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Africa proposition

Introducing our health insurance plans for Africa

Health insurance for expats, local nationals, and businesses across the African continent.

“Africa is booming and we’ve redesigned our proposition to make our products and services clearer, more relevant, and better priced.”

Tariq Siddiqi
Tariq Siddiqi
Commercial Director

Our health plans for people living in Africa

Bronze

  • Hospital costs
  • Cancer care
  • Medical evacuations
  • Cheapest rates
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  • Hospital costs
  • Cancer care
  • Medical evacuations
  • Cheapest rates
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SilverLite

  • Hospital costs
  • Cancer care
  • Capped out-patient costs
  • Medical evacuations
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  • Hospital costs
  • Cancer care
  • Capped out-patient costs
  • Medical evacuations
Learn more
  • All the benefits of Bronze
  • Higher benefit limits
  • Out-patient costs
  • Well-being benefits
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  • All the benefits of Bronze
  • Out-patient costs
  • Well-being benefits
  • Option for maternity benefits
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Gold

  • All the benefits of Silver
  • Highest benefit limits
  • Routine dental benefits
  • Maternity benefits
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  • All the benefits of Silver
  • Highest benefit limits
  • Routine dental benefits
  • Maternity benefits
Learn more
Medevac

Emergency medical evacuation when treatment isn’t available locally

Emergency medical evacuation (medevac) is a critical benefit across Africa. With the assistance of CEGA, we work with most air ambulance providers across Africa to organise the safest and speediest medevacs for our members.

Area of cover

Geographical cover to suit all budgets

Areas of cover are the terroritorial limits of a member’s cover under their plan. For members living in Africa, we have 4 areas of cover. So whether the member wants worldwide cover or only cover while in Africa, we’ve got options for every budget.

Claims

Quick access to the best private hospitals

Often the costs of out-patient treatment are small, so the easiest way is for the member to pay and claim. For in-patient treatment, we provide a claims concierge service to our members. We encourage members to call us first, and we’ll arrange their admission and Guarantees of Payment (GOPs) directly with hospitals. We work with a range of agents to facilitate speedy admissions at 5,000 hospitals across Africa.

Medical providers

Stress-free access to in-patient care

Our members can rely on our networks and our partners’ networks for stress-free access to the best hospitals across Africa. We have relationships with the most popular hospitals amongst expats and the key hospitals in major urban areas.

Smartphone app

Travel assistance & security info in your pocket

Personal security is a big concern across Africa. Members with health insurance receive complementary access to our security smartphone app, with location-based, near real-time alerts about security incidents.

Our team

Here’s our team of consultants working on Africa business.

What sets our Africa proposition apart from the rest

We have members across Africa

We’re a pan-Africa insurance provider, with members in 32 out of 54 countries.

In 2021, we issued GOPs for 85% of in-patient cases across Africa with no complications

For 10% of cases, we worked with our local agents to secure admissions. Only 5% self-claimed for their treatment.

100% success rate with medevacs

We’ve never let a member down when they need emergency medical evacuation.

Relationships with the most popular hospitals

Through our network and the network of our local agents, we have working relationships with the most popular hospitals in Africa.

We cover local nationals in Africa countries

We can provide insurance to local nationals in Botswana, Kenya, Malawi, Mauritius & several other countries.

Blog posts on Africa

Frequently asked questions

No. The health plans we provide in Africa are the same as those we provide elsewhere. Instead, we have a range of options (e.g. areas of cover, excesses, optional benefits) that are designed for members in Africa.

Where the plans differ is the pricing. In general, our premiums for African countries are much lower than premiums for countries in other regions.

We also have slightly different rules for plans in Africa. For example, in several African countries we can provide insurance to local nationals.

Africa, together with Southeast Asia, has always been a key region for William Russell. We’re redoubling that commitment with a dedicated website hub and collateral, while we’re working closely with our insurers to make our Africa proposition more appealing to individuals, families, and companies in Africa.

No. An insurer in the Allianz group of companies is the underwriter for all our health insurance plans and protection plans in Africa.

We can accept local nationals in the following countries.

Botswana, Egypt, Gabon, Ghana, Guinea, Morocco, Nigeria, South Africa, Ethiopia, Kenya, Malawi, Mauritius, Mozambique, Seychelles, Somalia, Tanzania, Uganda, Zambia, Zimbabwe.

We can accept expats in all Africa countries.

We have members in 31 countries in Africa. The map below shows how they’re distributed through Africa. A pink icon indicates that we accept local nationals in that country.

 

Africa Renewing Lives Infographic

We have working relationships with the main hospitals in most Africa countries. You can find out more about those hospitals on our dedicated medical network webpage.

We have a range of discounts for new members in Africa, including lifetime discounts. Please check out our Promotions Centre for up-to-date information.

Ready to talk? Schedule a call with our Africa Desk