Best South Africa Travel Insurance: Costs and Tips

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Martí Micolau
@martimicolau
SOURCES CONSULTED:

wikipedia.org, lonelyplanet.com

Author and references

Although belonging to the continent considered the poorest and most underdeveloped in the world, South Africa is a basically rich and modern country. However, its characteristic of being surrounded by wild flora and fauna makes it a place to be careful and taking out non-travel insurance is not mandatory, but highly advisable.
Here are some of the best travel insurance for South Africa.

Index

  1. Axa Assistance
  2. Columbus
  3. Heyworld
  4. Europe Assistance
  5. Intermundial
  6. Price comparison
  7. Is travel insurance in South Africa mandatory?
  8. Why do health insurance: risks and dangers
  9. How to choose travel insurance
  10. User questions and comments

Axa Assistance

It is considered the first insurance brand in the world and among its strengths it boasts one Operations Center active 24 hours a day with Italian staff and direct payment of medical and health expenses abroad. Among the policies we find:



  • Basic Protection, indicated for short trips within the European Union, directly covers medical expenses up to € 100.000,00 and ensures complete health care, as well as an interpreter in case of need. It does not cover damage to luggage.
  • Medium Protection, is an intermediate solution that goes up to € 500.000,00 for healthcare costs. In addition, it provides coverage for expenses also following theft, mugging, robbery, fire and failure to return baggage.
  • Total Screen, recommended for travel up to 100 days. It has a ceiling of up to € 3.000.000,00 and also includes civil liability towards third parties, as well as coverage for accidents both while traveling and in flight. Cancellation can be included.

Columbus

Choosing a Columbus policy means receiving unlimited coverage for health costs, as well as a number of services such aslegal assistance it's a active interpreter anytime, anytime. Among the strengths, the possibility of taking out a last minute policy, or just before departure. Among the policies we find:



  • Help, indicated for those interested only in covering medical and health expenses which in any case also include sending a doctor abroad or early return.
  • Baggage Assistance, is a formula that provides all the medical guarantees provided by the basic policy, with the addition of a refund for the purchase of basic necessities in case of loss of luggage.
  • Assistance Baggage Cancellation, is the most complete and provides reimbursement for a canceled trip. Among the various hypotheses, also the possibility of reimbursing the early return up to € 2.000,00.

Heyworld

The policies are a lot Customizable and are chosen above all for the ease of assistance: for all users, in fact, there is aApp which allows you to connect to the control panel operational at all times and from anywhere in the world. It also allows you to not issue any advance for medical expenses. Among the policies we find:

  • Travel Tranquility, despite being a basic policy, it provides numerous services including the sending of unlimited medicines, the early return, as well as the travel of a family member for assistance, if requested.
  • Travel Top, to the health care services provided by the basic policy, it adds legal advice and the possibility of reimbursement on the purchase of basic necessities in the event of loss of luggage.
  • Premium travel, the most comprehensive policy that extends the validity of medical assistance and cases of damage to luggage, as well as adding coverage for expenses in the event of travel cancellation.

Europe Assistance

The policies do not provide neither limits nor ceilings in case of coverage of medical and health expenses. Also, they are heavily targeted, to ensure that they are suitable for the specific type of trip to be undertaken. Among the policies we find:



  • Travel NoStop Vacation, provides unlimited health care worldwide, including referral to a referral doctor abroad. It also includes the protection of luggage and personal effects.
  • Traveler Generation, a policy that can be taken out by travelers under 35 and valid in all countries of the world. It provides four different formulas which, in addition to health care, include coverage of essential goods for young people, including mobile phones and tablets.
  • NoStop Family Travel, a complete policy from the point of view of health care but which provides reserved and subsidized rates for families: children under 29 who leave with their parents, in fact, enjoy a discount while children under 2 are free .

Intermundial

The strengths of its policies are the speed with which they can be stipulated and the good value for money. There are various insurance formulas, which differ according to the type of trip undertaken, including:

  • Totaltravel Mini, although it is the cheapest policy, it provides comprehensive assistance valid in all countries of the world: it includes coverage of up to € 250.000,00 for medical expenses and repatriation or medical transport.
  • Totaltravel, covers from minor medical problems to complex interventions. Furthermore, with the Premium formula, it is also possible to cancel the deductibles. It is valid in all countries of the world, for a maximum journey of 90 days.

Price comparison

Below is a comparative table of prices for the stipulation of travel policies.

NB: Prices are intended for an adult basic policy without previous illnesses



Is travel insurance in South Africa mandatory?

Health insurance it is not mandatory to enter the country. However, due to the geographical and anthropological characteristics of South Africa, it is highly advisable to take out one before departure, especially to cover health risks.

Why do health insurance: risks and dangers

South Africa is a destination that attracts many tourists especially for its own uncontaminated nature and for the possibility of carrying out safari inside the African bush. Precisely for this reason and for the following ones, it is essential to take out health insurance:

  • Dangers deriving from diseases carried by insects, for example malaria transmitted by the Anopheles mosquito, present in the area of ​​the Kruger Park.
  • Dangers from diseases such as typhus or tetanus, which can be transmitted to more rural areas.
  • Dangers deriving from attacks by animals, which circulate in the wild in many areas of the country.
  • Danger of food poisoning or hepatitis A and B, due to food ingested and not treated properly.
  • Risk of theft and pickpocketing, especially in outlying areas of large cities, such as Cape Town, Johannesburh or Durban.

How to choose travel insurance

The major health dangers that can be encountered during a trip to South Africa are those related to transmission of diseases by animals. For this reason, it is advisable to lend pay attention to these parameters when deciding on the right policy:

  • Amount of the ceiling for covering medical expenses
  • Reduction of the deductible
  • Whether or not there is compensation for injury / death / disability
  • Possibility of early return
  • Coverage of transport and food costs for a family member
  • Terms of direct payment and advance expenses
  • Presence of an interpreter H24


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