Studying in Cape Verde is an opportunity to immerse yourself in a vibrant island culture, gain an international education, and enjoy a slower pace of life in a stunning Atlantic setting. But as an overseas student, one thing should never be an afterthought—health insurance.
The public healthcare system in Cape Verde is improving but still has limitations. Complex cases, specialized treatments, and certain diagnostics often require evacuation to Portugal or nearby countries. Without insurance, this can lead to significant out-of-pocket costs. That’s why finding the right international health insurance provider is not just smart—it’s essential.
Below, we’ll look at the top 10 health insurance options for international students in Cape Verde in 2025, along with actionable tips to help you choose the best fit for your needs.
Why Health Insurance is Essential for Students in Cape Verde
Cape Verde has a mix of public hospitals, private clinics, and regional health centers. While basic medical care is accessible, resources can be limited—particularly in smaller islands. Emergency evacuation for advanced care abroad can cost thousands of euros.
For students, the right health insurance ensures:
- Visa and university compliance – Some programs require proof of adequate coverage.
- Financial protection – Covers expensive emergencies, hospital stays, and specialist care.
- Access to quality care – Enables treatment in private clinics or overseas facilities if needed.
- Peace of mind – Lets you focus on studies, not medical costs.
The Top 10 Health Insurance Providers for International Students in Cape Verde
These providers are recognized for reliability, strong coverage, and student-friendly features.
1. Allianz
Best for: Comprehensive, reputable coverage with strong global support.
Allianz offers expat health insurance tailored to different budgets and needs through its Care, Care Plus, and Care Pro plans. Students benefit from 24/7 customer support, digital claims submission, and optional add-ons like dental or vision care.
Strengths:
- Wide international network.
- Flexible plan levels.
- Strong brand reputation.
Pro Tip: For semester or year-long programs, choose Care Plus for balanced cost and benefits.
2. Cigna
Best for: Flexible, customizable global coverage.
Cigna is a top choice for students who want control over their plan design. You can combine modules for inpatient, outpatient, dental, and mental health. Their network includes both Cape Verdean clinics and a broad international range.
Strengths:
- Fully modular coverage.
- Large global provider network.
- Strong mental health benefits.
Pro Tip: If you plan frequent trips home or to other countries, choose a coverage zone that includes those destinations.
3. MSH International
Best for: Tailored expat and student-focused coverage.
MSH International is known for creating plans that adapt to unique situations. Their digital tools for claims and provider searches make healthcare navigation easier.
Strengths:
- Flexible plan structure.
- Digital-first approach.
- Experience with student and expat needs in Africa.
Pro Tip: Use their provider search tool before arriving to know where to get care locally.
4. Now Health International
Best for: Students who want quick, digital-first service.
Now Health offers plans for a range of budgets, with coverage for emergencies, maternity, and dental. Their app-based claims process is fast and efficient.
Strengths:
- Multiple plan tiers.
- App-driven claims and support.
- Good emergency care benefits.
Pro Tip: Pick the higher-tier option if you want strong outpatient coverage—it’s worth it for regular care access.
5. April International
Best for: Affordable, paperless coverage with a global reach.
April International provides budget-friendly plans that are popular among expats and students. Their all-digital claims process makes it easy to handle paperwork while abroad.
Strengths:
- Competitive pricing.
- Global provider access.
- Quick digital claims.
Pro Tip: Ideal if you want low admin hassle and predictable monthly costs.
6. Indigo Expat
Best for: Students wanting flexible zone-based coverage.
Indigo Expat offers “1st Euro” and top-up plans, meaning you can start from scratch or add to an existing plan. Their 24/7 support is particularly useful for those living far from major hospitals.
Strengths:
- Zone-based pricing for cost control.
- Both full and supplemental coverage options.
- Multilingual assistance.
Pro Tip: Choose 1st Euro coverage if you have no other plan—top-up works best if you’re partially covered through another source.
7. International Medical Group (IMG)
Best for: Variety of plan tiers for different budgets.
IMG’s student insurance plans (Lite, Plus, Platinum) are designed with overseas learners in mind. They include high medical limits, mental health coverage, and 24/7 telehealth access.
Strengths:
- Plan tier flexibility.
- Strong mental health provisions.
- Telehealth for routine consultations.
Pro Tip: Consider the Platinum tier if you have ongoing health needs or expect frequent GP visits.
8. International Student Insurance (ISI)
Best for: Student-specific benefits and affordable rates.
ISI focuses exclusively on student insurance, offering resources for navigating healthcare abroad. They provide various coverage levels, including sports and maternity add-ons.
Strengths:
- Designed for students from the ground up.
- Affordable monthly rates.
- Strong customer service.
Pro Tip: Use their resources to understand the healthcare system in Cape Verde before arrival.
9. Pacific Prime
Best for: Comparing multiple insurer options in one place.
Pacific Prime is a broker that partners with top-rated global insurers. For students, this means you can compare premiums and benefits across several providers quickly.
Strengths:
- Access to multiple insurers.
- Experienced brokers for expat and student markets.
- Helps match plan features to budget.
Pro Tip: Use Pacific Prime to narrow your choices, then contact shortlisted providers directly for final quotes.
10. AXA Global Healthcare
Best for: Trusted, comprehensive global coverage.
AXA Global Healthcare offers flexible student and expat plans with the backing of a globally recognized brand. They cover inpatient, outpatient, and evacuation services.
Strengths:
- Strong brand and reliability.
- Good balance between cost and coverage.
- Customizable plan modules.
Pro Tip: Consider AXA if you want a global insurer with long-term renewal options.
Key Points When Choosing a Provider
Selecting a health insurance plan is more than comparing prices—it’s about matching coverage to your actual needs. Here are some key factors to prioritize:
- Comprehensive Coverage
Look for plans covering hospitalization, outpatient care, emergency services, prescriptions, mental health, and ideally dental. Cape Verde’s healthcare system may require overseas treatment for certain conditions, so evacuation benefits are crucial. - Flexibility
Choose a provider offering modular coverage so you can adjust benefits to match your stay length, activities, and budget. - Network
Ensure the provider has direct billing arrangements with Cape Verde’s main hospitals and clinics, or covers care in neighboring countries if evacuation is required. - Student-Friendly Features
Some insurers, like ISI and IMG, offer student-specific rates and benefits, including assistance with claims and visa documentation. - Digital Support
Mobile apps and paperless claims save time and effort—especially if you’re balancing studies and travel. - Emergency Services
Make sure your plan includes medical evacuation to Portugal, Senegal, or other nearby countries with advanced facilities, as well as round-the-clock emergency assistance.
Summary Table – Top Health Insurance Options in Cape Verde (2025)
| Provider | Good For | Major Strengths |
| Allianz | Comprehensive, reliable coverage | Care/Care Plus/Care Pro plans, 24/7 support |
| Cigna | Flexible, customizable plans | Modular coverage, global network |
| MSH International | Tailored expat/student coverage | Flexible plans, strong digital tools |
| Now Health International | Fast, tech-friendly service | App-based claims, emergency/maternity/dental cover |
| April International | Affordable, paperless | Global presence, straightforward admin |
| Indigo Expat | Flexible zone-based pricing | 1st Euro/top-up plans, multilingual 24/7 support |
| International Medical Group | Tiered student plans | Telehealth, high limits, mental health cover |
| International Student Insurance | Student-specific focus | Affordable, tailored add-ons |
| Pacific Prime | Comparison shopping | Access to multiple insurers, brokerage expertise |
| AXA Global Healthcare | Global reputation | Flexible modules, strong network |
Final Advice for Students
Choosing health insurance in Cape Verde is about more than ticking a visa box—it’s about protecting yourself from the unexpected.
Action Steps Before You Buy:
- Compare at least three providers based on coverage, not just price.
- Confirm your plan meets Cape Verde’s visa requirements and your university’s rules.
- Check if your insurer’s network includes hospitals near your campus or accommodation.
- Ensure you understand the claims process—digital systems are faster and less stressful.
- Factor in your travel plans; if you’ll be visiting other countries, include regional or global coverage.
With the right plan, you’ll be able to study, explore, and enjoy your time in Cape Verde without worrying about medical costs. Whether you choose the affordability of April International, the flexibility of Cigna, or the premium coverage of Allianz, the peace of mind you gain will be worth every cent.
Insurance Companies
- Allianz
- Cigna
- MSH International
- Now Health International
- April International
- Indigo Expat
- International Medical Group (IMG)
- International Student Insurance (ISI)
- Pacific Prime
- AXA Global Healthcare
References:
- Allianz Care. (2025). International student and expat health insurance plans. Allianz Partners. https://www.allianzcare.com
- April International. (2025). Student and expat insurance plans. April International. https://www.april-international.com
- AXA Global Healthcare. (2025). International student and expat health insurance. AXA Global Healthcare. https://www.axaglobalhealthcare.com
- Cigna Global. (2025). International student and expat health insurance plans. Cigna. https://www.cignaglobal.com
- IMG. (2025). International student medical insurance. International Medical Group. https://www.imglobal.com
- Indigo Expat. (2025). International student & expat health insurance. Indigo Expat. https://www.indigo-expat.com
- International Student Insurance. (2025). Student health insurance plans. International Student Insurance. https://www.internationalstudentinsurance.com
- MSH International. (2025). International student and expatriate health insurance. MSH International. https://www.msh-intl.com
- Now Health International. (2025). International health insurance for students and expats. Now Health International. https://www.now-health.com
- Pacific Prime. (2025). Compare international student and expat health insurance. Pacific Prime. https://www.pacificprime.com
