Mozambique Health Insurance for Expats

International Health Insurance for Expats in Mozambique 

Expats in Mozambique can purchase private international health insurance to give them access to private healthcare facilities and to protect them from high medical bills. Mozambique has a limited public healthcare system, making private healthcare services preferred among expats. 

Are you an expat moving to or visiting Mozambique? Do you need help figuring out where to begin learning about the recommended health insurance options for the area? This article from the insurance experts at Pacific Prime will help guide you in the right direction. 

We will share the top international health insurance providers for Mozambique, an overview of the healthcare system, and key travel and safety tips for the country. 

Recommended International Health Insurance Plans for Expatriates Living in Mozambique

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

Plan Details Get a Quote

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

Mozambique’s Healthcare System

The healthcare system in Mozambique is overseen by the “Ministerio de Saude" (also known as MISAU or the Ministry of Health) and is comprised of a public and private healthcare sector. Most public and private healthcare facilities are located in larger cities. 

Mozambique’s healthcare system faces many challenges, mainly due to a lack of funding and a high prevalence of infectious diseases in the country. Rural areas of the country have very little access to quality healthcare, and individuals may have to travel long distances for quality care. 

Mozambique Public Hospitals

The majority of public hospitals and facilities are found in larger cities. Mozambique has three central public hospitals that service locals and expats. We have listed these hospitals below: 

Hospital Central de Maputo

• Phone:  +258 21 357 900

Hospital Central da Beira

• Phone: +258 23 312 071

Hospital Central De Nampula

• Phone: +258 26 216 681

Private Hospitals in Mozambique

Private hospitals in Mozambique generally offer higher quality care, facilities, and equipment to expats. They are more likely to have shorter wait times as well. Similar to public hospitals, most private hospitals are located in the larger cities. 

The best option for private healthcare in Mozambique can be found in Maputo. We have listed the contact details below: 

Lenmed Maputo Private Hospital

• Phone Number:  +258 84 303 0967

Health Insurance Options in Mozambique for Expats

The best option for health insurance for expats in Mozambique will be private health insurance, as expats are not covered by free public healthcare as they are not citizens. Additionally, private health insurance can offer better financial protection and benefits than public healthcare. 

Private Health Insurance in Mozambique 

Expats can purchase private health insurance through international health insurance providers for their time in Mozambique to grant them access to higher quality healthcare facilities, global coverage, and important benefits like medical evacuation coverage. 

Because of Mozambique’s limited healthcare services, in an emergency, you may have to travel outside of the country to another hospital for specialized treatment. The costs of this travel can be very high, which makes medical evacuation coverage so important. 

Expats have a variety of international health insurance providers they can choose from to purchase a private health insurance plan for Mozambique. To compare quotes from these providers, click here. 

Best Private Insurance Providers for Expats in Mozambique

The best private insurance providers for expats in Mozambique are offered by international health insurance providers Cigna, AXA, and Allianz. We will share a brief overview and highlight these provider’s plans in the following sections.

Cigna Global Health Insurance for Mozambique 

Cigna provides flexible insurance plans to expats in Mozambique and across the world. They offer their members 24/7 access to a customer care team and access to any of Mozambique’s and neighboring country’s private healthcare facilities. Their plans are customizable and comprehensive. 

Cigna has a Silver, Gold, and Platinum plan with different levels of healthcare coverage. All three of these plans share several common key coverage benefits:

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

Plan Details Get a Quote

Cigna offers their Close Care plan as well, which offers basic medical coverage in Mozambique and the policyholder’s home country.

AXA Health Insurance for Mozambique 

AXA is a leading international health insurance provider that insures expat individuals and families in Mozambique. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.

Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.  

The core benefits included in all five plans are:

• 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

Plan Details Get a Quote

Allianz Health Insurance for Mozambique

Allianz offers comprehensive insurance plans in Mozambique to fit a variety of expats’ and their family’s needs. Riders are available to be purchased and attached to basic policies that Allianz provides. These riders can offer coverage for accidents and other risks that expats may face abroad. 

The plans offered by Allianz include the Care, Care Plus, and Care Pro plans. While each of these plans may differ in coverage limits and benefits, they share similar benefits as listed below:

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

Plan Details Get a Quote

Facts to Consider when Picking Insurance in Mozambique

Some of the most important factors to consider for your insurance policy in Mozambique are your budget, your coverage needs, and any possible policy exclusions. Considering these factors is an important step to finding the right insurance plan for you. 

1. Your Budget: You should understand how much you can afford in monthly or yearly premiums, but this doesn’t mean you should try to find the cheapest coverage possible. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
2. Your Coverage Needs: Do you plan on needing outpatient or specialized care for your time in Mozambique? Do you have conditions that need extra support? Take the time to determine where you may need additional medical support to ensure that you have the right coverage for your health needs. 
3. Understand Plan Exclusions: Take the time to read the terms and conditions to understand what care or conditions could be excluded from your health insurance plan. You want to ensure that you are covered in all the areas you need, so you won’t be caught unprepared in the case you need coverage.

Health and Safety Tips for Expats in Mozambique

Some safety and health concerns expats may face in Mozambique include crime and terrorism, malaria and poliovirus, and contaminated water. We will share how expats can stay safe from these threats below: 

• Avoiding Crime and Terrorism: Staying alert and not walking alone can help expats avoid crime in Mozambique. To avoid terrorism, expats should avoid certain districts in the northern province of Cabo Delgado such as Ancuabe, Chuire, Ibo, Macomia, Meluco, Metuge, and others. 
• Protect Yourself Against Malaria and Poliovirus: Mozambique has many cases of Malaria in the country, and polio has been sighted within the last year as well. Adults can protect themselves by making sure they have been fully vaccinated against polio and carry anti-malaria medicines. 
• Drink Clean Water: Due to a risk of leptospirosis and other contaminants, expats in Mozambique should only drink bottled, treated, or boiled water. Avoid consuming any tap water and don’t ask for ice in your beverages. 

Frequently Asked Questions:

Is private health insurance required in Mozambique? 

Private health insurance is not required in Mozambique but it is highly recommended due to a lack of public health insurance for expats in the country. Private health insurance can also grant you access to higher quality healthcare facilities and important medical coverage. 

Does Mozambique have high-quality healthcare for expats? 

Mozambique’s private healthcare sector has higher quality care than its public sector, but overall the healthcare system is likely to be of lower quality than most expats are used to. 

Conclusion: Compare Plans and Quotes Now

Expats in Mozambique can protect their health and their finances by purchasing private health insurance for their time in the country. This health insurance coverage is especially important because of the lower standards of medical care in the public healthcare sector. 

If you’re interested in comparing Mozambique private health insurance plans, Pacific Prime can help. As an insurance broker, we can give our clients free and unbiased advice and help them compare a wide variety of health insurance policies. 

You can contact us online, or call us toll-free at 1-800-868-1451. If you’d like to compare quotes from Bupa and other insurance providers, use our free quote tool!