitis A/B, typhoid, and rabies. Check if your insurance covers these vaccinations and medical checkups before departure.

Compare Quotes and Plans for Comoros Insurance Now

If Comoros is on your itinerary, Pacific Prime is qualified to help you with any international, travel insurance, or health insurance needs. We have qualified teams worldwide and would be delighted to provide a no-cost consultation on what insurance options are available.

The policies we offer cover a wide range of medical services, from dental and maternity to specialist consultations and many more. Contact one of our advisers for a free health insurance consultation or plan comparison today.