300x85.png)
Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
Expats in Zambia have access to leading international insurers like AXA, Allianz, Bupa, Cigna, and others, with each offering customized health plans and global medical coverage.
Discover the world’s top
health insurers.
Compare quotes with
a click of the button.
Not sure what kind of coverage suits your lifestyle in Zambia? Debating whether to include maternity, dental, or outpatient care? Curious how pre-existing conditions might impact your choices?
This guide breaks down what each provider offers, compares coverage levels and benefit limits, and walks you through how to assess quotes. It also covers how partnering with an insurance broker can help you secure the right coverage while living abroad.
Please note that all monetary values are in United States dollars, unless otherwise noted.
Best Zambia Health Insurance Providers for Expats
Here are the best international health insurance providers for expats in Zambia:
- AXA
- Allianz
- April
- Bupa
- Cigna
- HealthCare International Group
- NOW Health International
- VUMI
- IMG
- DavidShield
- Geoblue
AXA for Expats in Zambia
AXA is a trusted global provider of international health insurance, with over 50 years of experience and more than 95 million clients in 50+ countries. Known for its dependable and expert healthcare solutions, AXA caters specifically to the needs of expatriates.
They offer five adaptable insurance plans tailored for expats, digital nomads, and global professionals. Each plan can be customized to provide varying levels of medical coverage.
AXA plan highlights:
- Foundation Plan: Offers essential coverage for inpatient care, cancer treatment, and emergency medical evacuation. Outpatient services are excluded unless added separately.
- Standard Plan: Builds on the Foundation plan by including dental care (excluding routine checkups). Outpatient and prescription coverage can be added as optional extras—ideal for those wanting more than basic protection.
- Comprehensive Plan: Adds coverage for chronic conditions and vision care, along with full outpatient services. A great fit for expats who need regular access to healthcare.
- Prestige Plan: Includes all benefits from the Comprehensive plan, plus maternity care and annual health screenings. Designed for individuals or families with long-term health needs.
- Prestige Plus Plan: AXA’s most extensive offering, with the highest annual coverage limit and every benefit from the Prestige plan. Perfect for those seeking premium-level protection and complete peace of mind.
Below is a summary of the annual benefit limits of AXA’s plan:
AXA Global Health Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Foundation | $160,000 |
| Standard | $1,600,000 |
| Comprehensive | $2,400,000 |
| Prestige | $3,200,000 |
| Prestige Plus | $8,000,000 |
Allianz in Zambia for Expats
Allianz Care, the international health arm of Allianz Partners, offers support to expatriates in more than 75 countries and communicates in 58 languages.
Renowned for its broad medical network and smooth claims process, Allianz delivers flexible insurance solutions tailored to both individuals and families living abroad.
Allianz’s expat insurance options:
- Care Plan: A basic yet solid option that includes semi-private hospital accommodation, cancer care, emergency evacuation, home nursing, and urgent outpatient treatment.
- Care Plus Plan: Builds on the Care Plan by adding emergency dental coverage and access to private hospital rooms. It also boosts limits for rehabilitation and nursing services—perfect for those who value extra comfort and dental support.
- Care Pro Plan: The most comprehensive package, offering everything in the Care Plus Plan plus coverage for preventive surgeries and laser eye procedures. Designed for expats seeking top-tier benefits and enhanced rehabilitation care.
Below is a summary of the annual benefit limits of Allianz’s plans:
Allianz Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Care | $2,500,000 |
| Care Plus | $4,000,000 |
| Care Pro | $5,000,000 |
April International for Zambia Expats
Based in France, April International has over 30 years of experience in global health insurance. With operations in 12 countries and clients in more than 180, the company is known for its user-friendly digital services and personalized coverage options.
April International’s MyHealth international plans:
- Emergency Plan: A basic plan designed for urgent medical situations and accidents. It covers hospital stays and repatriation but excludes outpatient care, dental, and maternity services.
- Formule Basic: Provides full inpatient care and strong cancer treatment support. Includes limited outpatient services, plus basic dental and vision coverage. Maternity care is not included.
- Essential Plan: Offers broader benefits, including moderate outpatient and preventive care. Covers maternity expenses up to €3,000 (USD $3,502) for natural childbirth, with annual dental coverage of €1,000 (USD $1,167) and vision benefits of €250 (USD $292).
- Comfort Plan: Tailored for families and long-term expatriates, this plan includes extensive outpatient services, full cancer coverage, and maternity benefits up to €6,000 (USD $7,005). Dental coverage reaches €2,000 (USD $2,335) annually, with €500 (USD $584) for vision.
- Premium Plan: The most comprehensive option, featuring maximum outpatient care, full maternity coverage up to €12,000 (USD $14,009), and top-tier dental (€4,000/year; USD $4,670) and vision (€700; USD $818) benefits. Ideal for those who want complete coverage and peace of mind.
Below is a summary of the annual benefit limits of April International’s plans:
April MyHealth International Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (EUR/USD) |
| Emergency | €250,000 (~$290,000) |
| Formule Basic | €500,000 (~$580,000) |
| Essential | €1,000,000 (~$1,164,200) |
| Comfort | €1,500,000 (~$1,746,350) for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: Unlimited |
| Premium | €3,000,000 (~$3,492,710) for Bahamas, Japan,
Puerto Rico, Singapore, and United States. Rest of the World: Unlimited |
Bupa Healthcare Insurance for Expats in Zambia
With over three decades of experience in international healthcare, Bupa Global stands out for its premium services and medical expertise. Operating in more than 190 countries, Bupa offers personalized insurance solutions for individuals, families, and businesses worldwide.
Bupa’s health insurance plans:
- Major Medical Plan: Designed for serious medical situations, this plan includes inpatient care, emergency evacuation, and repatriation. It does not cover outpatient visits, dental treatment, or maternity services.
- Select Plan: Provides regional coverage with both inpatient and outpatient care, along with annual health checkups. However, it excludes dental, vision, and maternity benefits.
- Premier Plan: Offers broader protection, including outpatient services, dental and vision care, vaccinations, and routine health screenings. A strong option for those seeking more complete personal coverage.
- Elite Plan: Tailored for families and long-term expats, this plan includes maternity coverage, dental and vision benefits, private hospital stays, and extensive outpatient care.
- Ultimate Plan: Bupa’s most comprehensive offering, featuring unlimited annual coverage, full maternity benefits, genetic cancer testing, and free coverage for two children under 16 (subject to approval).
Below is a summary of the annual benefit limits of Bupa’s plans:
Bupa Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| Major Medical | About $3,174,200 |
| Select | About $1,587,100 |
| Premier | About $2,380,600 |
| Elite | About $4,761,300 |
Cigna For Expats in Zambia
With over 200 years of experience and operations spanning more than 200 regions, Cigna Global is a trusted name in international healthcare.
Backed by a network of 1.5 million medical professionals and 24/7 multilingual support, Cigna offers flexible insurance plans tailored for expats, international families, and globally mobile individuals.
Cigna’s health plan options:
- Silver Plan: A basic international package that can include or exclude U.S. coverage. It provides inpatient care, cancer treatment, and mental health support up to $5,000. Maternity services are not part of this plan.
- Gold Plan: An upgraded version of the Silver Plan, adding routine maternity coverage (up to $7,000), expanded mental health benefits (up to $10,000), and higher limits for rehabilitation, diagnostic tests, and home nursing. Ideal for those seeking broader protection.
- Platinum Plan: Cigna’s most comprehensive plan, offering unlimited annual coverage. It includes full maternity benefits (up to $14,000), extensive mental health care, advanced diagnostic imaging, and global medical evacuation. Most treatments are fully covered.
Below is a summary of the annual benefit limits of Cigna’s plans:
Cigna Global Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit |
| Silver | $1,000,000 |
| Gold | $2,000,000 |
| Platinum | Unlimited |
HealthCare International Group for Expats in Zambia
Headquartered in the UK, HealthCare International (HCI) has been providing health coverage to expatriates for over 35 years, serving clients in more than 80 countries.
HCI is known for its globally portable insurance plans and flexible tiered options that cater to the unique needs of individuals, families, and retirees living abroad.
The Protector plans:
HCI’s signature product line, the Protector Plans, features five distinct levels of coverage. Each tier is designed to align with the changing healthcare needs of expats—from basic hospital treatment to comprehensive outpatient care and preventive services.
As you move up the tiers, the scope of benefits expands to offer more complete protection.
Below is a summary of the inpatient and outpatient coverage breakdowns under HCI’s Protector plan:
| Inpatient | Standard | Plus | Premium | Executive | |
| Hospital Inpatient Treatment | Covered | Covered | Covered | Covered | Covered |
| Cancer Care | Covered | Covered | Covered | Covered | Covered |
| Outpatient Prescribed Drugs | Not Covered | Not Covered | Partially Covered | Partially Covered | Partially Covered |
| Physician Fees | Not Covered | Not Covered | Partially Covered | Partially Covered | Covered |
| Health Checks | Not Covered | Not Covered | Not Covered | Partially Covered | Partially Covered |
NOW Health International for Expats in Zambia
Since 2010 NOW Health International has been providing global health insurance to expatriates, families, and international students. With access to over one million healthcare providers and a tech-driven approach, they offer adaptable plans to suit a wide range of medical and financial needs.
NOW Health divides its offerings into two main categories: SimpleCare and WorldCare, each designed to match different levels of coverage and budget.
SimpleCare Plans
- SimpleCare Core: Covers hospitalization, cancer treatment, and surgeries. Outpatient care, dental, and maternity services are not included.
- SimpleCare 100: Adds limited outpatient benefits and optional copay features to reduce premiums. Dental and maternity coverage are still excluded for individual plans.
- SimpleCare 250: Includes basic dental care, outpatient consultations, and specialist visits. Maternity benefits are available only for group policies with 10 or more members.
WorldCare Plans
- WorldCare Essential: Offers core inpatient coverage with an annual limit of $3,000,000. Dental is optional, and maternity services are not included.
- WorldCare Advance: Adds outpatient care and higher coverage limits, with optional dental and copay features.
- WorldCare Excel: Expands coverage to include dental treatment, chronic condition support, and advanced rehabilitation services. Maternity is available for group plans.
- WorldCare Apex: The most extensive plan, offering $4,500,000 in annual coverage, full dental and maternity benefits, and broad outpatient services.
Below is a summary of the annual benefit limits of NOW Health International’s plans:
NOW Health International Plans – Annual Benefit Limits |
|
| Plan | Annual Benefit Limit (USD) |
| SimpleCare Core | $1,000,000 |
| SimpleCare 100 | $1,500,000 |
| SimpleCare 250 | $1,500,000 |
| WorldCare Essential | $3,000,000 |
| WorldCare Advance | $3,500,000 |
| WorldCare Excel | $4,000,000 |
| WorldCare Apex | $4,500,000 |
VUMI Healthcare Plans for Expats in Zambia
VIP Universal Medical Insurance Group (VUMI) provides international health coverage that’s fully portable, with high benefit limits, direct billing options, and access to a private global medical network.
Their Global Flex VIP plans are structured in tiers to suit the varied healthcare needs of individuals and families living abroad.
VUMI’s Global Flex VIP plan tiers:
- Basic Plan: Entry-level coverage that includes inpatient care, surgeries, and cancer treatment. It excludes outpatient services, dental care, and maternity benefits.
- Standard Plan: Adds outpatient diagnostic services and offers optional wellness and vision benefits. Emergency dental is covered, but routine dental and maternity care are not included.
- Superior Plan: Expands the coverage to include mental health support, optical care, and maternity benefits up to $12,500. Dental coverage remains limited to emergency treatment.
- Ultra Plan: Introduces routine dental care (available after a nine-month waiting period), more extensive outpatient services, and maternity coverage up to $15,000. A solid choice for families needing broader protection.
- Total Plan: VUMI’s most comprehensive package, offering full maternity benefits (up to $20,000), complete dental and vision coverage, and IVF treatment. Ideal for those seeking premium-level global healthcare.
Below is a summary of the annual benefit limits of VUMI’s plans:
VUMI Global Flex VIP Plans – Annual Benefit Limits |
|
| 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 Health Insurance in Zambia
International Medical Group (IMG), based in the United States, has been offering global health and travel insurance since 1990. Known for its adaptable coverage and reliable international support, IMG is a strong choice for expatriates seeking high-limit plans with customizable features.
IMG serves a wide range of clients—including individuals, families, and organizations—and tailors its plans to suit various lifestyles, from long-term residents abroad to short-term travelers and international students.
IMG’s Global Medical plan tiers:
- Bronze Plan: Entry-level coverage that includes inpatient care, outpatient surgery, and emergency evacuation. It does not offer maternity or newborn benefits.
- Silver Plan: Adds outpatient treatment and specialist consultations, with increased emergency evacuation coverage up to $50,000.
- Gold Plan: Expands outpatient services further, includes coverage for adventure sports, and offers more generous prescription drug benefits.
- Platinum Plan: IMG’s most inclusive plan, featuring maternity coverage (after a 10-month waiting period), newborn care, terrorism-related medical protection, and full emergency evacuation services
Below is a summary of the lifetime benefit limits of IMG’s plans:
IMG Global Medical Insurance – Lifetime Limits |
|
| Plan | Lifetime Limit (USD) |
| Bronze | $1,000,000 per individual |
| Silver | $5,000,000 per individual |
| Gold | $5,000,000 per individual |
| Platinum | $8,000,000 per individual |
DavidShield Plans for Expats in Zambia
DavidShield—also known as PassportCard—offers international health coverage designed for expatriates living in Zambia. Its standout feature is a prepaid insurance card that allows instant payment for medical services, removing the need for traditional reimbursement claims and paperwork.
PassportCard Health plan options:
- PassportCard Global Plan (No U.S. Coverage): Provides broad international health insurance for expats, mirroring the benefits of the Relocation Worldwide plan but without access to healthcare services in the United States.
- PassportCard Relocation Worldwide Plan: A comprehensive global plan that includes hospital care, maternity services, mental health support, emergency evacuation, pediatric treatment, and coverage for pre-existing conditions. Ideal for expats planning to live abroad long-term.
Below is a summary of the benefits under DavidShield’s PassportCard:
| Benefit Type | Coverage Offered |
| Worldwide Coverage | Included with the Worldwide plan |
| Inpatient Care | Covered |
| Outpatient Care | Partial Coverage |
| Emergency Medical Evacuation | Covered |
| Emergency Transportation & Care | Covered |
| Cancer Care | Not Covered |
| Maternity Care | Covered |
| Mental Health Care | Covered |
| Dental | Not Covered |
| Optical | Not Covered |
Below is how much coverage each DavidShield plan offers annually for expats living in Zambia:
| Plan | Annual Benefit Limit (USD) |
| Global Plan (Excluding the U.S.) | About $4,100,000 |
| Relocation Worldwide | $5,000,000 |
GeoBlue Insurance Plans for Expats in Zambia
GeoBlue offers premium international health insurance designed for expatriates, frequent travelers, and globally mobile individuals. It’s particularly beneficial for Americans living overseas who want reliable healthcare access both abroad and back in the U.S.
Their plans are tailored for long-term stays, featuring 24/7 support, virtual healthcare options, and coordinated care across international borders.
GeoBlue expat plan options:
- Xplorer Essential: Ideal for expats who don’t need coverage in the U.S. This plan provides up to $1 million in annual benefits, covering inpatient and outpatient care worldwide, mental health services, and optional dental and vision coverage.
- Xplorer Premier: GeoBlue’s most comprehensive plan, offering unlimited annual coverage and access to U.S. healthcare for up to nine months each year. It includes enhanced prescription benefits, maternity care, and full access to the Blue Cross Blue Shield PPO network.
Below is a summary of the annual benefit limits of GeoBlue’s plans:
GeoBlue Insurance Plans – Annual Benefit Limits |
|
| Plan | Benefit Limit (USD) |
| Xplorer Essential | $1,000,000 |
| Xplorer Premier | Unlimited |
Why Use a Broker for Health Insurance in Zambia
Navigating the health insurance landscape in Zambia can be overwhelming–especially for expats unfamiliar with the local market. With countless providers and plan options, finding the right coverage can feel like searching for a needle in a haystack.
That’s where brokers come in. Insurance brokers, like Pacific Prime, bring deep expertise, personalized guidance, and insider access to a wide range of plans. They simplify the process, helping you choose coverage that fits your lifestyle, medical needs, and budget.
Key Benefits of Working with a Broker
By partnering with a broker, expats can make confident, informed decisions—ensuring they’re protected when it matters most.
Here are some benefits of working with an insurance broker:
- In-depth knowledge of Zambia’s health insurance market
- Tailored recommendations based on your individual circumstances
- Access to multiple insurers and plan options
- Support throughout the application and claims process
How to Compare Health Insurance Quotes in Zambia
When reviewing health insurance options in Zambia, especially as an expat, it’s essential to look beyond just the monthly premium. A smart comparison should take several key factors into account:
- Coverage: Examine what medical services are included. Plans can range from basic outpatient care to comprehensive packages that cover hospitalization, maternity, specialist visits, and emergency evacuation.
- Deductibles: Understand how much you’ll need to pay out of pocket before your insurance kicks in. While higher deductibles can lower your premium, they may result in greater upfront costs during treatment.
- Copayments: Check if the plan requires fixed payments for services like doctor visits or prescriptions. These costs can accumulate quickly depending on how often you seek care.
- Exclusions: Read the fine print to spot any conditions or treatments that aren’t covered. Common exclusions include pre-existing conditions, elective procedures, and certain therapies.
- Provider Network: Make sure the insurer has established partnerships with hospitals and clinics in Zambia. A strong network can significantly improve the quality and ease of your healthcare experience.
Find the Best Health Insurance in Zambia with Pacific Prime
Navigating international health insurance in Zambia doesn’t have to be complicated. Pacific Prime helps expats connect with trusted global insurers, expert advice, and personalized plan comparisons tailored to life in Zambia.
Whether you’re looking for full coverage or a more cost-effective solution, we make the process smooth and hassle-free. Contact us for a free, no-obligation quote and take the first step toward dependable healthcare while living abroad.
Frequently Asked Questions
What should I consider when choosing a health insurance plan in Zambia?
Look beyond the monthly premium; evaluate coverage types, deductibles, copayments, exclusions, and provider networks to find a plan that fits your lifestyle and medical needs.
How do pre-existing conditions affect my insurance options?
Some insurers may limit coverage or impose waiting periods for pre-existing conditions, so it’s important to review each provider’s policy before committing.
Is maternity care typically included in expat health insurance plans?
Maternity benefits vary widely. Some plans offer full coverage, while others exclude it or only provide it for group policies. Always check the benefit limits and eligibility.
Why is working with a broker helpful when selecting a plan?
Brokers offer expert guidance, access to multiple insurers, and personalized recommendations. They also assist with applications and claims, making the process smoother.
Are international insurers partnered with local hospitals in Zambia?
Many global providers maintain networks with hospitals and clinics in Zambia, which can improve access to care and simplify billing through direct payment arrangements.
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
- How to Find Digital Nomad Jobs in Thailand – October 22, 2025
- Top 12 Insurance Companies in Serbia for Expats – October 21, 2025
- Expat’s Guide: Pros and Cons of Living in Thailand – October 20, 2025
