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Expats in Zimbabwe can choose from top international insurers like AXA, Allianz, Bupa, and Cigna, each offering tailored health plans with worldwide medical coverage.
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Unsure which plan fits your lifestyle in Zimbabwe? Wondering whether to include maternity, dental, or outpatient care? Not sure how pre-existing conditions might affect your options?
This guide explores what each insurer provides, compares coverage levels and benefit limits, and helps you evaluate quotes. It also explains how working with a broker can simplify the process and ensure you get the right protection while living abroad.
Please note that all monetary values are in United States dollars, unless otherwise noted.
Top Zimbabwe Health Insurance Providers for Expats
The following are the best international health insurance providers for expats in Zimbabwe:
- AXA
- Allianz
- April
- Cigna
- Bupa
- HealthCare International Group
- VUMI
- NOW Health International
- IMG
- DavidShield
- Geoblue
AXA for Expats in Zimbabwe
AXA is a global leader in international health insurance, trusted by over 95 million clients across 50+ countries. With 50+ years of expertise, AXA focuses on providing reliable healthcare for expats.
AXA offers five customizable plans for expats, digital nomads, and global professionals. Each plan provides different levels of medical coverage to suit diverse needs.
AXA’s flexible coverage options:
- Foundation Plan: This basic plan covers inpatient care, cancer treatment, and emergency evacuation. Outpatient services aren’t included unless added separately.
- Standard Plan: Includes all Foundation benefits plus dental (excluding checkups). Outpatient and prescriptions can be added. This plan is ideal for those wanting more than basic care.
- Comprehensive Plan: Adds coverage for chronic illnesses, vision care, and full outpatient services. Great for expats needing frequent medical access.
- Prestige Plan: Offers all Comprehensive benefits, plus maternity care and annual health checks. This plan is designed for the long-term health needs of individuals or families.
- Prestige Plus Plan: AXA’s top-tier plan includes everything from Prestige, with the highest coverage limit. Ideal for those wanting maximum protection and 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 Zimbabwe for Expats
Allianz Care, the international health arm of Allianz Partners, supports over 75 countries and offers services in 58 languages, allowing for reliable global service and international reach.
With a strong medical network and easy claims process, Allianz offers adaptable insurance plans for individuals and families abroad.
Allianz’s trusted and flexible coverage:
- Care Plan: This entry-level plan includes semi-private hospital stays, cancer care, emergency evacuation, home nursing, and urgent outpatient treatment.
- Care Plus Plan: Adds dental emergency coverage and private hospital rooms. It also increases rehab and nursing limits; ideal for those wanting added comfort and dental care.
- Care Pro Plan: Allianz’s top-tier plan includes everything in Care Plus, plus preventive surgeries and laser eye treatment. This plan is perfect for expats seeking premium health benefits.
Here is a summary of the annual benefit limits of Allianz’s Plans:
Allianz International Health 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 Zimbabwe Expats
April International, based in France, has 30+ years of global health insurance experience. Active in 12 countries, it serves clients in 180+ countries with digital tools and tailored coverage.
April International’s plans:
- Emergency Plan: Covers hospital stays and repatriation for emergencies and accidents. Outpatient, dental, and maternity care are omitted.
- Formule Basic: Includes full inpatient care and cancer support. Offers limited outpatient, basic dental, and vision coverage. This plan has no maternity benefits.
- Essential Plan: Adds moderate outpatient and preventive care. Covers maternity up to €3,000 (USD $3,502), dental up to €1,000 (USD $1,167), and vision up to €250 (USD $292).
- Comfort Plan: Designed for families, with full cancer care and extensive outpatient services. Maternity up to €6,000 (USD $7,005), dental €2,000 (USD $2,335), vision €500 (USD $584).
- Premium Plan: Top-tier plan with full outpatient and maternity up to €12,000 (USD $14,009). Dental €4,000/year (USD $4,670), vision €700 (USD $818). Ideal for full coverage seekers.
Below is a summary of the annual benefit limit 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 |
Cigna For Expats in Zimbabwe
Cigna Global brings 200+ years of healthcare expertise across 200+ regions. It supports expats with flexible plans and 24/7 multilingual assistance. With 1.5 million medical partners worldwide, Cigna offers tailored insurance for expats, international families, and digital nomads.
Cigna’s health plan options:
- Silver Plan: Basic coverage with optional US access. Includes inpatient care, cancer treatment, and mental health support up to $5,000. No maternity benefits.
- Gold Plan: Adds maternity coverage up to $7,000, mental health up to $10,000, and higher limits for rehab, diagnostics, and nursing. Great for broader protection.
- Platinum Plan: Top-tier plan with unlimited coverage. Includes maternity up to $14,000, full mental health care, advanced imaging, and global evacuation. Most services 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 (USD) |
| Silver | $1,000,000 |
| Gold | $2,000,000 |
| Platinum | Unlimited |
Bupa Healthcare Insurance for Expats in Zimbabwe
Bupa Global has over 30 years of international healthcare experience and is active in more than 190 countries. It offers premium health insurance for individuals, families, and businesses.
Bupa’s health insurance plans:
- Major Medical Plan: Covers serious medical needs like inpatient care, evacuation, and repatriation. Outpatient, dental, and maternity services are not included.
- Select Plan: Provides inpatient and outpatient care with annual checkups. Dental, vision, and maternity benefits are excluded.
- Premier Plan: Includes outpatient care, dental and vision services, vaccinations, and health screenings. This plan is ideal for those wanting fuller personal coverage.
- Elite Plan: Designed for families and long-term expats. Covers maternity, dental, vision, private hospital stays, and extensive outpatient services.
- Ultimate Plan: Top-tier plan with unlimited coverage, full maternity benefits, genetic cancer testing, and free coverage for two kids under 16 (with approval).
Below is a summary of the annual benefit limits of Bupa’s plans:
Bupa International 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 |
HealthCare International Group for Expats in Zimbabwe
UK-based HealthCare International (HCI) has 35+ years of experience, serving expats in 80+ countries with reliable global health coverage. HCI offers portable insurance with tiered options tailored for individuals, families and retirees abroad.
The Protector Plans include five coverage levels, from basic hospital care to full outpatient and preventive services. Higher tiers offer expanded benefits, ensuring more complete protection as healthcare needs evolve.
Below is a breakdown of HCI’s inpatient and outpatient benefits coverage:
| 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 |
VUMI Healthcare Plans for Expats in Zimbabwe
VIP Universal Medical Insurance Group (VUMI) offers portable global health coverage with high limits, direct billing, and access to a private medical network. VUMI’s Global Flex VIP plans come in five tiers, designed to meet the diverse healthcare needs of expats and their families.
VUMI’s Global Flex VIP plan tiers:
- Basic Plan: Covers inpatient care, surgeries, and cancer treatment. Outpatient, dental, and maternity are excluded.
- Standard Plan: Adds outpatient diagnostics and optional wellness and vision. Covers emergency dental, but excludes routine dental and maternity care.
- Superior Plan: Includes mental health, optical care, and maternity benefits up to $12,000. Dental remains limited to emergencies.
- Ultra Plan: Offers routine dental (after 9 months), expanded outpatient care, and maternity coverage up to $15,000. Great for family needs.
- Total Plan: Top-tier plan with full maternity ($20,000), full dental and vision, and IVF coverage. Ideal for premium global protection.
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 |
NOW Health International for Expats in Zimbabwe
Since 2010, NOW Health International has offered global insurance for expats, families, and students. With over 1,000,000 providers and a tech-savvy approach, their plans suit various medical and financial needs.
NOW Health offers SimpleCare and WorldCare plans, each tailored to different coverage levels and budgets.
SimpleCare Plans
- SimpleCare Core: Covers hospitalization, surgery, and cancer care. Outpatient, dental, and maternity services are excluded.
- SimpleCare 100: Adds limited outpatient care and optional copays to lower premiums. Dental and maternity are excluded for individuals.
- SimpleCare 250: Includes basic dental, outpatient visits, and specialists. Maternity is only for group plans with 10+ members.
WorldCare Plans
- WorldCare Essential: Provides inpatient coverage with a $3,000,000 annual limit. Dental is optional; maternity is not included.
- WorldCare Advance: Adds outpatient care and higher limits. Dental and copay options are available.
- WorldCare Excel: Covers dental, chronic conditions, and rehab. Maternity benefits apply to group plans.
- WorldCare Apex: Top-tier plan with $4,500,000 annual coverage, full dental and maternity, and extensive outpatient services.
Below is a summary of the annual benefit limit 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 |
IMG Health Insurance in Zimbabwe
Based in the US, International Medical Group (IMG) has offered global health and travel insurance since 1990. Known for flexible coverage and strong international support, it’s a top pick for expats needing high-limit, customizable plans.
IMG serves individuals, families, and organizations. Plans suit long-term expats, short-term travelers, and international students.
IMG’s Global Medical plan tiers:
- Bronze Plan: Basic coverage includes inpatient care, outpatient surgery, and emergency evacuation. Maternity and newborn care are excluded.
- Silver Plan: Adds outpatient treatment and specialist visits. Emergency evacuation coverage increases to $50,000.
- Gold Plan: Offers broader outpatient care, adventure sports coverage, and enhanced prescription drug benefits.
- Platinum Plan: Top-tier plan with maternity (after 10 months), newborn care, terrorism-related coverage, and full emergency evacuation.
Below is a summary of the lifetime benefit limits of IMG’s plans:
IMG Global Medical Insurance – Lifetime Benefit 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 Zimbabwe
DavidShield, also known as PassportCard, offers global health insurance for expats. Its key feature is a prepaid card that pays providers instantly—no claims or paperwork needed.
PassportCard Health plan options:
- PassportCard Global Plan: Covers broad international healthcare, similar to the Relocation plan, but excludes access to US medical services.
- PassportCard Relocation Worldwide Plan: Comprehensive coverage includes hospital care, maternity, mental health, emergency evacuation, pediatric care, and pre-existing conditions. Ideal for long-term expats.
| 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 Zimbabwe:
| Plan | Annual Benefit Limit (USD) |
| Global Plan (Excluding the US) | About $4,100,000 |
| Relocation Worldwide | $5,000,000 |
GeoBlue Insurance Plans for Expats in Zimbabwe
GeoBlue offers high-end global health insurance for expats, frequent travelers, and mobile professionals. It’s especially useful for Americans abroad needing care both internationally and in the US.
Plans are built for extended stays and include 24/7 assistance, virtual care, and coordinated services across borders.
GeoBlue expat plan options:
- Xplorer Essential: Covers inpatient and outpatient care worldwide, mental health, and optional dental/vision. Offers up to $1,000,000 annually, but excludes US coverage.
- Xplorer Premier: GeoBlue’s top plan with unlimited coverage, US access for nine months/year, maternity care, full Blue Cross PPO access, and enhanced prescriptions.
Below is a summary of the annual benefit limits of GeoBlue’s plans:
GeoBlue International Plans – Annual Benefit Limits |
|
| Plan | Benefit Limit (USD) |
| Xplorer Essential | $1,000,000 |
| Xplorer Premier | Unlimited |
Why Use a Broker for Health Insurance in Zimbabwe
Navigating Zimbabwe’s health insurance market can be daunting—especially for expats unfamiliar with local providers and coverage options. With so many plans to choose from, finding the right fit can feel overwhelming.
That’s where insurance brokers come in. Experts like Pacific Prime offer personalized advice, insider access to top insurers, and a clear path through the complexity. They help you select a plan that aligns with your health needs, lifestyle, and budget.
Top Reasons to Use a Broker
Partnering with a broker empowers expats to make informed choices and feel confident in their coverage.
Benefits include:
- Deep understanding of Zimbabwe’s insurance landscape
- Customized recommendations based on your situation
- Access to a wide range of plans and providers
- Ongoing support with applications and claims
Find the Best Health Insurance in Zimbabwe with Pacific Prime
Securing international health insurance in Zimbabwe doesn’t have to be a challenge. Pacific Prime connects expats with top global insurers, expert guidance, and tailored plan comparisons suited to life in Zimbabwe.
Whether you need comprehensive coverage or a budget-friendly option, we make the process simple and stress-free. Contact us for a free, no-obligation quote, and take the first step toward reliable healthcare while living abroad.
Frequently Asked Questions
How much does international health insurance typically cost for expats in Zimbabwe?
Premiums vary based on age, health, and coverage level. Individual plans usually range from USD $500 to $2,000 annually, while family plans cost more.
What should I consider when comparing health insurance plans?
Look at coverage depth, deductibles, exclusions, and provider networks. Comparing options from major insurers like Cigna, Bupa, Allianz, and AXA can help you find the best fit.
Are pre-existing conditions covered by international insurers?
Coverage for pre-existing conditions depends on the provider and plan. Some may include it with restrictions, waiting periods, or specific terms.
What types of coverage are available to expats in Zimbabwe?
Plans range from emergency-only to comprehensive packages that include outpatient care, chronic condition management, maternity, and dental services.
How can I get help choosing the right insurance plan?
Working with a broker can simplify the process. They offer personalized advice and help match your needs with the most suitable plan.
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.
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