Health & life insurance in Zambia: all guides

Health & life · ZambiaNHIMA registration: who must register and how (2026)Every citizen and established resident over 18 must be registered. Employers register staff within 30 days; you can add a spouse and 5 children under 18.4 min read · Updated 31 October 2026

Health & life · ZambiaeNHIMA portal: log in, pay and check your NHIMA statusThe only official portal is enhima.nhima.co.zm. Pay and check your status by mobile money on *115# (Airtel, MTN, Zamtel).2 min read · Updated 31 October 2026

Health & life · ZambiaNHIMA benefits: what the scheme pays, your card and complaintsConsultations, admission, surgery, maternity, generic medicines, dental, spectacles once every 3 years. Not covered: treatment abroad, cosmetic surgery, road and work injuries covered elsewhere.4 min read · Updated 31 October 2026

Health & life · ZambiaHealth insurance in Zambia: NHIMA and private medical coverNHIMA is compulsory for citizens and residents over 18; private health policies come from PIA-licensed insurers. Health is 54% of long-term premiums.3 min read · Updated 31 October 2026

Health & life · ZambiaLife insurance in Zambia: your rights as a policyholder9 licensed long-term insurers. Cancel a new life policy within 30 days; a policy for your spouse or children is protected from creditors.3 min read · Updated 31 October 2026

Health & life · ZambiaFuneral cover in Zambia: what the law says and what to checkA funeral policy pays funeral and burial expenses on a death. Buy it from a PIA-licensed insurer or through a licensed agent or broker.2 min read · Updated 31 October 2026

Health & life · ZambiaNHIMA contribution calculator (Zambia)1% of basic salary from the employee, 1% from the employer; 1% of declared income if self-employed. Due by the 10th.2 min read · Updated 31 October 2026