The general state of healthcare in Zambia is poor. Although there are adequate private health facilities in Lusaka, the public health system remains heavily underfunded, and many expats requiring serious medical attention will find themselves evacuated to another country, such as South Africa, where there are better medical facilities. It’s therefore essential that expats have a comprehensive health insurance policy before moving to Zambia.

Public healthcare in Zambia

Zambia offers universal healthcare to all its citizens. By Western standards, this healthcare is very basic and Zambia’s public healthcare system is chronically underfunded. Many Zambian doctors leave the country or work only for the private health system, meaning that public health is subject to a skills drain.

Private healthcare in Zambia

There are good private hospitals in Zambia’s larger cities, particularly Lusaka. These cater not only to foreigners, but also to affluent Zambians. Expats living in mining communities and compounds owned by their organisation are likely to find company-sponsored clinics on site that are able to cater for their basic medical needs. Be that as it may, most expats are evacuated to South Africa or elsewhere in the case that long-term serious medical care is required.

Pharmacies in Zambia

Although pharmacies are available in major towns and cities, they are not always well stocked and may not carry many of the usual drugs that expats may need. Pharmacies may be closed after hours or on Sundays. In the case of an emergency, expats should try pharmacies attached to hospitals or clinics. 

Health insurance in Zambia

It's essential that expats either ensure that any medical insurance cover from outside Zambia covers them in the country, or that medical insurance is taken out immediately upon arrival. It is important that this medical plan is comprehensive, and includes cover for medical evacuations. This should be an essential part of contract negotiations when moving to Zambia.

Health hazards in Zambia

Malaria is a major health concern in Zambia, and expats should consult a doctor for the latest travel advice prior to leaving for Zambia. A mosquito net is therefore an important purchase. These nets cover the bed at night and have a significant effect in reducing mosquito bites. Cholera and dysentery are also common, particularly during the rainy season. Zambia also has a high prevalence of HIV/AIDS. 

The water in Zambian cities is drinkable, but it is best to avoid it. Bottled water is widely available and is generally the best option for new arrivals.

Emergency services in Zambia

Emergency services are inadequate, especially outside of Lusaka. In the case of an emergency, expats can dial 991. For serious emergencies, airlifting to a nearby country with better facilities might be the best course of action. Expats should therefore choose an insurance policy that includes this service.

Expat Health Insurance

Cigna Health Insurance -

Cigna Global

Our trusted partner Cigna Global is very aware of all the difficulties that expats can face when it comes to healthcare in a new location, so they have created a range of international health insurance plans specifically designed for expats,

Cigna is currently giving away a free health and wellbeing module with their Silver, Gold, and Platinum policies. The main benefits of the module are :

  • Routine adult physical examinations - Access to a full suite of physical examinations including BMI, cholesterol, blood sugar, and blood pressure tests
  • Cancer screenings - Including bowel, prostate, breast, lung, skin, and cervical cancer
  • Telephonic Wellness Coaching – Access to a personal coach to support your nutrition, fitness, sleep, stress, weight management, or tobacco cessation goals
  •  Life Management Assistance Programme access - 24/7 client service access to Life Coaching and Cognitive Behavioural Therapy

Get a quote from Cigna Global

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