Zambia State Insurance Health

by Zambia State Insurance Corporation (ZSIC)

★★★☆☆3.7(1,320 reviews)

Zambia State Insurance Corporation (ZSIC) is Zambia's government-owned insurer providing affordable health coverage for public and parastatal sector employees. The Health plan covers treatment at public and accredited private hospitals.

Monthly Premium

ZMW 500 - ZMW 1,500

Deductible

ZMW 100 - ZMW 400

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

✓Government-backed stability
✓Affordable contribution rates
✓Wide Lusaka hospital acceptance

Cons

✗Limited private hospital options
✗Slow claims processing
✗No digital tools

Editorial Review

“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