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Travel Medical Aid cover in Africa

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Thinking of getting medical aid cover for your travels in Africa?

Africa is probably one of the most unique travel destinations in the world. It is one of the few ‘wild’ places that can be ‘explored’. It offers many exciting destinations and adventures for both South Africans as well as international visitors.

“For many reasons, a number of medical services and facilities are questionable and obtaining the best medical attention when it is needed, can be very challenging if not impossible”

The greatest lure for any adventurous traveller is the promise of going into the remote and ‘inaccessible’ wild bush. Going hunting, 4x4 explorations or simply touring through the nature reserves. It all offers you the escape from civilization, away from the hustle and bustle of the everyday modern world.

But therein lies a substantial threat. Visiting these wild, remote countries puts you at risk when something goes wrong, in a big way! If you have a motor vehicle accident somewhere in the north of Mozambique, the chances of you getting medical assistance are really minimal, if even that.

Mobile receptions is mostly non-existant in the more remote regions, which means that you won’t be able to call anyone, and even if you do have reception, who do you call? Will the local medical services be able to get to you in time, especially considering that you are in an emergency situation? If they are able to get to you in time, are you willing to be treated in third world hospitals or clinics that are reputedly not high on standards?

Africa can be a life changing experience, but it can also turn into a nightmare if things go pear shaped. There are lot’s of poisonous and dangerous wildlife and diseases that can change everything in your holiday. Road Conditions are often really bad and greatly enhances your risk of being involved in an accident.

Politics in Africa often takes a hands on approach, with angry citizens resorting to violence and mob law to get what they want. Rebels are known to attack at random, and often target visitors and foreigners.

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So what options do I have?

No you are not entirely on your own. You can take out a travel emergency cover, which is tailor made for your travelling needs.

Needing to be rescued in Africa is more often than not a very expensive affair, due to the remoteness of some areas and the lack of sufficient emergency infrastructure.

Travel insurance companies offer you benefits that include cover for medical rescue, emergency treatments and prescriptions for illness.

Furthermore they can provide you with information and advice on where to go and what to do in situations. Such information can be vital, especially if you are a stranger in a country where you can’t understand the native languages.

How do I go about obtaining such medical aid cover?

The best thing to do would be to speak to your current medical aid scheme. They might have links and ties to travel insurance companies, and can possibly provide you with these services at a discounted rate.

If they cannot provide you with anything suitable, try out various different companies and obtain as many quotations as possible. Compare them to each other and find out what exactly what you are covered for, and what you are not covered for.

The most important things to look for in a travel insurance is their emergency rescue arrangements, their service records and how they guarantee that they will be able to effectively and quickly be of assistance to you in your time of need.

Keep in mind that that all of the things you look for in your personal medical aid scheme should apply here as well, only more stringent, as you will be going into potentially risk bearing areas.

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