Namibia Health Insurance for Expats

International Health Insurance for Expats in Namibia

Many expats in Namibia secure international health insurance to steer clear of the long wait lines and limited healthcare services at public hospitals and health facilities. However, while the healthcare system is of high quality, this is largely true but only if you live in an urban area.

Recommended International Health Insurance Plans for Expatriates Living in Namibia

The Healthcare System in Namibia

Namibia has a dual system that comprises public and private healthcare providers, providing health services to 82% of the population and the remaining 18% respectively. This, in part, is due to the country’s high-income inequality.

Most citizens are unable to access expensive private health services and instead rely on the public system. Nevertheless, the quality of healthcare in Namibia is up to par with international standards.

Public Healthcare in Namibia

Public health care is widely available to all Namibians. Healthcare is easily accessible in Namibia, with the majority of the population living within a 10km radius of a healthcare facility.

Nevertheless, if you live in the city, you will have an easier time accessing medical institutions than rural dwellers. Moreover, the public health sector suffers from long waiting times and general absenteeism among medical personnel. It also places an extraordinary burden on public finances.

The Ministry of Health and Social Services (MoHSS) is the provider of public health services. It operates a four-tiered health system, consisting of primary healthcare (PHC) sites, district hospitals, intermediate hospitals, and a referral hospital.

In general, you will find that the higher the tier is, the more specialized care they can provide.

Namibia’s Public Hospitals

Here are the 5 types of medical institutions you will find in Namibia:

• Clinics (PHC) are staffed with nurses and pharmacy technicians or assistants.
• Health centers (PHC) are staffed with doctors, pharmacists, and nurses.
• District hospitals refer their patients to intermediate hospitals if they need specialist care.
• Intermediate hospitals refer patients to central hospitals.
• Central Hospital in Windhoek serves only patients with the most medically complex illnesses.

Simply put, you have to be diagnosed at one of the PHC providers before you can be referred to other institutions.

Namibia’s Private Hospitals

There are a total of 844 private health facilities, 557 medical practitioners, 75 pharmacies, specialty and general private hospitals, and private clinics in Namibia. All patients are required to pay out-of-pocket in the private sector.

What’s more, certain specialized services like organ transplantations are only available from private medical centers. As a result, these medical procedures are inaccessible to those who cannot afford private care.

The following are some of the well known private hospitals in Namibia:

• Lady Pohamba Private Hospital: Established in 2009 in Windhoek, Lady Pohamba offers a wide range of medical treatments, including surgical procedures, maternity care, and specialized clinics. The hospital features state-of-the-art operating theaters and is staffed by highly qualified professionals.
• Welwitschia Hospital: Welwitschia is a sophisticated medical facility in Walvis Bay. Welwitschia has Namibia's first lung clinic and introduced the continent's first low-dose CT scanner. Welwitschia offers services including emergency care, outpatient services, and specialized treatments.
• Mediclinic Windhoek: Located in the capital, Mediclinic provides an extensive range of medical services, including consultations, surgical care, and well-equipped operating theaters. The hospital is staffed by skilled healthcare professionals committed to delivering high-quality treatment.

Health Insurance Options in Namibia for Expats

There are two primary types of health insurance in Namibia: public and private insurance.

Public Insurance in Namibia

In Namibia, public healthcare is primarily overseen by the MoHSS. This government department is responsible for ensuring access to healthcare services for all citizens, including expats.

While public healthcare facilities are available throughout the country, they often face significant challenges, such as staff shortages, long waiting times, and inadequate resources.

The public health system aims to provide affordable healthcare to everyone, but many Namibians rely on it due to financial constraints. According to recent studies, a substantial portion of the population lacks medical aid coverage, with affordability being a major barrier.

Public insurance typically covers basic healthcare services, including outpatient consultations, hospital care, and emergency services. However, the quality of care can vary significantly between urban and rural areas.

In cities like Windhoek, patients may find better facilities and more qualified healthcare professionals, whereas rural areas often struggle with access and quality. For expats, utilizing public health services may mean longer wait times and lower quality care compared to private options.

Moreover, while public healthcare is accessible, expats are encouraged to be proactive about their health needs. This includes ensuring they have appropriate vaccinations and understanding the limitations of public services, especially concerning specialized care.

Private Insurance in Namibia

For expats seeking more immediate and higher-quality medical care, private health insurance is often the preferred option in Namibia. The private healthcare sector has been expanding, offering a range of services that cater to the needs of both locals and foreigners.

In contrast to the public system, private facilities typically provide shorter waiting times and a wider array of services, including specialized treatments.

Most private health insurance plans in Namibia are structured through medical aid funds, which require members to pay monthly premiums in exchange for coverage that includes hospitalization, consultations, and other medical services.

A notable feature of private insurance is its flexibility; expats can select plans tailored to their specific health needs and circumstances. This is particularly beneficial for individuals with pre-existing conditions or those expecting to require specialized care during their stay.

However, it’s important to note that many private healthcare providers expect upfront payment for services, regardless of whether the patient has insurance. Therefore, expats are advised to retain all medical bills and receipts, as these documents will be essential for filing claims later on.

The types of private health insurance available can vary widely, from comprehensive plans that cover a broad range of services to more limited hospital plans focused primarily on inpatient care.

Major international insurance companies’ plans often include provisions for emergency medical evacuations, which can be crucial in a country where the quality of medical care may not always meet international standards.

Best Private Insurance Providers for Expats in Namibia

The top international health insurance providers for expats in Namibia include Cigna, Bupa, Allianz, AXA, and April International.

Cigna

Cigna provides flexible international health plans for expats in Namibia, featuring comprehensive coverage without age limits. Their plans offer significant annual maximum benefits, up to USD $2,000,000 for inpatient care.

These plans also include extensive mental health support and various medical treatments, including preventive services. Members benefit from personalized support and global expertise for a seamless healthcare experience.

Allianz

Allianz Care offers diverse international health insurance plans with coverage limits up to USD $5,000,000. Their offerings include inpatient, outpatient, and day-care treatments, along with additional benefits like emergency medical evacuation and oncology case management.

Allianz is recognized for its comprehensive support services, ensuring timely care and assistance in medical emergencies.

AXA

AXA - Global Healthcare provides robust international health plans with coverage limits ranging from USD $160,000 to USD $8,000,000. Their plans address various healthcare needs, including inpatient treatments, maternity care, and mental health services.

AXA also offers extensive 24/7 support, telemedicine consultations, and a user-friendly online platform for managing claims, enhancing convenience for expats.

April International

April International’s International plans are tailored for expats seeking customizable coverage without upfront hospitalization payments. Their plans offer annual limits up to unlimited, including comprehensive cancer care.

April International is noted for its multilingual customer support and straightforward claims process via their mobile app, providing added convenience for policyholders.

Quality of Healthcare Varies According to Your Location in Namibia

Numerous medical facilities and medical practitioners in the Namibian capital of Windhoek or a large town are comparable to international standards. However, outside of densely populated areas, the quality of healthcare varies. This drop in quality is particularly apparent in rural areas.

State-run hospitals are available in all major towns. However, only healthcare centers and mobile clinics operate in smaller towns, villages, and rural settlements.

Windhoek boasts 2 public and 5 private hospitals, and the majority of Namibia’s medical specialists are based in the city. However, many doctors, hospitals, and private clinics will expect up-front payment in cash, regardless of whether or not you possess health insurance covering Namibia.

Pharmacies for Expats in Namibia

A wide range of medicines and drugs can be purchased in Windhoek. Moreover, pharmacists here strictly adhere to the standards set by the U.S. Food and Drug Administration with all imported medication controlled for distribution by the National Drug Control Commission.

The Need for Medical Evacuations for Expats in Namibia

A sparse and widespread population in Namibia has resulted in more air evacuations than in most other countries. Medical emergency evacuation services extend to all corners of Namibia. They are supported by a well-developed air industry, landing strips, and a well-maintained road network.

Serious medical problems that cannot be treated in Windhoek require a short air evacuation to South Africa. Most cases requiring emergency evacuation are related to road accidents, mostly on rural gravel roads by expats who are unfamiliar with local road conditions.

We highly recommend all expats secure a comprehensive expat insurance policy with an emergency evacuation benefit in case of accidents.

Facts to Consider when Picking Insurance in Namibia

When seeking international health insurance as an expat in Namibia, it's crucial to evaluate several key factors:

• Coverage Limits: Assess the plan’s coverage limits, which indicate the maximum amount the insurer will pay for medical expenses. Ensure these limits meet your needs, especially if extensive medical care is anticipated.
• Range of Benefits: Review the benefits offered, including inpatient and outpatient services, preventive care, maternity and mental health services, and prescription medications.
• Exclusions: Carefully examine policy exclusions, as many plans may not cover pre-existing conditions or certain treatments. Understanding these limitations is vital to avoid unexpected costs.
• Direct Billing Options: Confirm if the insurer provides direct billing with healthcare providers, allowing you to receive treatment without upfront payments, thus reducing financial stress.
• Provider Network: Evaluate the size and quality of the insurer’s network. A broader network means access to more hospitals and clinics, which can lead to shorter wait times and better care.
• Insurer Reputation: Research the insurer's reputation through reviews and ratings from current policyholders. A reliable insurer is likely to provide timely support and meet its obligations.
• Adventure Activities and Support: If you plan to engage in adventure activities, check if these are covered. Additionally, ensure the insurer offers 24/7 emergency assistance for urgent situations.
• Medical Evacuation Coverage: Look for medical evacuation coverage, which helps cover transport costs for essential medical care and provides logistical support.

Health and Safety Tips for Travelers in Namibia

From traffic accidents to HIV, there are a number of health risks expats might have to face. Here is a non-exhaustive list of the precautions you should take when traveling to Namibia.

Vaccinations

Visitors to Namibia are advised to seek professional medical advice before traveling, preferably from a doctor specializing in travel medicine. Vaccinations for Hepatitis A, Hepatitis B, Typhoid, Polio, and Rabies are recommended.

Cholera outbreaks do occur from time to time. While mains water is purified and safe, visitors should only use boiled or bottled water. Ice should be avoided in drinks.

The Three Major Diseases

Namibia suffers from three major diseases: HIV/AIDS, tuberculosis, and malaria. The HIV/AIDS epidemic is a major problem in Namibia. Although infection rates are much lower than most of its neighbors in Sub-Saharan Africa, approximately 12.6% of adults aged 15-64 years in Namibia are infected by HIV.

On the other hand, Malaria is prevalent throughout the northern half of the country. Thus, you should take adequate precautions against the disease when traveling to areas north of Windhoek.

The risk of contracting malaria is greater if a person is also infected with HIV. The risk of death from malaria is also significantly higher with a simultaneous HIV infection. As a result, a large proportion of the government health budget is set aside for HIV/AIDS and malaria treatment.

Who Should Expats Contact in Emergencies in Namibia?

Individuals requiring emergency services should dial 211-111. The International SOS (ISOS) operates a 24-hour emergency center in Windhoek, including a fleet of air ambulances and dedicated road response vehicles.

Frequently Asked Questions

What is the state of public healthcare in Namibia?

Public healthcare in Namibia faces challenges such as long wait times, limited resources, and infrastructure issues. While the government provides essential services, rural areas often experience inadequate access and staffing shortages.

What is the state of private healthcare in Namibia?

Private healthcare in Namibia offers higher-quality services with shorter wait times and better facilities. It provides a range of medical services, including specialized care. However, these facilities are found only in big urban areas, and up-front payment in cash is often expected.

What are the common health concerns in Namibia?

Common health concerns in Namibia include HIV/AIDS, tuberculosis, and malaria, which significantly impact the population's health. Additionally, non-communicable diseases like hypertension and diabetes are increasingly prevalent.

Compare Plans and Quotes Now

Want to avoid long waiting times and insufficient public healthcare services in Namibia? You should secure an international private health insurance plan. Here, the healthcare system is of high quality and easily accessible, but only if you live in the city.

Pacific Prime has over two decades of experience as brokers in the insurance industry. We are committed to finding the perfect health insurance plan to suit your budget and needs.

Most importantly, our highly-trained experts provide free quotations, leverage our close partnerships with all major insurers, and have an extensive portfolio that consists of all the best plans. Contact us today so we can help!