Zambia is a developing country that is a common destination for tourists and expatriates from all over the world. Zambia’s capital city is Lusaka and the country became independent in 1964 from the UK. In 2010, Zambia was named by the World Bank as one of the fastest economically reformed countries in the world. The country has been making significant improvements to the economy and social systems along with increasing the standard of living and reducing corruption. The country has many attractions, including Victoria Falls, Zambezi river and safaris.

Healthcare in Zambia

While life expectancy in Zambia has improved in the past few decades, Zambia is still a very poor country with a high prevalence of HIV/AIDS and other communicable diseases. The country has full access for local nationals in Zambia, but most of the medical facilities are quite basic from a western perspective.  Most patients who have financial resources will travel to South Africa for medical treatment.

There are pretty good private medical facilities in Zambia in the major expat centers, but most expatriates will want to seek medical treatment for serious injuries or illnesses outside of Zambia. This means that medical evacuation coverage is essential if you plan to reside or travel to Zambia. Medical costs for expatriates in Zambia will be higher than for local nationals. Expat Financial can source excellent healthcare coverage for both expatriates and local nationals in Zambia. To know about healthcare system in Zambia check out our healthcare region page.


You can easily obtain coverage for expatriates in Zambia. Our staff has the necessary knowledge to provide you with complete insurance coverage that will protect your expat staff who are posted to Zambia and other African countries.

Contact Expat Financial today for a more in-depth examination of your insurance needs for Kenya and what plans we can offer you. We have a great deal of experience in sourcing insurance for expatriates and even some local nationals in Africa.

Here is a list of different types of insurance coverage you will want if you are planning to venture into Zambia:

If you require a quote for Zambian insurance, contact Expat Financial today for a quote. Please send along any relevant risk information that may be available.