Health insurance in Mozambique

No. Mozambique attaches no legal insurance mandate to any visa category — Tourist, Business, Work + DIRE, Investor, Student, or Family. There's no minimum coverage threshold and no repatriation requirement written into law. But all long-stay visas require a medical certificate of good health (translated into Portuguese and notarised), foreigners get zero entitlement to public SNS care, and serious cases are routinely evacuated to South Africa or Portugal at USD 15,000–100,000+ per flight. Comprehensive private cover with medevac is the de facto standard expected by employers, sponsors, and immigration advisers.

Yes — easily. Mozambique doesn't impose any coverage threshold on any visa type, so any legitimate international plan is accepted. Both Feather plans include medical repatriation to South Africa, Portugal, or your home country, English-language certificates issued instantly, and coverage levels well above anything Mozambican immigration, DIRE processing, or university admissions offices would scrutinize.

Not for free, and rarely in practice. There is no national health insurance scheme — the SNS is funded from general taxation, and INSS contributions cover pensions and cash benefits only, not healthcare. Foreigners on any visa (Tourist, Business, DIRE, Investor, Student) face fee-for-service treatment at SNS facilities, payable upfront in cash, with severe drug stockouts, equipment shortages, and very long queues. Even Mozambicans face routine rationing of essential services. Most expats avoid SNS entirely for non-emergency care and rely on Maputo's small private sector (Lenmed, Clínica Cruz Azul, International SOS), with medical evacuation to South Africa for anything serious.

Pay your doctor or hospital, then open the Feather app, take a photo of your invoice, and submit your claim. That's it. Most claims are reviewed and reimbursed to your bank account within two weeks. No paper forms, no Portuguese-language documents needed.

Yes, but only in Maputo. Reliable English-speaking care is concentrated at Lenmed Maputo Private Hospital, Clínica Cruz Azul, and International SOS in the capital, where doctors are often expat-trained and speak English well. Outside Maputo — in Beira, Nampula, Pemba, Tete — English-speaking medical care is rare, and Portuguese is the working language of medicine throughout the country (drug names, lab reports, and prescriptions are all in Portuguese). With Feather, you can visit any licensed doctor, public or private.

Because most serious care isn't available domestically. Mozambique has roughly 0.08 doctors per 1,000 people — one of the lowest densities in the world — and for anything beyond routine GP care (cancer, complex surgery, cardiac catheterisation, neonatal ICU, severe trauma) expats are routinely flown to Netcare, Mediclinic, or Lenmed hospitals in Johannesburg or Nelspruit, South Africa, or to Portugal. An air-ambulance transfer costs USD 15,000–30,000 for a standard case and up to USD 100,000+ for complex ICU evacuations. Mozambique also has one of the world's highest road-accident death rates, and malaria is endemic year-round across the entire country including Maputo — so trauma and obstetric evacuations are frequent realities, not remote contingencies. Domestic-only Mozambican policies (Hollard Moçambique, Ímpar, Global Alliance Seguros) rarely cover cross-border care, which is the central use case for serious illness here. Both Feather plans include international medical evacuation.