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Best Health Insurance in Zambia
50 plans ranked and reviewed · Updated April 2026
Healthcare System Overview
Free public healthcare with private insurance serving formal sector and higher-income populations.
#1
Madison Health Insurance Zambia
Madison General Insurance Zambia
Editor's ChoiceMost Popular
★★★★☆4(1,840 reviews)
Monthly Premium
ZMW 800 - ZMW 2,500
Deductible
ZMW 150 - ZMW 600
- ✓Zambia's most trusted private health insurer
- ✓Wide Lusaka and Copperbelt hospital network
- ✓Medical evacuation to South Africa included
“Madison Health Insurance is Zambia's leading private health plan, valued for its reliable claims service and medical evacuation to South Africa.”— Zambia Insurance Industry Report 2025
#2
Zambia State Insurance Health
Zambia State Insurance Corporation (ZSIC)
Government-BackedBest Value
★★★☆☆3.7(1,320 reviews)
Monthly Premium
ZMW 500 - ZMW 1,500
Deductible
ZMW 100 - ZMW 400
- ✓Zambia's state-owned insurer with national coverage
- ✓Affordable plans for government and parastatal employees
- ✓Accepted at University Teaching Hospital and private partners
“ZSIC Health is the dependable, government-backed option for Zambian public sector employees, offering affordable coverage at national healthcare facilities.”— Zambia Social Protection Review 2025
#3
Zambia National Health Health Plan
Zambia National Health
Most AffordableBest OutpatientBest App
★★★☆☆3.6(9,312 reviews)
Monthly Premium
ZMW 292 - ZMW 977
Deductible
ZMW 50 - ZMW 148
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Zambia National Health provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Zambia General Insurance Health Plan
Zambia General Insurance
Best Wellness ProgramBest for Expats
★★★☆☆3.6(3,043 reviews)
Monthly Premium
ZMW 388 - ZMW 966
Deductible
ZMW 47 - ZMW 118
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zambia General Insurance provides a solid option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Healthcare Quality Survey 2025
AXA Zambia Health Plan
AXA Zambia
Best for Young Adults
★★★★☆4.2(16,261 reviews)
Monthly Premium
ZMW 222 - ZMW 840
Deductible
ZMW 10 - ZMW 147
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“AXA Zambia provides a strong option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Health Insurance Comparison 2025
Allianz Zambia Health Plan
Allianz Zambia
Best Urban CoverageBest Chronic CareBest for Expats
★★★★☆4.7(13,279 reviews)
Monthly Premium
ZMW 448 - ZMW 644
Deductible
ZMW 25 - ZMW 157
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Allianz Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with reliable traditional service.”— Zambia Value Assessment 2025
Cigna Zambia Health Plan
Cigna Zambia
Green InsurerBest Maternity
★★★★☆4.8(10,747 reviews)
Monthly Premium
ZMW 113 - ZMW 606
Deductible
ZMW 50 - ZMW 73
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Cigna Zambia provides a strong option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Bupa Zambia Health Plan
Bupa Zambia
Best Claims ProcessBest Telehealth
★★★★☆4.7(14,066 reviews)
Monthly Premium
ZMW 261 - ZMW 632
Deductible
ZMW 1 - ZMW 115
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Bupa Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Value Assessment 2025
MetLife Zambia Health Plan
MetLife Zambia
Best for Expats
★★★☆☆3.7(6,451 reviews)
Monthly Premium
ZMW 401 - ZMW 910
Deductible
ZMW 12 - ZMW 82
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“MetLife Zambia provides a solid option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Digital Insurance Awards 2025
Zurich Zambia Health Plan
Zurich Zambia
Best Coverage LimitsBest Deductible OptionsBest Digital Tools
★★★★☆4.5(17,962 reviews)
Monthly Premium
ZMW 119 - ZMW 637
Deductible
ZMW 10 - ZMW 186
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Zurich Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Annual Insurance Rankings 2025
Generali Zambia Health Plan
Generali Zambia
Best for Self-Employed
★★★★☆4.6(12,679 reviews)
Monthly Premium
ZMW 125 - ZMW 734
Deductible
ZMW 37 - ZMW 84
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Generali Zambia provides a strong option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Insurance Innovation Awards 2025
AIG Zambia Health Plan
AIG Zambia
Fastest Growing
★★★★☆4.8(3,526 reviews)
Monthly Premium
ZMW 191 - ZMW 828
Deductible
ZMW 1 - ZMW 133
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“AIG Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with reliable traditional service.”— Zambia Market Research Report 2025
Prudential Zambia Health Plan
Prudential Zambia
Best for Young AdultsNot-For-ProfitBest Deductible Options
★★★☆☆3.9(5,936 reviews)
Monthly Premium
ZMW 188 - ZMW 642
Deductible
ZMW 21 - ZMW 166
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“Prudential Zambia provides a solid option for Zambia residents seeking comprehensive health coverage with reliable traditional service.”— Zambia National Insurance Review 2025
Manulife Zambia Health Plan
Manulife Zambia
Most TrustedBest for Young Adults
★★★★☆4.5(16,471 reviews)
Monthly Premium
ZMW 318 - ZMW 712
Deductible
ZMW 28 - ZMW 191
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Manulife Zambia provides a strong option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Healthcare Quality Survey 2025
Liberty Zambia Health Plan
Liberty Zambia
Best Cardiac CareBest Travel Coverage
★★★☆☆3.2(3,127 reviews)
Monthly Premium
ZMW 385 - ZMW 873
Deductible
ZMW 29 - ZMW 92
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Liberty Zambia provides a solid option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Chubb Zambia Health Plan
Chubb Zambia
Best Individual PlansFastest Growing
★★★☆☆3.2(13,729 reviews)
Monthly Premium
ZMW 160 - ZMW 964
Deductible
ZMW 10 - ZMW 64
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Chubb Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Insurance Business Awards 2025
HDI Zambia Health Plan
HDI Zambia
Best OutpatientBest Coverage LimitsBest for Expats
★★★☆☆3.7(4,057 reviews)
Monthly Premium
ZMW 262 - ZMW 578
Deductible
ZMW 33 - ZMW 117
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“HDI Zambia provides a solid option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Regulatory Assessment Report 2025
Mapfre Zambia Health Plan
Mapfre Zambia
Best for ExpatsBest Wellness Program
★★★★☆4.8(11,322 reviews)
Monthly Premium
ZMW 124 - ZMW 936
Deductible
ZMW 20 - ZMW 108
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Mapfre Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Annual Insurance Rankings 2025
FWD Zambia Health Plan
FWD Zambia
Best Telehealth
★★★★☆4.8(13,000 reviews)
Monthly Premium
ZMW 161 - ZMW 908
Deductible
ZMW 14 - ZMW 135
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“FWD Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Annual Insurance Rankings 2025
Sun Life Zambia Health Plan
Sun Life Zambia
Most AffordableBest PrescriptionBest Cancer Coverage
★★★★☆4.8(1,203 reviews)
Monthly Premium
ZMW 370 - ZMW 599
Deductible
ZMW 26 - ZMW 124
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sun Life Zambia provides a strong option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Financial Stability Ratings 2025
Great Eastern Zambia Health Plan
Great Eastern Zambia
Community ChoiceBest Maternity
★★★★☆4.3(7,722 reviews)
Monthly Premium
ZMW 313 - ZMW 649
Deductible
ZMW 4 - ZMW 160
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Great Eastern Zambia provides a strong option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Healthcare Quality Survey 2025
MSIG Zambia Health Plan
MSIG Zambia
Best Customer ServiceBest for Young AdultsGreen Insurer
★★★★☆4.1(5,343 reviews)
Monthly Premium
ZMW 190 - ZMW 641
Deductible
ZMW 22 - ZMW 190
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“MSIG Zambia provides a strong option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Financial Stability Ratings 2025
Tokio Marine Zambia Health Plan
Tokio Marine Zambia
Best OutpatientBest PreventiveBest Telehealth
★★★★☆4.1(8,586 reviews)
Monthly Premium
ZMW 453 - ZMW 991
Deductible
ZMW 23 - ZMW 136
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Tokio Marine Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Market Research Report 2025
Sompo Zambia Health Plan
Sompo Zambia
Best for FamiliesBest Vision
★★★☆☆3.5(13,548 reviews)
Monthly Premium
ZMW 360 - ZMW 821
Deductible
ZMW 47 - ZMW 117
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Sompo Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Customer Satisfaction Index 2025
Aviva Zambia Health Plan
Aviva Zambia
Best Claims Process
★★★★☆4.4(1,432 reviews)
Monthly Premium
ZMW 299 - ZMW 750
Deductible
ZMW 50 - ZMW 95
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Aviva Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Annual Insurance Rankings 2025
Legal & General Zambia Health Plan
Legal & General Zambia
Best Coverage LimitsBest for Expats
★★★☆☆3.9(16,558 reviews)
Monthly Premium
ZMW 199 - ZMW 654
Deductible
ZMW 44 - ZMW 63
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓Wide provider network
“Legal & General Zambia provides a solid option for Zambia residents seeking basic health coverage with reliable traditional service.”— Zambia Financial Stability Ratings 2025
Standard Life Zambia Health Plan
Standard Life Zambia
Best for Seniors
★★★★☆4.1(17,655 reviews)
Monthly Premium
ZMW 231 - ZMW 713
Deductible
ZMW 47 - ZMW 107
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Standard Life Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Health Insurance Comparison 2025
Swiss Re Zambia Health Plan
Swiss Re Zambia
Best App
★★★☆☆3.6(5,540 reviews)
Monthly Premium
ZMW 130 - ZMW 572
Deductible
ZMW 8 - ZMW 134
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Swiss Re Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Consumer Choice Awards 2025
Munich Re Zambia Health Plan
Munich Re Zambia
Best for Families
★★★☆☆3.5(1,194 reviews)
Monthly Premium
ZMW 209 - ZMW 598
Deductible
ZMW 34 - ZMW 104
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Munich Re Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Market Research Report 2025
Hannover Re Zambia Health Plan
Hannover Re Zambia
Most Trusted
★★★☆☆3.8(5,581 reviews)
Monthly Premium
ZMW 404 - ZMW 956
Deductible
ZMW 6 - ZMW 57
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Hannover Re Zambia provides a solid option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Consumer Choice Awards 2025
SCOR Zambia Health Plan
SCOR Zambia
Not-For-ProfitBest for ExpatsBest Individual Plans
★★★★☆4.8(11,082 reviews)
Monthly Premium
ZMW 323 - ZMW 745
Deductible
ZMW 21 - ZMW 67
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“SCOR Zambia provides a strong option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia National Insurance Review 2025
Pacific Cross Zambia Health Plan
Pacific Cross Zambia
Best Travel Coverage
★★★☆☆3.9(904 reviews)
Monthly Premium
ZMW 311 - ZMW 955
Deductible
ZMW 0 - ZMW 192
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Pacific Cross Zambia provides a solid option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Guardian Zambia Health Plan
Guardian Zambia
Best Travel CoverageHeritage Brand
★★★☆☆3.2(11,356 reviews)
Monthly Premium
ZMW 177 - ZMW 707
Deductible
ZMW 11 - ZMW 104
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Guardian Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Sagicor Zambia Health Plan
Sagicor Zambia
Best for Families
★★★★☆4.6(3,513 reviews)
Monthly Premium
ZMW 412 - ZMW 729
Deductible
ZMW 27 - ZMW 94
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Sagicor Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Regulatory Assessment Report 2025
NICO Zambia Health Plan
NICO Zambia
Best AppBest for Families
★★★☆☆3.6(12,860 reviews)
Monthly Premium
ZMW 432 - ZMW 906
Deductible
ZMW 44 - ZMW 187
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“NICO Zambia provides a solid option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Healthcare Quality Survey 2025
Old Mutual Zambia Health Plan
Old Mutual Zambia
Best Telehealth
★★★☆☆3.4(10,360 reviews)
Monthly Premium
ZMW 426 - ZMW 731
Deductible
ZMW 41 - ZMW 174
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Old Mutual Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Health Insurance Comparison 2025
Sanlam Zambia Health Plan
Sanlam Zambia
Most AffordableBest NetworkBest App
★★★☆☆3.9(3,586 reviews)
Monthly Premium
ZMW 123 - ZMW 897
Deductible
ZMW 30 - ZMW 107
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Sanlam Zambia provides a solid option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Regulatory Assessment Report 2025
Discovery Zambia Health Plan
Discovery Zambia
Community ChoiceMost AffordableBest for Families
★★★☆☆3.6(6,504 reviews)
Monthly Premium
ZMW 150 - ZMW 804
Deductible
ZMW 16 - ZMW 91
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“Discovery Zambia provides a solid option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Consumer Choice Awards 2025
Hollard Zambia Health Plan
Hollard Zambia
Best Mental HealthBest PrescriptionFastest Growing
★★★★☆4.1(3,243 reviews)
Monthly Premium
ZMW 389 - ZMW 923
Deductible
ZMW 37 - ZMW 191
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓24/7 telehealth access included
“Hollard Zambia provides a strong option for Zambia residents seeking comprehensive health coverage with modern digital tools.”— Zambia Annual Insurance Rankings 2025
Britam Zambia Health Plan
Britam Zambia
Green Insurer
★★★★☆4.8(15,961 reviews)
Monthly Premium
ZMW 370 - ZMW 778
Deductible
ZMW 1 - ZMW 139
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Britam Zambia provides a strong option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Regulatory Assessment Report 2025
Jubilee Zambia Health Plan
Jubilee Zambia
Best for Young Adults
★★★★☆4.8(4,708 reviews)
Monthly Premium
ZMW 189 - ZMW 717
Deductible
ZMW 32 - ZMW 140
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Jubilee Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Industry Excellence Awards 2025
UAP Zambia Health Plan
UAP Zambia
Best PreventiveTech PioneerFastest Growing
★★★☆☆3.8(5,151 reviews)
Monthly Premium
ZMW 104 - ZMW 633
Deductible
ZMW 26 - ZMW 167
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“UAP Zambia provides a solid option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Best Practice Awards 2025
CIC Zambia Health Plan
CIC Zambia
Best EmergencyBest Preventive
★★★★☆4.7(11,202 reviews)
Monthly Premium
ZMW 349 - ZMW 856
Deductible
ZMW 39 - ZMW 183
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓24/7 telehealth access included
“CIC Zambia provides a strong option for Zambia residents seeking standard health coverage with modern digital tools.”— Zambia Best Practice Awards 2025
Resolution Zambia Health Plan
Resolution Zambia
Best for Seniors
★★★★☆4.3(5,731 reviews)
Monthly Premium
ZMW 399 - ZMW 594
Deductible
ZMW 18 - ZMW 84
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Resolution Zambia provides a strong option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia Insurance Innovation Awards 2025
Heritage Zambia Health Plan
Heritage Zambia
Tech PioneerBest Mental Health
★★★★☆4.4(9,317 reviews)
Monthly Premium
ZMW 236 - ZMW 931
Deductible
ZMW 36 - ZMW 118
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Heritage Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Consumer Choice Awards 2025
First Assurance Zambia Health Plan
First Assurance Zambia
Best Maternity
★★★☆☆3.5(7,176 reviews)
Monthly Premium
ZMW 442 - ZMW 564
Deductible
ZMW 44 - ZMW 93
- ✓Trusted provider in Zambia
- ✓Comprehensive coverage with competitive rates
- ✓Wide provider network
“First Assurance Zambia provides a solid option for Zambia residents seeking comprehensive health coverage with reliable traditional service.”— Zambia Health Insurance Comparison 2025
Pioneer Zambia Health Plan
Pioneer Zambia
Best PreventiveSocial Enterprise
★★★★☆4.3(10,070 reviews)
Monthly Premium
ZMW 121 - ZMW 848
Deductible
ZMW 23 - ZMW 109
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Pioneer Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Market Research Report 2025
Directline Zambia Health Plan
Directline Zambia
Not-For-ProfitBest Travel CoverageBest Group Plans
★★★★☆4.7(4,178 reviews)
Monthly Premium
ZMW 348 - ZMW 736
Deductible
ZMW 6 - ZMW 117
- ✓Trusted provider in Zambia
- ✓Basic coverage with competitive rates
- ✓24/7 telehealth access included
“Directline Zambia provides a strong option for Zambia residents seeking basic health coverage with modern digital tools.”— Zambia Customer Satisfaction Index 2025
Shield Zambia Health Plan
Shield Zambia
Heritage BrandBest for Young AdultsBest Group Plans
★★★☆☆3.5(9,426 reviews)
Monthly Premium
ZMW 190 - ZMW 737
Deductible
ZMW 12 - ZMW 75
- ✓Trusted provider in Zambia
- ✓Premium coverage with competitive rates
- ✓24/7 telehealth access included
“Shield Zambia provides a solid option for Zambia residents seeking premium health coverage with modern digital tools.”— Zambia National Insurance Review 2025
Gateway Zambia Health Plan
Gateway Zambia
Best HSA CompatibleBest Deductible Options
★★★☆☆3.6(7,331 reviews)
Monthly Premium
ZMW 253 - ZMW 736
Deductible
ZMW 13 - ZMW 192
- ✓Trusted provider in Zambia
- ✓Standard coverage with competitive rates
- ✓Wide provider network
“Gateway Zambia provides a solid option for Zambia residents seeking standard health coverage with reliable traditional service.”— Zambia Customer Satisfaction Index 2025
About Health Insurance in Zambia
Zambia's public healthcare is free but underfunded; private insurance serves formal sector employees.
Our team of insurance experts has evaluated and ranked the top 50 health insurance providers in Zambia 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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