Expat insurance in Senegal
It is very necessary for you to take an international health insurance, when you plan a stay of a certain duration in Senegal. Indeed, in accordance with the health system for foreigners in Senegal, you must take out insurance adapted to your situation, whatever the reason for your stay.
The health system in Senegal for foreigners
In Senegal, the Senegalese Social Security Fund (CSS) only pays for occupational health benefits and family benefits. It does not provide health care outside of work. Indeed, despite the improvement of the health system, there are still inequalities in the distribution of doctors. The latter are mainly found in the city of Dakar. This considerably reduces their number in the rest of the country (especially rural areas).
With this situation, foreigners are recommended to go to the medical centers advised by the embassies in case of illness. This will enable them to ensure the quality of medical treatment. Indeed, the majority of doctors working in these centers have an international license. This license is borderless and allows them to travel anywhere in the world to treat patients.
The health insurance managed by other bodies is allocated according to the different classes of the population. Thus, we have:
- Health insurance institutes: for employees of private companies (for nationals and expatriates)
- State: for medical expenses borne at 4/5 for civil servants
- Free public medical assistance for people over 60 and children under five (nationals only)
- Mutual health insurance for the self-employed and all people in the informal sector
Should you take out health insurance in Senegal?
To this question, it would be fair to answer yes. However, it is important to point out that the disproportionate distribution of doctors, the remoteness of regions from the main city are factors that really affect the quality of health care.
So if you live in a remote area, and without health insurance, your health is not protected. It is therefore important for you to take out health insurance in Senegal if you are an expatriate or a simple traveler. This will protect you from unpleasant surprises in the event of illness. The repatriation must constitute the first guarantee during the subscription.
What is the best expat insurance in Senegal?
The choice of expat insurance depends on several criteria such as the needs in terms of medical coverage, your situation in Senegal, etc. There is therefore no single insurance formula common to everyone. Expatmedicare offers to support you in your choice.
We will help you choose the right medical coverage for your situation and your budget. Indeed, our advisors offer you different choices of insurance.
Among the guarantees, count the assumption of responsibility for hospitalization at 100% of the actual costs, the assumption of responsibility for civil liability, civil liability and the assumption of responsibility for repatriation.