South Africa Risk Assessment Country Guide 

Expat life in South Africa

South Africa is a distinct, multiethnic country with 11 official languages and a population of more than 51 million. As a melting pot of different cultures, the nation has quickly developed one of the strongest economies in Africa. It could be a potential destination for expats and international organizations.

Before departing for South Africa, you should consider coverage byan international insurance policy, in order to help manage to financial impact of life outside of your home country. While most visits to the country are trouble-free, South Africa still presents several risks to foreigners.

At the moment, the political and industrial situations in the country are precarious, according to the UK Foreign and Commonwealth Office. The likelihood of strike action is fairly high, which could also increase leading up to the elections ion 2014. A number of demonstrations have also resulted in violence. All rallies and large public gatherings should be avoided.

  • Health
  • Safety & Security
  • Terrorism

Adequate health insurance is necessary when traveling to South Africa. A confirmed death due to rabies was reported in the Underberg region of Kwazulu-Natal in 2012. In 2010, the UNAIDS/WHO Working Group estimated there were roughly 5,300,000 adults over the age of 15 living with HIV in the country.

Clements Worldwide offers international health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, choice of deductible, multilingual assistance, and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism. 

In addition to a GlobalCare health plan, you may want a Clements' Medical Evacuation and Repatriation insurance policy. Indemnity covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in South Africa.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The road conditions in South Africa are inconsistent across the country. As a result, there are many fatal accidents reported per year. Drivers on South African roads should be wary of erratic behavior from other motorists, such as overtaking in any lane and aggressive driving.

More remote regions of the country often have poorly-maintained roads, with many potholes and other hazards. Therefore, you should drive carefully and stay in familiar territory during the night. Some criminals have been known to target drivers, either for hijacking or other forms of robbery.

Clements offers Worldwide Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest. 

In addition, mariners around South African waters should be vigilant for piracy. The African continent as a whole is plagued by numerous incidents, and Clements offers unique Maritime Security insurance solutions. Coverage ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in South Africa.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is low to moderate threat of terrorist activity in South Africa. While attacks are unlikely, expats should be cautious when visiting public places frequented by foreign travelers. 

Clements provides Political Risk insurance to help cover costs related to an incident. Policies offer the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

In the event of a kidnapping, Clements also provides Kidnap and Ransom insurance. With a policy, you will have financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in South Africa.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions