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Market Leader

EMOSE Mozambique Health Insurance

by Empresa Moçambicana de Seguros (EMOSE)

★★★☆☆3.7(980 reviews)

EMOSE is Mozambique's largest insurance company with state-owned origins, now partially privatised. The Health Insurance plan provides essential coverage for Mozambican employees and corporate clients in Maputo and accessible provincial centres.

Monthly Premium

MZN 1,500 - MZN 5,000

Deductible

MZN 300 - MZN 1,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Dominant market presence and financial stability
✓Good Maputo hospital network
✓Corporate plan expertise for large employers

Cons

✗Network very limited outside Maputo
✗No international coverage
✗Minimal digital tools

Editorial Review

“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

Key Highlights

✓Mozambique's largest insurer with state-owned origins
✓Covers Maputo's private and public hospital network
✓Corporate plans for mining and energy sector clients

Quick Summary

ProviderEmpresa Moçambicana de Seguros (EMOSE)

CountryMozambique

Rating3.7/5

Reviews980

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