Zambia · InsuranceHealthInsurance
200+ hospitals. Dedicated corporate team. From ZMW 3,500/yr per life.
Trusted Cover
Zambia · Acentria
About This Cover
Why Health Insurance?
Acentria Zambia Health Insurance gives you access to quality healthcare when you need it most. From individual and family plans to corporate group schemes, we offer flexible medical cover with extensive hospital networks, outpatient benefits, and wellness programmes.
"200+ hospitals. Dedicated corporate team. From ZMW 3,500/yr per life."
Coverage Details
What's Covered
Health Insurance covers a wide range of risks to give you and your loved ones complete peace of mind.
Inpatient and outpatient cover
Maternity and newborn care
Dental and optical benefits
Mental health and counselling services
Chronic disease management
Pre-existing condition cover (after waiting period)
Access to 200+ hospitals nationwide
International medical evacuation
Wellness and preventive care programmes
24/7 telemedicine consultation
Flexible Options
Which Plan Is Right for You?
Choose the plan that fits your life stage, budget, and goals. All plans are backed by Acentria's service promise.
Family & Individual Covers
Tailored medical plans for individuals and families with comprehensive inpatient, outpatient, dental, and optical benefits.
- Inpatient up to ZMW 1.5M
- Outpatient included
- Maternity cover
- Dental & optical
Corporate Covers
Group medical schemes for employers. Customizable benefits, flexible group sizes, and dedicated account management.
- Group inpatient & outpatient
- Staff wellness programmes
- Chronic disease management
- Dedicated claims desk
International Medical Cover
Global health coverage for expatriates, frequent travellers, and those seeking treatment abroad.
- Worldwide hospital access
- Medical evacuation
- Cancer & transplant cover
- Direct billing at partner hospitals
Junior Medical Covers
Dedicated medical plans for children aged 0–18.
- Vaccination cover
- Paediatric inpatient
- Dental & optical
- Growth monitoring
Seniors Medical Covers
Specialised health plans for individuals aged 60+ with enhanced chronic disease and geriatric care benefits.
- Chronic disease cover
- Geriatric care
- Home nursing
- Physiotherapy
Micro Covers / SME
Affordable group medical cover for small businesses and micro-enterprises.
- Groups from 5 lives
- Basic inpatient & outpatient
- Maternity optional
- Mobile premium payments
Why Acentria
Why Choose Us
200+ Hospitals Including Levy Mwanawasa
Your cover works at Levy Mwanawasa University Teaching Hospital, Lusaka Trust Hospital, and 200+ accredited facilities across Zambia — all on direct billing.
Claims Settled Within 48 Hours
Pre-authorisations approved in under 2 hours. Reimbursement claims settled within 48 hours — one of the fastest turnarounds of any health insurer in Zambia.
PIA Regulated — Your Money Is Protected
All our health products are placed with PIA-licensed underwriters. Your premiums are protected, your claims are enforceable, and your policy terms are legally binding.
Simple Process
Getting Covered Is Simple
Get a Quote
Fill in a simple online form or call us. Receive a personalised quote within minutes.
Choose Your Plan
Compare plans, pick the level of cover that fits your life stage and budget.
Get Covered
Pay your premium, receive your policy instantly, and enjoy peace of mind from day one.
Common Questions
Frequently Asked
We have all the answers. If you don't find yours here, our specialists are a call away.
Instant Estimate
How Much Will It Cost?
Get an indicative premium in seconds — no forms, no callbacks.
Premium Calculator
Get an Instant Estimate
Indicative premiums — final pricing subject to underwriting
Estimated Premium
Indicative only. Exact premium confirmed at application.
No commitment · 2-minute form
Proof, Not Promises
Real Claims. Real Outcomes.
Every number represents a real client we helped get back on their feet. Details anonymised to protect privacy.
Mining Equipment — Breakdown & Fire
Copperbelt Mining Support
A Copperbelt mining support company suffered a combined breakdown and fire incident involving a key excavator. Acentria mobilised a specialist engineering adjuster within 48 hours and coordinated the valuation and replacement process. Full replacement value was paid within 14 working days and operations resumed on schedule.
Amount Paid
ZMW 850,000
Settlement
14 days
Motor — Fleet Vehicle Accident
Lusaka Logistics Company
A Lusaka logistics company's fleet vehicle was involved in an accident on the Great East Road, sustaining significant bodywork and mechanical damage. Acentria lodged the claim, managed the assessment process, and confirmed an approved repairer. Full repair costs were settled in 9 working days, keeping the fleet operational.
Amount Paid
ZMW 95,000
Settlement
9 days
Home — Burglary During Travel
Private Individual
A Kabulonga homeowner returned from an international trip to find the property had been burgled and electronics and valuables stolen. Acentria guided the client through the police report and documentation requirements. New-for-old replacement at current market value was settled within 7 working days — no depreciation applied.
Amount Paid
ZMW 45,000
Settlement
7 days
Have a claim to report? Report it here →
Authorised & Regulated
Fully Licensed Across Africa
Acentria operates under the regulatory oversight of the relevant national insurance authorities in every market we serve — so your cover is always backed by law.
2025 Claims Performance
Backed By The Best
Our Reinsurance & Partner Network
Acentria's capacity is supported by the world's largest reinsurers and trusted African financial institutions — so every claim is backed by solid capital.
Reinsurer
Reinsurer
Reinsurer
Reinsurer
Client Stories
Trusted by Thousands Across Africa
Reinsurance solutions that are responsive, expertly structured, and competitively priced. Acentria is our first call for any African risk placement.
Solomon Nyirenda
Chief Risk Officer, Zanaco Bank
Where We Are
Our Offices Across Africa
Every office commits to our service response SLA — so you always know when to expect to hear from us.
Lusaka
Cairo Road, City Centre, Lusaka
Get Started Today
Secure What Matters Most. Let Acentria Tailor Your Health Insurance.
Speak with one of our Zambia specialists today and get a personalised solution within 24 hours.
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