Harare, Zimbabwe — February 2, 2026 Zimbabweans Prioritize Funeral Insurance Over Medical Coverage.
In Zimbabwe, funeral insurance has become the most widely held financial product, surpassing medical cover, as the country grapples with high healthcare costs and a struggling economy. Data from the National Statistics Agency shows that 90% of the population lacks health insurance, with only 30% holding funeral insurance policies.
Steward Ganda, a 60-year-old from Harare, is a case in point.
Despite suffering from severe leg pain, Ganda, like many without health insurance, hoped to recover without medical attention. His condition worsened, and his family, unable to afford the $600 consultation fee for a nephrologist, were unable to save enough for his treatment.
Ganda died shortly after being admitted to Sally Mugabe Central Hospital.
While Ganda could not afford health insurance, he never missed his $11 monthly payment to Nyaradzo Group, a funeral services company. His funeral was held with dignity, thanks to the funeral insurance he had maintained.
Funeral insurance is cheaper and culturally resonant in a society where dignity in death is often prioritized over medical care.
Public health fees in government — run facilities start at about $5 per month but are often accompanied by poor infrastructure, limited drug supplies, and staff shortages. Private insurance premiums can start at around $10 per month but can rise significantly, making them unaffordable for many.
The government plans to launch a national health insurance scheme in June, aiming to expand access to quality healthcare.
However, concerns remain about the government’s capacity to sustain the program, given the country’s high public debt, currency fragility, and persistent inflation.
In the meantime, funeral insurance continues to be a popular choice for many Zimbabweans.
Officials commented on the matter. Community-based burial schemes are also gaining popularity, with groups like the Jegede Burial Society in Zaka, a rural area, helping families afford funerals.
These groups collect contributions from members, which are used to cover funeral costs and provide support to bereaved families.
Despite the challenges, there is hope that the national health insurance scheme will help improve access to healthcare in Zimbabwe. For now, funeral insurance remains a lifeline for many, ensuring that they can afford the dignity of a proper farewell.
*Additional reporting by ImNews | Sources consulted: 5*
