Guide to Medical and Health Insurance in Cameroon

 As a citizen, you must know how medical insurance works in Cameroon. Medical insurance is an essential yet vague part of the industry, especially in a country like Cameroon. The average citizen is fine with insuring himself but focuses on valuable properties. 

However, life remains our greatest asset, and consequentially the medical aspect of insurance. In the future, making health insurance compulsory by the government to its employees (doctors, teachers, etc.) has done a lot to spread its reach across the nation.

Guide to Medical and Health Insurance in Cameroon

What is medical insurance?

Medical insurance is simply protection or insurance against certain medical expenses. However, the average one mainly covers specialized medical treatments, while some cover medical procedures. Also, the coverage is often limited depending on the plan's details. Medical insurance is primarily handled by a health maintenance organization (HMO) which settles the bill directly with the hospital or reimburses the insured if they pay out of pocket.

How does medical insurance work?

It has a straightforward procedure, let’s say, requirements for getting health insurance. It involves a residual purchasing an insurance plan, which gives specific specified medical coverage or more, depending on the policy. 

It usually provides coverage against specific diseases, hospitalization treatment, accidents, and other treatment expenses. Also, usually comes with a pre-decided assured sum. However, this could depend on the policy coverage.

They form a plan or policy based on the following details; the insured’s age, gender, sum insured, geographic location, and expected insureds of the plan. Also, HMOs mainly process medical insurance through; cashless treatment and reimbursement. Furthermore, you can purchase an individual plan or more of a family basis edition.

See Also: Top Nursing Schools in Cameroon.

Benefits of Medical Insurance

It comes with different benefits, which include the following:

  • It provides coverage against pre-specified medical expenses
  • Coverage against critical illnesses
  • Cashless claim benefit that eases you off out-of-pocket payment
  • It gives additional protection beyond the basic group plan purchased by most employer

Medical Insurance Coverage

Generally, medical insurance mainly covers the following:  

  1. Other exceptions and peculiar treatments, as stated by the policy
  2. Cosmetic procedures
  3. Certain expensive medical procedures
  4. Fertility treatment

It usually does not cover the following but could, depending on your policy:

  • Regular hospital visits
  • Drug prescription
  • Wellness and care

What is the difference between medical insurance and health insurance?

The difference between the two is that medical insurance covers specific ailments and accidents for a certain amount of time. On the other hand, health insurance offers a more comprehensive range of hospital expenses. 

Also, medical insurance does not cover critical illnesses and offers no flexibility in terms of coverage. Furthermore, health insurance provides these and allows you the flexibility to reduce policy duration and premium after a while.


Medical insurance is the less-known part of the insurance industry in Cameroon. It covers certain pre-defined treatments and is more specific than general health insurance. Also, purchasing medical insurance is your best bet against battling bills that could arise from specialized emergency treatments.  

Dr. Temo Melvin

Dr. Temo Melvin is a licensed Medical Doctor, Expert Blogger, and Entrepreneur.

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