Zimbabwe Risk Assessment Country Guide 

Doing business in Zimababwe

Recent changes in Zimbabwe have resulted in an improved political and economic climate. This landlocked, southern African nation relies heavily on the mineral exports, gold, agriculture and tourism sectors, and economic conditions in the country have been on the upswing.

As a result, Zimbabwe could become a desirable location for expats and foreign travelers alike. According to the UK Foreign & Commonwealth Office (FCO),  the new Government of National Unity has led to a better outlook for the country as a whole, although some political tensions remain.

There are moderate threats throughout Zimbabwe, such as a low risk of terrorism, poor driving conditions and some health problems. Therefore, you should consider comprehensive international insurance prior to leaving your home country. Appropriate coverage can help manage the costs of life abroad.

  • Health
  • Safety & Security
  • Terrorism

Before leaving for Zimbabwe, you should contact your primary care physician and discuss all possible vaccinations and other preventative measures. Health care supplies are limited, and you may not be able to receive proper medications and care.

Hospital staff members often lack training, which could impact trauma care and other treatments. The entire country is experiencing a fuel shortage, so emergency response vehicles may not be able to reach your location. Private clinics can be expensive, and they require payment prior to admission. Medical costs can be extremely high, especially for evacuation.

Zimbabwe has experienced an outbreak of typhoid in the Harare region. The UNAIDS/WHO Working Group estimated that there are roughly one million adults living with HIV in the country. That equates to approximately 14.3 percent of the population.

Clements Worldwide offers GlobalCare® 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. 

The costs of medical evacuation are extremely high in Zimbabwe. A Medical Evacuation and Repatriation policy from Clements 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 Zimbabwe.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

In 2009, Zimbabwe formed a cross-party inclusive government. As a result, political violence decreased and the shift toward foreign currency has allowed to economy to expand. 

Even so, you should avoid all political demonstrations and activity, and observe local customs. It is an offense to make any negative comments about the nation's president. Authorities have used force to counter a number of political rallies in the past, and could do so again.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions can be dangerous in Zimbabwe. Traffic accidents often result in death or injury. Traffic lights typically do not work, which could lead to erratic driving behavior. You should always take care to lock car windows and doors when driving, and consider scheduling plans to avoid traveling at night.

It is illegal to continue driving when the President's motorcade goes by. If you see it approaching, you should pull over quickly. In the past, security forces haveconfronted drivers for not pulling over soon enough or doing so in the wrong place.

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. 

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 Zimbabwe.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in Zimbabwe. Given global risk levels, however, you should remain cautious in public locations. Those include restaurants, bars and hotels, as well as any place visited by expats and tourists.

A Political Violence insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides Kidnap and Ransom insurance, which ensures 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 Zimbabwe.

Source: UK Foreign and Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions