Health Insurance For Expats In Botswana

The Best Health Insurance For Expatriates Living In Botswana

Posted by Greg Jones on January 24, 2020

If you've searched the internet for health insurance that covers expats in Botswana then you are most likely for looking for established UK based health insurance providers that will cover your medical costs in Botswana.

Living as an expat in Botswana you want to avoid any nasty unexpected medical costs. In some countries these can run into hundreds of thousands of pounds for very serious conditions.

Our advice when shopping around for private medical insurance that covers expatriates living in Botswana is to speak to a insurance broker. Health insurance is incredibly complicated and if you want complete certainty that Botswana is covered you should consult with a broker who can explain which providers will cover medical costs for expatriates in Botswana and which will exclude it.

There are many advantages to using a insurance broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.

  • Do you reside in many different areas? Some will give you a lower premium than offers. A insurance broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance policy? A broker will know this vital information.
  • If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different policies?
  • You've lean't you're at risk of developing a certain condition and want to know which policy provider offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.

You can call around every medical insurance provider on the market and ask if they provider cover for expats in Botswana, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its much quicker to speak to one medical insurance broker which will know which policy providers on the market offer cover for expats in Botswana and under what terms they do or don't cover it.

Botswana Information

Botswana's principal tourist attractions are its game reserves, with hunting and photographic safaris available. Other attractions include the Okavango Delta region, which during the rainy season is a maze of waterways, islands, and lakes. The tourism industry also helped to diversify Botswana's economy from traditional sources such as diamonds and beef and created 23,000 jobs in 2005.

Botswana's tourism industry began to develop in the context of favorable geopolitical conditions in the 1990s. Southern Africa experienced political stability following the end of apartheid as well as the release of Nelson Mandela from prison in 1990. The global improvements in transportation and communication systems of the time further served to make tourism in Botswana more viable. In 1990 Botswana implemented a Tourism Policy aiming to increase tourist numbers, government revenue, and employment opportunities. The policy focused on attracting up-market international tourists from Europe, North America, Australia, and New Zealand to increase revenue. While employment rates were successfully increased with the tourism industry representing 4.5% of the total formal employment in Botswana, most higher paying management level positions in the industry were reserved for expatriate workers.

Botswana relies on natural resources for both general livelihoods and tourism. The scarce and fragile natural resources of the country are particularly crucial for rural livelihoods, which utilize water, forests, and rangeland. The Okavango Delta region is both a popular tourist destination and a world heritage site as well as one of the largest inland deltas in the world. Its popularity with tourists has stimulated the growth of infrastructure, facilities, and services in the region including banks, hotels, and airstrips. However, local communities of Khwai, Mababe and Sankoyo villages in the Okavango complain they lack access to natural resources of the Moremi Game Reserve because it has been dominated by international tourists and foreign tourism companies.

While the vast majority of attractions are based on the country's natural resources, the tourism industry itself makes the very resources it has commodified vulnerable to damage. Large groups of people in tourist groups can disrupt wildlife and lead them to migrate to other habitats that may be unsustainable. Litter left behind by tourist groups can also alter soil composition and introduce harmful invasive species to the region. Other popular tourist activities like speedboating can further disturb aquatic wildlife while wildlife and bird photography can distort the behavior of certain species including their feeding and breeding patterns.

Botswana has experimented with various methods of preserving natural resources including community based natural resource management (CBNRM), which is based on assumption that local people have more incentive and are more committed to the sustainable use of natural resources where they live compared to the more removed government. However, the lack of resources and skills in local communities has often led them to depend on the assistance of international partners to achieve their dual goals of increasing economic prosperity and preserving natural resources.

Expanding cultural tourism in Botswana has the potential to make tourism more sustainable by reducing the pressure and traffic in existing wildlife attraction sites while simultaneously creating a more equitable distribution of tourism-based development by providing more opportunities for local communities to engage in the tourism economy. Cultural tourism provides opportunities for tourists to learn about art, heritage, and local traditions. Some argue it can boost the economic status of the people, create employment, enhance community cohesion and cultural pride, and contribute to the development of infrastructure. Similarly, village based tourism also focuses on exposing tourists to traditional crafts and daily life, which particularly advantages women, who have often been left out of the benefits of tourism. Revenue from village based tourism creates opportunities for vocational training and entrepreneurship for local women. Employment in their own home village allows women to fulfill their familial obligations while gaining financial independence.

Botswana offers the traveller a choice of accommodation options from top class tourist hotels, luxury lodges and safari camps, to budget guesthouses and camping grounds. The major tourist areas have a choice of private lodges, safari camps, and public camping sites.

A variety of cuisines are served in hotels and restaurants from local favourites and game meat, to continental and Asian dishes. There are also plenty of fast food outlets and small restaurants/takeaways offering local dishes. For the full collection of accommodation sources, you can browse at Tourism in Botswana - Africa Tourism Web Portal.