Maputo Travel Insurance
Everything you need to know before your trip
Healthcare Cost Level
Moderate
Avg. ER Visit
$150
Recommended Coverage
$250,000
Evacuation Risk
High
Insurance Coverage Warning
Some insurers exclude or limit coverage due to political instability and healthcare infrastructure concerns
Healthcare in Maputo
What to expect if you need medical care
Healthcare in Maputo operates on a moderate cost tier, with emergency room visits averaging $150 and hospital stays around $200 per day. However, these seemingly reasonable costs mask a more challenging reality: medical facilities are limited in quality, particularly outside major cities. English-speaking medical staff are scarce, creating communication barriers during emergencies. The infrastructure limitations mean that for serious medical conditions, you'll likely need evacuation to South Africa where quality healthcare is available. Poor transport infrastructure compounds these challenges, making even routine medical situations potentially complicated. While basic care exists for minor issues, anything requiring specialized treatment or surgery will expose the system's limitations quickly.
What Your Policy Should Cover
Country-specific considerations for Maputo
Your policy must prioritize emergency medical evacuation coverage, as limited facilities outside major cities and poor transport infrastructure make evacuation to South Africa often necessary for serious conditions. Ensure your coverage explicitly includes malaria treatment, as this is a year-round high risk throughout Mozambique. If you're planning safari or wildlife viewing activities, verify that wildlife encounters are covered, as these can be commonly excluded. For water sports enthusiasts, check carefully—these high-risk activities may be excluded from standard policies. Remote area travel requires specific emergency evacuation coverage given the infrastructure challenges. Additionally, ensure coverage during cyclone and flooding season (November to April) if traveling then, and verify your policy includes cholera, dengue fever, and yellow fever treatment.
Malaria
High Risk
Peak: year-round
Cholera_outbreaks
Moderate Risk
Peak: rainy season
Dengue_fever
Moderate Risk
Peak: year-round
Cyclones_flooding
High Risk
Peak: November to April
Yellow_fever
Moderate Risk
Peak: year-round
Activity-Specific Coverage
Safari_wildlife_viewing: Ensure coverage includes wildlife encounters
Water_sports: High risk activities may be excluded
Remote_area_travel: Emergency evacuation coverage essential
How Much Coverage Do You Need?
Our recommendation based on Maputo's healthcare costs
The recommended $250,000 coverage amount reflects Maputo's high evacuation risk level. While daily healthcare costs appear moderate at $150 for ER visits and $200 per hospital day, medical evacuation to South Africa can cost tens of thousands of dollars. Air ambulance services, specialized medical transport, and the necessary accompanying medical staff during evacuation quickly escalate costs. The minimum $100,000 might cover a straightforward evacuation, but $250,000 provides necessary buffer for complications, extended hospital stays in South Africa, and repatriation costs.
Minimum
$100,000
Basic emergencies only
Recommended
$250,000
Full protection
Making a Claim in Maputo
Tips for smooth claims processing
Documentation Required: Medical reports, receipts, police reports if applicable, proof of evacuation necessity, consular documentation
- Gather comprehensive documentation for any medical incident: medical reports, all receipts, and proof of evacuation necessity are required for claims, which are considered difficult to process in Mozambique
- Obtain police reports immediately for any incident involving theft, accidents, or crime, as these are specifically required for claims processing
- Request consular documentation from your embassy if you experience serious medical or security incidents, as this is part of the required claims documentation
- Keep all original receipts and make multiple copies—healthcare facilities may have limited administrative capabilities for recreating documentation
- Document everything with photos and written notes, as the claims difficulty rating means you'll need thorough evidence to support your case
Get Covered for Maputo
Adventure destinations like Maputo require solid evacuation coverage. Don't leave without it.
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