Medical & Health

Quality private healthcare can be expensive, and medical emergencies rarely arrive at a convenient time. Medical insurance gives you and your family access to private hospitals, specialists and diagnostics, with the costs covered within the limits of your plan.

We arrange individual and family plans as well as group medical schemes for employers who want to look after their teams. Group cover has become one of the most valued employee benefits in Zambia, helping businesses attract and retain talent while keeping staff healthy and productive.

Medical plans differ widely in their hospital networks, annual limits, waiting periods, chronic-condition cover and outpatient benefits. We compare these details across providers, explain them clearly, and help you choose a plan whose benefits match the care you are actually likely to need.

What we can arrange

Cover options at a glance.

Exact terms, limits and exclusions vary between insurers. We’ll walk you through the details of every option before you decide.

In-patient cover

Hospital admission, surgery, theatre and specialist fees.

Out-patient benefits

Doctor consultations, prescribed medication and diagnostic tests.

Chronic conditions

Ongoing management of conditions such as diabetes and hypertension, where included.

Dental & optical

Routine dental care, spectacles and eye tests on plans that include them.

Group medical schemes

Tailored cover for employees and their dependants.

Why Symmetric

More than a policy. A partner for the life of your cover.

We compare the market

Your requirements go to insurers whose appetite and capability fit — and we negotiate on premium, excess and terms.

We explain it plainly

No jargon, no hidden clauses. You’ll know exactly what is covered, what isn’t, and what to do if something happens.

We stand by you at claims

From the first call to final settlement, we manage the insurer on your behalf and push for a fair outcome.

Often arranged together

All services