International Health Insurance for Expats
The Democratic Republic of the Congo (DRC), or simply known as the Congo, is a central African country with a population of over 78 million people. The Congo is the 4th most populated country in Africa, and the 16th most populated worldwide. Covering a total land mass of over 2,345,400 km2, the Congo is the second largest country in Africa, and 11th largest in the world. The capital of the Congo, Kinshasa, is its largest and most densely populated city, with over 11 million residents. Congo’s nominal GDP estimate in 2017 was $40.415 billion or $446 per capita, which makes it one of the top 15 largest economies in Africa, surpassing the likes of Tunisia, Cameroon, and Ivory Coast. Regardless, the Congo is still ranked among the poorest countries worldwide; with a reported 64% poverty rate in 2012. The Congo’s economic performance can be attributed to the wealth it possesses in natural resources. However, despite their natural wealth, the issues they face with corruption, political instabilities, and lack of infrastructure has made it difficult for the Congo to adequately progress and develop.
The Congo is prone to many common diseases, whether its tuberculosis, polio, cholera, or HIV/AIDS – to name a few. Indigenous diseases include yellow fever and malaria, as well as other insect-borne diseases. The HIV/AIDS prevalence rate in the Democratic Republic of the Congo (DRC) is just over 4%, with several factors stimulating the spread of the disease, such as the lack of education and awareness on the disease, the low number of HIV testing sites, and the displacement of large numbers of refugees and soldiers. The Congo is also home to the second-highest number of malaria cases worldwide, making it a major health concern in the country. Expats are recommended to make sure that their vaccines for the following diseases are up-to-date before moving to the Democratic Republic of the Congo (DRC): Hepatitis A and B, tetanus, typhoid, yellow fever, and rabies.
The health infrastructure in the Congo is rated poorly; with medical facilities, staff, and supplies being extremely limited, particularly in the rural areas outside the big cities. Approximately 70% of the population lacks access to adequate healthcare and medical facilities, which explains why the Congo has one of the highest mortality rates in the world. While the public health care system is underfunded and lacks the adequate facilities and supplies, the number of available private medical facilities is small relative to the size and population of the country. Emergency services in the Congo are also considered sub-par. In case of a serious medical emergency, it may be necessary to seek medical treatment abroad where health facilities are well-equipped and qualified.
For these reasons, we strongly encourage all expats living in the Democratic Republic of the Congo (DRC) to purchase a comprehensive international health insurance policy which provides an emergency evacuation and repatriation benefit. Violent acts and conflicts between the government and rebel groups are still common across the Congo, specifically outside the capital of Kinshasa. As a result, expats are also strongly advised to purchase additional covers on war and terrorism to protect themselves against such acts.
It is also always recommended to buy a group medical insurance plan for your organization in Congo. If you would like to purchase a comprehensive corporate health insurance plan, MyBroker Inc. can assist you with all your coverage needs at competitive rates.
If you are an expat living in Congo, we at MyBroker Inc. are available to assist you with your comprehensive international health insurance needs, including emergency medical evacuations and repatriation.
For more information about the Congo health insurance policies we can offer, please feel free to contact us today. If you are looking to purchase international health insurance in Congo, please fill in your information in the form below to receive a quotation.