Brazil Risk Assessment Country Guide 

Brazil Insurance

As South America's largest country, Brazil is an expansive nation covered by mountains, forests and bustling metropolises. With a population nearing 200 million and an expanding economy, the country is an attractive destination for expats and international organizations.

From 2000 to 2010, Brazil became one of the fastest growing economies in South America with exports growing 20% and domestic debt cut in half. Then, in 2013, people began to criticize the country for over-spending, including over-budget expenses for the 2014 World Cup. As more money comes to Brazil, income inequality remains a problem for the citizens and corruption become more prevalent. In August 2015, over 400,000 people marched in Sao Paulo and Brasilia to protest against the corruption of Brazil’s president, Dilma Rousseff.

Comprehensive international insurance policies are recommended prior to leaving for Brazil. Political violence is relatively common in the country, according to the UK Government. Protests have occurred recently in several major cities, including Rio de Janeiro, Sao Paulo, Brasilia, Recife and Belo Horizonte. These incidents have often turned violent, resulting in many injuries. International insurance solutions from Clements will protect you from political, economic, and business security-related risks while outside of your home country in Brazil. 

There are also high levels of crime and violence across Brazil, particularly in major cities. Expats should travel with caution before and during the festive and Carnival times.

  • Health
  • Safety & Security
  • Terrorism

From August 5 to August 21, Rio de Janerio will be hosting the 2016 Olympic Games. With the recent outbreaks of the Zika virus, the CDC recommends all travelers be up-to-date on vaccinations, purchasing travel health and medical insurance, and take precautions against mosquito bites.

As of May 2015, there have been more than one million cases reported of the Zika virus. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to people. Local transmission means that mosquitoes in the area have been infected with Zika virus, spreading it to humans. The most common symptoms of Zika virus disease are fever, rash, joint pain, and conjunctivitis (red eyes). The illness is usually mild with symptoms lasting from several days to a week. Severe disease requiring hospitalization is uncommon.  Talk to your doctor or nurse if you develop these symptoms. Although there is no cure or vaccine for Zika, take standard precautions against mosquito bites and practice safe sex. Pregnant women should consider postponing travel.

On March 13, 2016, the CDC issued a level 1 watch for Brazil as there have been 5,000 cases reported of the locally transmitted disease Chikungunya in Brazil. Chikungunya causes fever and joint pain and the CDC recommends that travelers to Brazil protect themselves from mosquito bites. 

On May 26, 2015, the CDC issued a level 1 watch for Brazil due to the increase of reported cases of dengue fever, including 229 deaths. As of May 8, 2015, 745,957 cases of dengue fever have been reported in Brazil with the highest cases occurring in Acre, Sao Paulo, and Goias. 

There have also been increased reports of malaria in the region. From Jan to mid March 2015, 28 cases of locally transmitted malaria have been reported in the states of Rio de Janerio and Goias.

In Brazil, foreign nationals are entitled to emergency medical treatment in public hospitals. They are often overcrowded and may lack accessible resources for quality care.

In order to access private medical facilities, proof of insurance or evidence of sufficient funds is required. Expats should be aware of the rainy season in Brazil and the high UV levels and warm temperatures due to  country's location near the equator.

Clements Worldwide offers comprehensive GlobalCare® health insurance for expats in Brazil, which guarantees access medical care funds. With Clements, you will have up to USD 5 million in health care benefits,  flexible payment plans, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism.

If you need to travel to reach an adequate medical facility, Clements also provides Medical Evacuation and Repatriation insurance. A policy 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 Brazil.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Given the current political situation in Brazil, there are high levels of poverty and violent crime in shanty-towns (favelas) in most Brazilian cities. Although security has improved in these favelas, they are still dangerous areas and violence is targeted at police and officials.  Expat should avoid traveling in these favelas and be highly alert.

Brazil has a high road accident rate and in rural areas the quality of roads and standards of driving for trucks and buses is poor. Brazil also has a zero tolerance policy on drunk driving, resulting usually in prosecution.

With Clements, you can have an international car Insurance policy that provides Physical Damage, Third Party Liability, and Excess Liability. Optional Political Violence extension is recommended, which t broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Brazilian waters also pose several risks to travelers. A number of armed and unarmed attacks against merchant vessels have been reported near the coast and some ports. To ensure safe operation within Brazilian waters, Clements offers Maritime Security insurance. 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 Brazil.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a low risk of terrorism throughout Brazil. While attacks are unlikely, expats should be vigilant while living in the country.

To provide financial security in the event of a terrorist attack, Clements can create a customized War and Terrorism insurance policy for your needs. These extensions offer the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism.

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 Brazil.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions