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Mozambique’s healthcare system, while offering private facilities in major cities, still lacks sufficient specialized care. For expats, securing international health insurance is essential to cover both local and regional healthcare needs. Top providers such as Allianz, Bupa, AXA, and Cigna offer comprehensive health insurance plans that provide access to medical care not just in Mozambique, but also in neighboring countries with better healthcare systems.
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International health insurance for expats in Mozambique ensures that you receive the best medical treatment when needed, whether in Mozambique or elsewhere. These plans offer a variety of coverage options, from inpatient treatment to emergency evacuation, ensuring that expats have access to the care they need in emergencies.
Best International Health Insurance Companies for Expats in Mozambique
The 10 best insurance companies for expats in Mozambique are Allianz Care, Bupa Global, AXA Global, Cigna, William Russell, VUMI, IMG International, DavidShield Group, NOW Health International, and GeoBlue. These companies offer expats in Mozambique a diverse selection of health insurance solutions.
- Allianz Care
- Bupa Global
- AXA Global
- Cigna
- William Russell
- VUMI
- IMG International
- DavidShield Group
- NOW Health International
- GeoBlue
Allianz Care: Comprehensive Expat Health Insurance Plans
As a world-leading health insurance provider, Allianz Care is one of the top choices for expats in Mozambique looking for international health insurance plans. The core international health insurance plans Allianz Care offers include: the Care Plan, the Care Plus Plan, and the Care Pro Plan.
Among the international plans available, the Care Pro Plan offers the most comprehensive coverage with the highest limit of US $5,000,000. Below is a table of comparison showing the limits and core coverage of each plan:
|
Allianz Care Expat Health Insurance Plans Comparison |
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| Benefits Coverage | Care Plan | Care Plus Plan | Care Pro Plan |
| Maximum Plan Limit | US $2,500,000 | US $4,000,000 | US $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care |
✓ |
✓ |
✓ |
| Medical Evacuation |
✓ |
✓ |
✓ |
| Preventive Surgery |
✗ |
✗ |
US $40,500 |
| Emergency Out-Patient Treatment | US $338 | US $1,015 | US $1,015 |
Bupa Global: Extensive Coverage for Expats in Mozambique
Bupa Global is one of the top insurance companies for expats in Mozambique. Their localized customer service and 24/7 medical help through Bupa’s Global Virtual Care makes them a great option for expats.
All Bupa policyholders can enjoy excellent benefit provision across all plan tiers, including:
- Extensive network of providers
- Direct billing
- Customized insurance plans
- Second medical opinions
- Lifetime renewal
- Direct access to specialists without referral
- Coverage for two children under 10 at no additional cost
- Online and in-app access to support services through MembersWorld
The table below shows the annual plan limit and the coverage of Bupa’s international health insurance for expats:
|
Bupa Global Health Plans Compared |
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| Private Hospital Room Coverage | Medical Repatriation Coverage | Medical Evacuation Coverage | Outpatient Prescriptions | |
| Major Medical | Yes | Yes | Yes | No |
| Select | Yes | No | Yes | Yes |
| Premier | Yes | No | Yes | Yes |
| Elite | Yes | Yes | Yes | Yes |
AXA Global: Flexible International Health Insurance for Expats in Mozambique
AXA Global Healthcare is a renowned brand with over 50 years of experience offering insurance solutions to more than 95 million clients in 50 countries. This makes AXA a great choice for expats in Mozambique looking for wide coverage and flexibility in their health insurance plan.
AXA’s international insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. The annual plan limits range from US $160,000 to US $8,000,000. The key features of their international health insurance plans are:
- Experienced 24/7 personal support
- Evacuation and repatriation coverage
- Ambulance transport
- Telehealth service
- CT, PET, and MRI scans
- Rapid claims repay
- Second medical opinion
- Cancer Treatments
- Mind Health Support
- Inpatient hospital charges and surgeries
Below is a table of comparison showing the maximum annual limits for AXA’s international health insurance plans:
|
Foundation |
Standard | Comprehensive | Prestige |
Prestige Plus |
|
| Annual Benefit Limit: | US $160,000 | US $1,600,000 | US $2,400,000 | US $3,200,000 | US $8,000,000 |
Cigna: Reliable Health Insurance Solutions for Expats in Mozambique
Cigna Global is a leading insurance provider providing policies in over 200 markets and territories around the world. The four core international health insurance plans Cigna Global offers include: Silver, Gold, Platinum, and Close Care.
Among the four core international health insurance plans, the Close Care plan acts more like a local plan and only provides coverage in your country of residence. As such, the benefits and annual limit is not as comprehensive as the other plans offered.
Cigna Global International Health Insurance Plans table of core benefits:
|
Cigna Health Insurance Plans: Core Benefits (USD) |
||||
|
Coverage Benefits |
Silver | Gold | Platinum |
Close Care |
| Annual Limit Amount | USD $1,000,000 | USD $2,000,000 | Unlimited | USD $500,000 |
| Coverage Area | Worldwide | Worldwide | Worldwide | Country of residence |
| Inpatient and Outpatient Treatment | Paid in full for a private room | Paid in full for a private room | Paid in full for a private room | Paid in full for a semi-private room |
| Hospital Accommodation for Parent or Guardian | USD $1,000 | USD $1,000 | Paid in full | Not Covered |
| Pandemics, Epidemics, and Outbreaks of Infectious Diseases | Paid in full | Paid in full | Paid in full | Paid in full |
| Inpatient Cash Benefit | USD $100 | USD $100 | USD $100 | USD $100 |
| Accident and ER Treatment | USD $500 | USD $1,000 | USD $1,200 | Not Covered |
| Advanced Medical Imaging | $10,000 | $15,000 | Paid in full | USD $2,500 |
| Rehabilitation | USD $5,000 | USD $10,000 | Paid in full | USD $2,000 |
| Home Nursing | USD $2,500 | USD $5,000 | Paid in full | Not Covered |
| Ambulance Services | Paid in full | Paid in full | Paid in full | Paid in full (road only) |
| Out-of-Area Emergency Hospitalization | USD $100,000 | USD $250,000 | Paid in full | USD $40,000 (for temporary trips out of the country) |
William Russell: Tailored Health Plans for Expats in Mozambique
William Russell is a great option for expats in Mozambique looking to get insured. Known for providing comprehensive and customizable international health insurance, expats can choose between the four available tiers: Bronze, Silver Lite, Silver, and Gold.
From inpatient and outpatient treatments to wellness and maternity benefits, William Russell’s international health insurance will have coverage for all these expenses up to the policy limit. Below are the core insurance coverage for the four tiers:
|
Benefits Coverage |
Bronze | Silver Lite | Silver |
Gold |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Treatments |
✓ |
✓ | ✓ |
✓ |
| Advanced Diagnostic Tests |
✓ |
✓ | ✓ |
✓ |
| Emergency Medical Evacuation |
✓ |
✓ | ✓ |
✓ |
| Cancer Treatment |
✓ |
✓ | ✓ |
✓ |
| Lifetime Limit for Mental Health Treatment | US $50,000 |
✗ |
US $75,000 | US $100,000 |
VUMI: Premium Health Coverage for Expats in Mozambique
Expats in Mozambique can choose between the five different tiers (Basic, Standard, Superior, Ultra, and Total) that VUMI offers for their international health insurance policy, the Global Flex VIP plan for expats.
All the Global Flex VIP plans include inpatient benefits including:
- Standard private hospital room fully covered
- Fully covered intensive care unit stays
- Accommodations for an adult accompanying an insured child under age 18 during the child’s hospitalization
- Medications prescribed while in the hospital are fully covered
- Psychiatric treatments are fully covered for up to 30 days
Eligibility and special conditions expats need to know when applying for Global Flex VIP plans:
- Applicants must be aged 74 years or younger
- Declared pre-existing conditions may be covered. This benefit will be evaluated during underwriting.
- HIV-AIDS may be covered by VUMI’s Global Flex VIP Plans after a 36-month waiting period with a benefit limit of up to USD $50,000.
- Routine maternity coverage has a 12-month waiting period through VUMI’s applicable Global Flex VIP Plans.
- Injuries that occur while training or practicing hazardous sports and hobbies are excluded from coverage.
Below is a table showing the annual benefit limits of each tier in the Global Flex VIP Plans:
| Global Flex VIP Plan | Annual Benefit Limit (USD) |
| Basic | $3,000,000 |
| Standard | $3,500,000 |
| Superior | $4,000,000 |
| Ultra | $4,500,000 |
| Total | $5,000,000 |
IMG International: Affordable Global Health Insurance Options for Expats in Mozambique
IMG Global Health’s international health insurance plan is available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. Lifetime limits vary across these plans, with a maximum limit of up to USD $8,000,000 per individual.
All IMG Global international health insurance plans have a non-renewable lifetime limit. As such, the premium is more affordable than other insurance companies; those looking to relocate may want to consider more sustainable plans.
The benefits provided by IMG are comprehensive, with coverage for inpatient, prescription coverage, cancer treatment, and medical emergencies. You can also opt to add riders such as dental, vision, maternity, and even sports coverage depending on your plan level.
Here’s a comparison of the core benefits provided by IMG’s international health insurance of different tiers:
|
IMG Health Insurance Plans Benefits Comparison |
||||
|
Benefits Coverage |
Bronze | Silver | Gold |
Platinum |
| Physician Visits | ✓ | ✓ | ✓ | ✓ |
| Hospitalization room/board | ✓ | USD $600 per day; 240 days max | ✓ | ✓ |
| Surgery | ✓ | ✓ | ✓ | ✓ |
| Labs & X-rays | ✓ | ✓ | ✓ | ✓ |
| Physical therapy | ✓ | ✓ | USD $50 Maximum limit per visit | USD $50 Maximum limit per visit |
| Outpatient Surgery | ✓ | ✓ | ✓ | ✓ |
| Cancer Treatment | ✓ | ✓ | ✓ | ✓ |
NOW Health International: Budget-Friendly Health Insurance for Expats in Mozambique
For expats in Mozambique, NOW Health International offers two international health insurance plans, the comprehensive WorldCare and the SimpleCare plans which offers cost effective coverage and benefits for expats on a budget.
The SimpleCare plan offers three different tiers for expats to choose from: Core, 100, and 250. While the Core tier is designed to only cover sudden, unexpected hospitalizations, surgeries, or cancer treatment, the 100 and 250 includes outpatient expenses and specialist fees.
The annual benefit limit for the SimpleCare plan goes up to US $1,500,000. Below is a table of comparison of the annual benefit limit for each tier:
|
Plan |
SimpleCare Core | SimpleCare 100 |
SimpleCare 250 |
| Annual Benefit Limit | USD $1,000,000 | USD $1,500,000 | USD $1,500,000 |
The WorldCare plans are NOW Health International’s more comprehensive health insurance solution. Expats can expect more benefits and higher annual benefit limits compared to the SimpleCare plans. There are four tiers for the WorldCare plans: Essential, Advance, Excel, and Apex.
Below is a table of comparison of the annual benefits of each tier of the WorldCare plans:
|
Plan |
Essential | Advance | Excel |
Apex |
| Annual Benefit Limit | USD $3,000,000 | USD $3,500,000 | USD $4,000,000 | USD $4,500,000 |
In the table below, we have created a table of comparison to show the coverage and annual benefit limits between the SimpleCare plan and the WorldCare plan:
|
Now Health International’s SimpleCare and WorldCare Plan Comparisons |
||
|
SimpleCare |
WorldCare |
|
| Annual Benefit Limit | USD $1,000,000 to $1,500,000 | USD $3,000,000 to $4,500,000 |
| In-patient and Day-patient Care | Limits Apply | Covered |
| Organ Transplant | Limits Apply | Covered |
| Evacuation and Repatriation | Limits Apply | Covered |
| Mortal Remains | Limits Apply | Limits Apply |
| Pregnancy Medical Conditions | Not Covered | Covered |
| Congenital Disorders | Limits Apply | Limits Apply |
| USA Elective Treatment | Not Covered | Coverage Optional |
| Cancer Treatment | Covered | Covered |
| Day-patient or Out-patient Surgery | Covered | Covered |
DavidShield Group: Real-Time Claims with PassportCard Insurance for Expats in Mozambique
DavidShield Group is a leading international private medical insurance provider in the insurance industry providing services to customers over 150 countries. Leveraging their strategic alliances with healthcare providers worldwide, they are one of the top options in Mozambique.
DavidShield Group offers the PassportCard as a handy insurance solution for expats in Mozambique. This is a great insurance option due to how easily policyholders can make claims and have them settled in real-time, eliminating the need for out-of-pocket payments, complicated claim forms, and lengthy approvals.
Benefits of PassportCard insurance plans:
- Instant Payouts: When seeing a doctor abroad, policyholders can dial the number on the back of their PassportCard. The system will calculate the costs instantly and transfer the money straight onto your card, which can then be used like a normal debit card when accessing medical care.
- No Paperwork Required: PassportCard is the only travel insurer who can settle claims in real-time.
- Re-activation: To activate the PassportCard, all policyholders need to do is contact the insurer before going abroad to activate the policy for a set length of time. This step can be repeated every time you go abroad.
GeoBlue: Global Health Insurance with U.S. Coverage Options for Expats in Mozambique
GeoBlue offers the Xplorer Essential and the Xplorer Premier expat health insurance plans that offer comprehensive international health coverage with an extensive network of providers across over 180 countries including Mozambique.
One of the key differences between the two plans is coverage in the US. The Xplorer Premier comes with comprehensive medical benefits internationally including the US. On the other hand, the Xplorer Essential plan offers US coverage as an add-on.
For expats who don’t plan to visit or return to the US, the Xplorer Essential is a great option to get access to international coverage.
Whilst the coverage for both plans differ, all GeoBlue members have access to the following benefits outside of the US:
- Unlimited telemedicine visits
- Optional dental and vision coverage
- Immediate coverage of pre-existing conditions with proof of previous coverage
- A waived deductible for prescriptions, office visits, and preventative care
Both the Xplorer Essential and the Xplorer Premier plan feature a range of deductible options providing you with effective solutions to manage your premium costs.
|
Xplorer Plans USA Coverage Comparison |
||
|
Xplorer Essential w/ Add-on |
Xplorer Premier |
|
| Medical Maximum Benefit Amount | USD $1,000,000 | Unlimited |
| Coverage Duration within the United States (for US Citizens) | Maximum of three trips per calendar year, 21 days per trip | Capped at 9 months |
| Preventative Care within USA | Not Covered | Yes |
| Ability to Travel to USA for Treatment | No | Yes |
| Outpatient Prescription Drug Coverage | USD $1,000 for prescriptions only related to emergency medical care, illness, and accidental injury | USD $2,500 for Basic Benefit Package, USD $25,000 with Enhanced Prescription Upgrade |
| Outpatient Mental Health Benefits within the USA | Not Covered | In-network: 100% after $30 copay; Out-of-network: 60% |
| USA Benefits for Covered Pre-existing Condition | USD $500 | Unlimited |
| Co-pay for each USA In-Network Physician Office Visit (USD) | $50 | $30 |
Frequently Asked Questions
Is health insurance mandatory in Mozambique?
Health insurance isn’t mandatory in Mozambique but it is highly recommended. While there is private healthcare in the country, the overall healthcare quality is still lacking. As such, it is crucial expats have coverage that provides access to healthcare in neighboring regions like South Africa.
How do I process my Claims from Mozambique?
The specific claims process will vary from insurer to insurer, but typically you will be able to file claims online through your insurer’s website via their mobile portals. Contact your insurer’s customer service hotline to inquire about the exact claims process.
Conclusion
If you are looking to be insured during your stay in Mozambique, Allianz, Bupa, AXA, Cigna, William Russell, VUMI, IMG, NOW Health International, DavidShield, and GeoBlue are some of your best options as an expat.
Whilst private healthcare facilities are available in major cities like Maputo, it is important to be aware that the healthcare in Mozambique is still lacking. In the case where specialized care or treatment is required, expats will have to seek care in neighboring regions such as South Africa.
As such, it is crucial that expats secure a strong international health insurance plan to ensure that they are sufficiently covered over multiple regions.
You can also check our guide on the top 10 international health insurance providers if you are interested in securing an international health insurance plan and need information on some of the best providers. You may also find our health insurance guides for Tanzania and Israel helpful.
If you want to secure an international health insurance plan to protect yourself from unexpected medical expenses, Pacific Prime can help you. With over two decades of experience, our expert advisors can help find a comprehensive plan that suits your needs and requirements.
Contact us today for a free plan comparison and an obligation-free quote!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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