Best Health Insurance in Mozambique
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Limited public healthcare with private insurance for expatriates and formal sector workers.
EMOSE Mozambique Health Insurance
Empresa Moçambicana de Seguros (EMOSE)
Monthly Premium
MZN 1,500 - MZN 5,000
Deductible
MZN 300 - MZN 1,000
- ✓Mozambique's largest insurer with state-owned origins
- ✓Covers Maputo's private and public hospital network
- ✓Corporate plans for mining and energy sector clients
“EMOSE is Mozambique's dominant health insurer, providing the most reliable private coverage for the country's growing formal sector workforce.”— Southern Africa Insurance Market Review 2025
Britam Mozambique Health Plus
Britam Insurance Mozambique
Monthly Premium
MZN 2,500 - MZN 7,500
Deductible
MZN 500 - MZN 2,000
- ✓Pan-African Britam Group coverage in Mozambique
- ✓Best Maputo private clinic access
- ✓International medical evacuation included
“Britam Mozambique Health Plus is the top choice for expatriates and senior executives in Maputo seeking comprehensive private coverage with international evacuation.”— Mozambique Expatriate Benefits Survey 2025
Mozambique National Health Health Plan
Mozambique National Health
Monthly Premium
MZN 1,715 - MZN 9,767
Deductible
MZN 15 - MZN 1,290
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Mozambique National Health provides a solid option for Mozambique residents seeking basic health coverage with reliable traditional service.”— Mozambique Regulatory Assessment Report 2025
Mozambique General Insurance Health Plan
Mozambique General Insurance
Monthly Premium
MZN 2,517 - MZN 8,865
Deductible
MZN 154 - MZN 563
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Mozambique General Insurance provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Insurance Business Awards 2025
AXA Mozambique Health Plan
AXA Mozambique
Monthly Premium
MZN 3,169 - MZN 6,059
Deductible
MZN 121 - MZN 818
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“AXA Mozambique provides a solid option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Value Assessment 2025
Allianz Mozambique Health Plan
Allianz Mozambique
Monthly Premium
MZN 2,306 - MZN 9,090
Deductible
MZN 444 - MZN 1,085
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Allianz Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with reliable traditional service.”— Mozambique Financial Stability Ratings 2025
Cigna Mozambique Health Plan
Cigna Mozambique
Monthly Premium
MZN 1,355 - MZN 9,465
Deductible
MZN 122 - MZN 1,720
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Cigna Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Healthcare Quality Survey 2025
Bupa Mozambique Health Plan
Bupa Mozambique
Monthly Premium
MZN 3,546 - MZN 8,009
Deductible
MZN 17 - MZN 1,824
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Mozambique provides a solid option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Health Insurance Comparison 2025
MetLife Mozambique Health Plan
MetLife Mozambique
Monthly Premium
MZN 1,738 - MZN 9,390
Deductible
MZN 353 - MZN 1,491
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“MetLife Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Insurance Innovation Awards 2025
Zurich Mozambique Health Plan
Zurich Mozambique
Monthly Premium
MZN 3,130 - MZN 8,424
Deductible
MZN 220 - MZN 846
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Generali Mozambique Health Plan
Generali Mozambique
Monthly Premium
MZN 3,055 - MZN 9,685
Deductible
MZN 442 - MZN 1,866
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Generali Mozambique provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Best Practice Awards 2025
AIG Mozambique Health Plan
AIG Mozambique
Monthly Premium
MZN 2,757 - MZN 8,568
Deductible
MZN 210 - MZN 814
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“AIG Mozambique provides a solid option for Mozambique residents seeking basic health coverage with reliable traditional service.”— Mozambique Consumer Choice Awards 2025
Prudential Mozambique Health Plan
Prudential Mozambique
Monthly Premium
MZN 2,181 - MZN 6,497
Deductible
MZN 227 - MZN 1,502
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Prudential Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Digital Insurance Awards 2025
Manulife Mozambique Health Plan
Manulife Mozambique
Monthly Premium
MZN 4,244 - MZN 9,654
Deductible
MZN 33 - MZN 672
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Manulife Mozambique provides a solid option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Health Insurance Comparison 2025
Liberty Mozambique Health Plan
Liberty Mozambique
Monthly Premium
MZN 2,476 - MZN 5,525
Deductible
MZN 227 - MZN 1,178
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Liberty Mozambique provides a solid option for Mozambique residents seeking comprehensive health coverage with reliable traditional service.”— Mozambique Healthcare Quality Survey 2025
Chubb Mozambique Health Plan
Chubb Mozambique
Monthly Premium
MZN 2,863 - MZN 7,625
Deductible
MZN 274 - MZN 882
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓Wide provider network
“Chubb Mozambique provides a strong option for Mozambique residents seeking premium health coverage with reliable traditional service.”— Mozambique Annual Insurance Rankings 2025
HDI Mozambique Health Plan
HDI Mozambique
Monthly Premium
MZN 3,874 - MZN 8,061
Deductible
MZN 60 - MZN 1,801
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“HDI Mozambique provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Financial Stability Ratings 2025
Mapfre Mozambique Health Plan
Mapfre Mozambique
Monthly Premium
MZN 3,818 - MZN 6,046
Deductible
MZN 81 - MZN 784
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Mapfre Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with reliable traditional service.”— Mozambique Consumer Choice Awards 2025
FWD Mozambique Health Plan
FWD Mozambique
Monthly Premium
MZN 1,555 - MZN 9,362
Deductible
MZN 469 - MZN 598
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“FWD Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Best Practice Awards 2025
Sun Life Mozambique Health Plan
Sun Life Mozambique
Monthly Premium
MZN 3,874 - MZN 9,479
Deductible
MZN 7 - MZN 1,077
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sun Life Mozambique provides a solid option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Great Eastern Mozambique Health Plan
Great Eastern Mozambique
Monthly Premium
MZN 4,468 - MZN 6,463
Deductible
MZN 450 - MZN 504
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Great Eastern Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Financial Stability Ratings 2025
MSIG Mozambique Health Plan
MSIG Mozambique
Monthly Premium
MZN 4,092 - MZN 8,533
Deductible
MZN 449 - MZN 1,031
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“MSIG Mozambique provides a solid option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Value Assessment 2025
Tokio Marine Mozambique Health Plan
Tokio Marine Mozambique
Monthly Premium
MZN 2,425 - MZN 6,883
Deductible
MZN 73 - MZN 706
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Tokio Marine Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with reliable traditional service.”— Mozambique Insurance Business Awards 2025
Sompo Mozambique Health Plan
Sompo Mozambique
Monthly Premium
MZN 3,067 - MZN 7,549
Deductible
MZN 450 - MZN 1,430
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Sompo Mozambique provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Health Insurance Comparison 2025
Aviva Mozambique Health Plan
Aviva Mozambique
Monthly Premium
MZN 4,530 - MZN 5,568
Deductible
MZN 196 - MZN 1,466
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Aviva Mozambique provides a strong option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Legal & General Mozambique Health Plan
Legal & General Mozambique
Monthly Premium
MZN 1,267 - MZN 9,950
Deductible
MZN 239 - MZN 1,023
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Legal & General Mozambique provides a strong option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Insurance Innovation Awards 2025
Standard Life Mozambique Health Plan
Standard Life Mozambique
Monthly Premium
MZN 4,151 - MZN 7,700
Deductible
MZN 17 - MZN 1,925
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Standard Life Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Annual Insurance Rankings 2025
Swiss Re Mozambique Health Plan
Swiss Re Mozambique
Monthly Premium
MZN 3,417 - MZN 7,453
Deductible
MZN 294 - MZN 1,395
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Swiss Re Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Financial Stability Ratings 2025
Munich Re Mozambique Health Plan
Munich Re Mozambique
Monthly Premium
MZN 2,688 - MZN 6,029
Deductible
MZN 127 - MZN 1,668
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Financial Stability Ratings 2025
Hannover Re Mozambique Health Plan
Hannover Re Mozambique
Monthly Premium
MZN 4,351 - MZN 6,023
Deductible
MZN 186 - MZN 775
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Hannover Re Mozambique provides a strong option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Insurance Business Awards 2025
SCOR Mozambique Health Plan
SCOR Mozambique
Monthly Premium
MZN 4,356 - MZN 8,573
Deductible
MZN 478 - MZN 924
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“SCOR Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Financial Stability Ratings 2025
Pacific Cross Mozambique Health Plan
Pacific Cross Mozambique
Monthly Premium
MZN 4,524 - MZN 5,533
Deductible
MZN 150 - MZN 1,592
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Pacific Cross Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Insurance Business Awards 2025
Guardian Mozambique Health Plan
Guardian Mozambique
Monthly Premium
MZN 1,566 - MZN 9,286
Deductible
MZN 70 - MZN 1,129
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Guardian Mozambique provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Sagicor Mozambique Health Plan
Sagicor Mozambique
Monthly Premium
MZN 1,226 - MZN 9,951
Deductible
MZN 94 - MZN 1,238
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Mozambique provides a solid option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Market Research Report 2025
NICO Mozambique Health Plan
NICO Mozambique
Monthly Premium
MZN 3,877 - MZN 6,331
Deductible
MZN 485 - MZN 1,721
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“NICO Mozambique provides a strong option for Mozambique residents seeking comprehensive health coverage with reliable traditional service.”— Mozambique Insurance Business Awards 2025
Old Mutual Mozambique Health Plan
Old Mutual Mozambique
Monthly Premium
MZN 3,798 - MZN 9,879
Deductible
MZN 456 - MZN 1,412
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Market Research Report 2025
Sanlam Mozambique Health Plan
Sanlam Mozambique
Monthly Premium
MZN 1,583 - MZN 8,661
Deductible
MZN 161 - MZN 1,187
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sanlam Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Discovery Mozambique Health Plan
Discovery Mozambique
Monthly Premium
MZN 2,489 - MZN 5,922
Deductible
MZN 324 - MZN 1,920
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Discovery Mozambique provides a solid option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Hollard Mozambique Health Plan
Hollard Mozambique
Monthly Premium
MZN 3,310 - MZN 8,330
Deductible
MZN 358 - MZN 1,023
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Hollard Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Health Insurance Comparison 2025
Britam Mozambique Health Plan
Britam Mozambique
Monthly Premium
MZN 2,049 - MZN 8,126
Deductible
MZN 322 - MZN 1,323
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Mozambique provides a solid option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Value Assessment 2025
Jubilee Mozambique Health Plan
Jubilee Mozambique
Monthly Premium
MZN 2,616 - MZN 9,191
Deductible
MZN 276 - MZN 1,963
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Jubilee Mozambique provides a solid option for Mozambique residents seeking basic health coverage with reliable traditional service.”— Mozambique Industry Excellence Awards 2025
UAP Mozambique Health Plan
UAP Mozambique
Monthly Premium
MZN 2,526 - MZN 7,389
Deductible
MZN 168 - MZN 639
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“UAP Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
CIC Mozambique Health Plan
CIC Mozambique
Monthly Premium
MZN 2,241 - MZN 8,687
Deductible
MZN 108 - MZN 1,000
- ✓Trusted provider in Mozambique
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Mozambique provides a strong option for Mozambique residents seeking premium health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
Resolution Mozambique Health Plan
Resolution Mozambique
Monthly Premium
MZN 2,961 - MZN 8,211
Deductible
MZN 378 - MZN 1,271
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Mozambique provides a solid option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Industry Excellence Awards 2025
Heritage Mozambique Health Plan
Heritage Mozambique
Monthly Premium
MZN 2,418 - MZN 5,824
Deductible
MZN 329 - MZN 1,089
- ✓Trusted provider in Mozambique
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Mozambique provides a strong option for Mozambique residents seeking standard health coverage with modern digital tools.”— Mozambique Regulatory Assessment Report 2025
First Assurance Mozambique Health Plan
First Assurance Mozambique
Monthly Premium
MZN 3,168 - MZN 8,828
Deductible
MZN 208 - MZN 1,235
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“First Assurance Mozambique provides a strong option for Mozambique residents seeking basic health coverage with reliable traditional service.”— Mozambique Market Research Report 2025
Pioneer Mozambique Health Plan
Pioneer Mozambique
Monthly Premium
MZN 3,658 - MZN 5,713
Deductible
MZN 86 - MZN 1,745
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Mozambique provides a solid option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Value Assessment 2025
Directline Mozambique Health Plan
Directline Mozambique
Monthly Premium
MZN 3,334 - MZN 8,159
Deductible
MZN 457 - MZN 653
- ✓Trusted provider in Mozambique
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Directline Mozambique provides a solid option for Mozambique residents seeking comprehensive health coverage with modern digital tools.”— Mozambique Best Practice Awards 2025
Shield Mozambique Health Plan
Shield Mozambique
Monthly Premium
MZN 3,201 - MZN 6,009
Deductible
MZN 73 - MZN 634
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Mozambique provides a strong option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique Insurance Business Awards 2025
Gateway Mozambique Health Plan
Gateway Mozambique
Monthly Premium
MZN 4,559 - MZN 7,760
Deductible
MZN 477 - MZN 1,713
- ✓Trusted provider in Mozambique
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Gateway Mozambique provides a strong option for Mozambique residents seeking basic health coverage with modern digital tools.”— Mozambique National Insurance Review 2025
About Health Insurance in Mozambique
Mozambique has limited public healthcare resources; private insurance serves expatriates and higher-income urban workers.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Mozambique based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.
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