Rise of International Medical Insurance in Africa – Why EHS Leads the Way

Introduction

Africa is witnessing a new era in healthcare access. Medical costs are increasing, and health systems are facing challenges. International Private Medical Insurance (IPMI) is now becoming essential for individuals, families, expatriates, SMEs, and multinational companies.

The increasing demand for reliable healthcare, combined with digital technology and regional expansion, is also growing. These factors create a strong opportunity for international health insurance to thrive.

We are at the centre of this transformation with a strong local presence and a deep understanding of African markets. We (EHS) have an exclusive collaboration with AXA Global Healthcare. Together, we aim to transform the way Africans access global healthcare solutions.

Factors Influencing the Growth of International Health Insurance in Africa

1. Increasing Demand for Quality Healthcare

A young, fast-growing population, coupled with underfunded public health systems, has prompted families and corporations to seek alternatives. International health insurance offers access to world-class hospitals, specialised treatments, and cutting-edge medical technologies.

2. Advancement in Digital Technology & Infrastructure

New developments in telemedicine, mobile health apps, and online claims platforms have ensured healthcare is more accessible than ever. Patients now have access to thousands of consultation specialists worldwide without leaving their homes.

3. Underfunded National Health Systems

A substantial number of African countries allocate a small percentage of GDP to healthcare. As a result, patients face long waiting times and limited treatment options. IPMI fills this gap by offering comprehensive medical coverage and reliable global networks.

4. High Out-of-Pocket Spending

According to the African Saharan Organisation’s health reports, out-of-pocket spending accounts for 35–40% of healthcare financing in parts of Africa. International health insurance spreads this cost, reducing financial strain while ensuring timely care.

Key Drivers of Growth in IPMI

1. Increased Healthcare Needs – Growing urbanisation and lifestyle changes have increased the demand for better healthcare solutions.
2. Rise in Non-Communicable Diseases (NCDs) – Conditions such as diabetes, hypertension, heart disease, and cancer are increasing, requiring expensive and long-term care.
3. Demand from Expatriates & Multinationals – Global workers and companies need reliable coverage for international staff across Africa.
4. Improvements in Infrastructure & Access – The presence of better hospitals, regional medical hubs, and private clinics has increased the demand for cross-border health coverage.
5. Technological Innovation – AI-powered claims management, fraud detection, and telehealth services are improving client experience.
6. Preventive Care – Insurers are incorporating wellness benefits, screenings, and health check-ups into their policies.
7. Regional Expansion – Insurers are expanding across borders, offering scalable solutions for both corporate and individual clients.

Why Executive Healthcare Solutions (EHS) Leads the Market in International Medical Insurance

Local Presence, Global Reach

We are not just another international medical insurance broker. We are specialists with deep African expertise. With over 25 years of experience in various healthcare systems and countries, EHS has developed solutions tailored to local needs. These solutions meet the global standards.

Exclusive Strategic Collaboration

EHS is the exclusive distributor of  AXA Global Healthcare across 11 African countries. Offering the Global Executive Health Plan (GEHP). This collaboration brings unmatched global healthcare expertise, ensuring clients enjoy seamless international coverage.

Tailored Solutions – The Global Executive Healthcare Plan (GEHP)

Recognising Africa’s unique healthcare needs, EHS launched the Global Executive Healthcare Plan (GEHP). This specialised product provides executives, expatriates, and individuals living and working in Africa with access to premium healthcare. 

24/7 Customer Service & Support

We provide 24/7 client support to our members. They can access pre-authorisation requests anytime, whether in Nairobi, Mumbai, or London.

Key Trends Shaping the Future

1. Digital Transformation – From online claims to telemedicine, digital tools are enhancing efficiency and improving the customer experience.
2. Strategic Partnerships – Collaborations with global leaders, such as AXA Global Healthcare, are expanding coverage and raising standards.
3. Preventive Care Focus – Insurers now promote wellness programs, early screenings, and lifestyle disease management.
4. Supportive Regulatory Frameworks – Governments are increasingly collaborating with private insurers to enhance access to healthcare.

Challenges Facing International Medical Insurance in Africa

• Claims Inefficiencies & Fraud – Although technology is reducing fraud, some regions still experience delays in claims processing.
• Uneven Infrastructure – Urban areas have advanced healthcare systems compared to rural regions, where healthcare access remains low.
• Affordability Concerns – Premiums remain out of reach for many low-income populations, though flexible plans are emerging.

Despite these challenges, the sector is on a strong growth trajectory, and EHS is leading in this transformation.

Conclusion

The rise of international medical insurance in Africa is reshaping access to healthcare, with Executive Healthcare Solutions at the forefront. Through our African expertise, strategic partnerships with AXA Global Healthcare, and a comprehensive international medical insurance plan, the Global Executive Health Plan EHS ensures clients get the care they need whenever and wherever they need it.

As digital technology, preventative care, and regional expansion continue to drive growth, EHS remains the trusted leader bridging Africa’s healthcare gap with world-class solutions.