How to Secure International Health Insurance from Nigeria
International travel from Nigeria requires more than just a passport and plane ticket. Adequate health insurance is a key part of the journey. It provides protection against high medical costs abroad and is often a mandatory requirement for visa applications. Securing international health insurance ensures you’re covered wherever you go.
Why You Need International Health Insurance
Before we dive into how to get it, here’s why international health insurance matters:
I.Visa requirements: Some countries (like Schengen countries) require proof of health insurance before issuing a visa.
II.Cost of healthcare abroad: In countries like the US, UK, and Canada, medical bills can be shockingly high.
III.Emergencies: Coverage typically includes hospital stays, surgeries, emergency evacuations, and repatriation.
Step 1: Determine the Type of Coverage You Need
Health insurance plans vary widely, so start by considering your specific situation:
I .How long will you be staying abroad?
2.Is your trip short-term, or are you relocating or studying long-term?
3.Will you need coverage in more than one country?
4.Do you have any pre-existing medical conditions?
Your answers to these questions will guide you toward a plan that best fits your needs.
Step 2: Compare Trusted International Insurance Providers
From Nigeria, you can access both local and global insurers. Here are a few popular options:
Global Insurance Providers
- Allianz Travel Insurance
- AXA Global Healthcare
- Cigna Global
- IMG Global
- SafetyWing (great for digital nomads
Nigerian Providers with International Coverage
- Leadway Assurance
- AIICO Insurance
- Hygeia HMO (some plans offer international travel add-ons)
- AXA Mansard (partnered with global insurers)
Use their websites or visit local branches to compare benefits, claim processes, and costs.
Step 3: Check for Country-Specific Requirements
Some countries have strict insurance rules. For example:
I.Schengen visa: Requires €30,000 coverage, repatriation, and validity for the entire stay.
2.USA & Canada: Private health care dominates, so comprehensive coverage is a must.
3.Student visas: May require specific insurance policies (often listed on university websites).
Always read your destination country’s visa or immigration guidelines carefully.
Step 4: Obtain an estimate and apply with ease online.
Most providers allow you to:
1. Fill out a simple form.
2. Select your coverage period and destination.
3. See a quote instantly.
4. Pay online and receive documents by email.
Tip: Watch out for hidden exclusions. Make sure emergency care, pre-existing conditions (if applicable), and repatriation are clearly included.
Step 5: Keep Digital and Physical Copies Handy
Once approved:
- Print a copy of your insurance certificate for visa applications.
- Save a digital version on your phone and email.
- Know your policy number and emergency contact lines.
Some providers also have mobile apps for instant access to doctors, claims, and support.
Conclusion
Securing international health insurance from Nigeria isn’t complicated; it just takes a little planning. With the right coverage, you’ll travel confidently, knowing that if the unexpected happens, you’re protected.
