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Settling in Benin is an enriching experience. With its vibrant culture and diverse landscapes, the country attracts more and more expatriates each year. But before fully settling in, it’s essential to understand Benin’s healthcare system and the available insurance options.
Whether you’re a long-term resident or a newcomer, choosing the right health insurance is crucial to meet potential medical needs. Benin offers several health insurance options, from local systems to more comprehensive international plans, especially suited for expats.
In Benin, the public healthcare system is evolving but faces challenges, particularly in terms of access to quality care. Although the government has made efforts to improve infrastructure and services, public healthcare remains limited, and wait times in hospitals can be long. Additionally, rural areas generally have less developed facilities than major cities like Cotonou or Porto-Novo.
Local citizens can access health insurance through the National Social Security Fund (CNSS), mainly covering formal sector employees. However, benefits are limited, and specialized care often requires direct payment. For expats, opting for local health insurance is possible, though coverage is generally less comprehensive than international insurance.
International health insurance is often recommended for expats in Benin. It offers broader coverage and easier access to care in private facilities, where quality standards are generally higher than in public healthcare. Moreover, international insurance often includes repatriation coverage, a crucial point in case of serious medical issues requiring care outside of Benin.
Some local insurance providers offer packages tailored to expats, with more affordable rates. However, they may lack complementary services, such as access to specialists or international hospitals, making it important to compare offers based on your needs and profile.
Good to know: International insurance often covers healthcare in several West African countries. If you travel frequently in the region, this flexibility can be invaluable.
Benin has various public hospitals, clinics, and private facilities in its major cities, though the quality of services and infrastructure can vary. In Cotonou, the National University Hospital Center (CNHU) provides advanced care, especially for emergencies and medical specialties, though it can be overcrowded. Expats often prefer private clinics, which are better equipped and offer faster, more personalized service. However, rates are higher and require adequate health coverage. Outside urban centers, healthcare options are limited, and traveling to Cotonou may be advisable for more complex treatments.
Cotonou
CNHU - HKM (Hubert Koutoukou MAGA National University Hospital Center)
Local call rates apply
Porto-Novo
Ouémé Departmental University Hospital Center
Local call rates apply
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1. I look for the cover that suits my situation and choose my options.
2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
4. I can get a call back or chat at any time with an adviser.
