Located in the Indian Ocean, Madagascar is a sought-after destination for expats and international travelers, known for its unique biodiversity and diverse landscapes. However, when it comes to healthcare, this large island presents specific challenges.
What health insurance for expatriates in Madagascar?
The health insurance system in Madagascar
In Madagascar, the healthcare system relies on both public and private facilities. Although the private sector is expanding and generally offers higher-quality care than public facilities, it remains costly. Most private establishments are concentrated in major cities such as Antananarivo and Toamasina, where well-equipped clinics are more common. However, access to healthcare in rural areas is limited, and the standards of care vary. Since there is no universal social security system, expats are strongly advised to take out health insurance before moving to Madagascar.
Choosing health insurance in Madagascar: local or international?
Expats have two options for health coverage: local insurance or international insurance.
Local insurance, generally more affordable, is available through some companies based in Madagascar. However, it may offer limited coverage, especially for specialized care or medical evacuations to neighboring countries.
International health insurance provides more extensive coverage, often including overseas care, emergency evacuations, and a network of healthcare professionals worldwide. Although this option is more costly, it offers a level of security and flexibility that meets the needs of expats living in regions with limited healthcare infrastructure.
Good to know: Before signing up, check if your insurance covers medical evacuations. This is essential, as a transfer to a neighboring country may be necessary in case of serious illness or injury.