Fiji Health Insurance for Expats

International Health Insurance for Expats in Fiji

Cigna, Bupa, Allianz, AXA, and April International are among the top insurers among expats for international health insurance in Fiji.

This brief guide provides information about Fiji's healthcare system and further outlines the key health insurance options available in the country. Read on to learn more, or click here for a no-obligation, free quote.

Recommended International Health Insurance Plans for Expats Living in Fiji

The Healthcare System in Fiji

Fiji is generally viewed as a developing country and the standard of healthcare across Fiji reflects this. Currently, the country has a total of 24 hospitals consisting of three main divisional hospitals (Suva, Lautoka, and Labasa) and 21 sub-divisional hospitals.

Expats, along with their family members, and travelers visiting the islands, whether it's for a short or long period, must ensure they are covered by a comprehensive health insurance policy, so they can gain access to private medical care if the need arises.

Public Healthcare and Hospitals in Fiji

Fiji's public healthcare system is structured to provide access to essential medical services for its population, emphasizing the right to health as a constitutional guarantee.

The system comprises key facilities, including three major divisional hospitals located in Suva, Lautoka, and Labasa, along with 21 sub-divisional hospitals, 84 health centers, and 99 nursing stations spread across the islands.

Despite this extensive network, the quality of public healthcare can be described as basic, primarily addressing routine health issues. Many facilities, particularly in rural and peri-urban areas, face significant challenges, including inadequate resources and a shortage of medical supplies.

The effectiveness of healthcare delivery is limited, especially in emergency situations in remote areas. Non-communicable diseases (NCDs) such as diabetes, heart disease, and various cancers are increasingly prevalent in Fiji, presenting a substantial burden on the healthcare system.

Private Healthcare and Hospitals in Fiji

Fiji's private healthcare system plays a crucial role in providing medical services, particularly for expats and locals seeking higher-quality care.

Concentrated mainly in urban areas like Suva and Nadi, the private sector includes several well-equipped hospitals and clinics that offer a range of medical services. Notable institutions include:

• Oceania Hospital: The largest private facility in Fiji provides comprehensive services such as imaging, laboratory tests, and specialized medical care.
• Pacific Specialist Healthcare: Established in 2017 and known for its advanced outpatient services and surgical wards.

Private hospitals in Fiji typically operate 24 hours a day and employ skilled healthcare professionals, ensuring access to timely medical attention for non-urgent and emergency cases.

For expats, obtaining international health insurance is essential, as it covers many healthcare expenses associated with these private facilities. This insurance facilitates access to quality medical care and helps manage costs effectively.

However, hospitals in rural areas may experience limitations in medical supplies and specialist services. In emergencies, medical evacuations are often necessary, typically to Australia or New Zealand, which can be both time-consuming and costly.

Best International Health Insurance for Expats

The best international health insurance for expats includes offerings from Cigna, Bupa, Allianz, AXA, and April International.

Cigna

Cigna offers flexible international health plans tailored for expats in Fiji, featuring comprehensive coverage options without age restrictions. Their plans include significant annual maximum benefits, such as up to USD $2,000,000 for inpatient care.

Cigna provides extensive mental health support and covers a variety of medical treatments, including preventive services. Members can expect personalized support and global expertise, ensuring a seamless healthcare experience.

Allianz Care

Allianz Care provides diverse international health insurance plans with coverage limits reaching USD $5,000,000. Their offerings include inpatient, outpatient, and day-care treatment, alongside additional benefits like emergency medical evacuation and oncology case management.

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

AXA - Global Healthcare

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

AXA provides extensive 24/7 support, telemedicine consultations, and a user-friendly online platform for managing claims, ensuring a convenient experience for expats.

April International

April International's MyHealth International plans are designed for expats seeking customizable coverage with no upfront payments for hospitalization. Their plans offer annual limits up to unlimited, with comprehensive cancer care included.

April International is known for its multilingual customer support and easy claims process through their mobile app, providing significant convenience for policyholders.

Medical Evacuation Insurance

For an expat or traveler, it is important to consider the options for evacuation from Fiji, in case of emergencies or for necessary treatment that the private hospitals and medical centers cannot provide. Discuss with an international health insurance provider, such as Pacific Prime, about medical evacuation plans to supplement international health insurance.

Facts to Consider when Picking Insurance in Fiji

When seeking international health insurance as an expat in Fiji, it's essential to consider key factors such as the size of the provider network, the insurer's reputation for fairness, and the availability of direct billing options.

You should consider the following factors when picking health insurance in Fiji:

Coverage Limits

Begin by evaluating the coverage limits of the insurance plan, which specify the maximum amount the insurer will pay for medical expenses. Ensure these limits align with your needs, particularly if you anticipate requiring extensive medical care.

Range of Benefits

Examine the benefits included in the plan. Look for comprehensive coverage that addresses both inpatient and outpatient services, preventive care, maternity and mental health services, as well as prescription medications.

Exclusions

Thoroughly review the policy exclusions. Many plans may not cover specific pre-existing conditions, certain treatments, or alternative therapies. Understanding these exclusions is crucial to avoid surprises or out-of-pocket expenses.

Direct Billing Options

Check if the insurer provides direct billing with healthcare providers. This option allows you to receive medical treatment without upfront payment, simplifying the process and reducing financial stress.

Provider Network

Evaluate the size and quality of the insurer's network of healthcare providers. A larger network offers access to a wide range of hospitals and clinics, reducing wait times and improving your chances of receiving quality care.

Insurer Reputation

Research the insurer's reputation by looking for reviews and ratings from current policyholders. This will help you assess the company's reliability and customer service. A reputable insurer is more likely to provide timely support and fulfill its obligations.

Adventure Activities and Support

If you intend to engage in adventure activities, verify whether the policy covers these events. Additionally, ensure the insurer offers 24/7 emergency assistance, which can be vital in urgent medical situations.

Medical Evacuation Coverage

If you require transportation to another location or country for essential medical care, medical evacuation coverage can help cover transport costs and facilitate the process by providing logistical support.

Recommended Vaccinations Before Traveling to Fiji

The CDC and WHO recommend the following vaccinations for Fiji:

• Hepatitis A
• Hepatitis B
• Typhoid
• Yellow fever
• Rabies
• Meningitis
• Polio
• Measles, Mumps, and Rubella (MMR)
• Tdap (tetanus, diphtheria, and pertussis)
• Chickenpox
• Shingles
• Pneumonia
• Influenza

Be sure to visit your local doctor or travel advisor to confirm what you actually need before heading to Fiji.

Frequently Asked Questions

Why should expats in Fiji purchase private health insurance?

Expats in Fiji should purchase private health insurance to ensure access to quality healthcare, cover unexpected medical expenses, avoid long wait times in public facilities, and receive treatment in a timely manner. This provides peace of mind while living abroad.

Why should expats in Fiji purchase medical evacuation insurance even if they have international health insurance?

Expats in Fiji should purchase medical evacuation (medevac) insurance, because medevac insurance typically offers more comprehensive and specialized support for emergencies than international health insurance, ensuring timely care without impacting health insurance limits.

What vaccines are recommended for visitors to Fiji?

Vaccines for hepatitis A and B, typhoid, yellow fever, rabies, meningitis, polio, measles, mumps, and rubella (MMR), tdap (tetanus, diphtheria, and pertussis), chickenpox, shingles, pneumonia, and influenza are recommended by CDC and WHO. You should consult your doctor before heading to Fiji.

Conclusion: Compare Plans and Quotes Now

With over two decades of extensive experience gained from across the globe, Pacific Prime can assist with any of your Fiji health insurance needs. By leveraging our close relationships with major international insurers, we offer professional advice and free plan comparisons to our clients.

Recommended International Health Insurance Plans for Expatriates Living in Fiji

Whatever your budget and needs, our professional consultants can match you with a policy that fits you best. Our policies can cover a wide range of services, including dental, maternity, specialist consultation, emergency evacuation, inpatient services, and many more aspects.

Expats with family members can also secure international cover for the whole family. For international students or travelers in search of international health insurance or travel insurance, Pacific Prime is the go-to insurance intermediary for the best impartial advice and guidance.

Contact us today for a free consultation!