Do I need Health Insurance When Moving to Tanzania?

When planning a move to Tanzania as an expat or digital nomad, one of the essential considerations is healthcare. Tanzania does not have a universal healthcare system that automatically covers foreigners, and the quality of public healthcare facilities may not meet the standards that many expats are accustomed to. Therefore, it is advisable to have a comprehensive health insurance plan in place upon arrival. While Tanzania does not currently enforce a mandatory health insurance requirement for obtaining residency, having coverage is crucial for ensuring access to private healthcare facilities, which generally offer higher quality services. It is important to ensure that your health insurance plan covers a sufficient amount of medical expenses, includes repatriation services if necessary, and is valid for the entire duration of your stay or until you are eligible for any local healthcare services.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the needs of individuals living abroad, including coverage for a wide range of medical services that may not be readily available through public healthcare in Tanzania. These plans typically offer the flexibility to seek treatment from private hospitals and clinics, which is a significant advantage. However, it is important to verify that the chosen insurance plan is recognized by Tanzanian healthcare providers and covers the specific healthcare services you may need. Additionally, ensure that the policy includes medical evacuation and repatriation, which can be crucial in emergency situations, especially if you plan to travel to remote areas within the country.

Which local health insurers offer this type of insurance?

In Tanzania, there are several local health insurance providers that offer plans suitable for expats and digital nomads. Companies such as Jubilee Insurance, Strategies Insurance Tanzania, and the National Health Insurance Fund (NHIF) offer various health insurance products that can cater to different needs and budgets. These local insurers typically provide plans that allow access to a network of private hospitals and clinics. It is advisable to compare the coverage options, premiums, and customer service of these local insurers to find a plan that best suits your individual circumstances and provides comprehensive coverage.

Advice from Expats in Tanzania about Health Insurance

Experienced expats in Tanzania often emphasize the importance of obtaining a health insurance plan that offers extensive coverage, given the potential high costs of private healthcare and the limited facilities available in public hospitals. They recommend choosing a plan that includes coverage for chronic conditions, prescription medications, and emergency medical evacuation. It's also advised to look for insurance with a straightforward claims process and a good track record of paying out claims promptly. Additionally, consider the geographical coverage of the plan, especially if you plan to travel within East Africa. Lastly, expats suggest reviewing the terms and conditions of the insurance policy carefully to understand any exclusions or limitations and to ensure that the plan provides adequate protection for your health and well-being while living in Tanzania.