ThinkCare Africa plans are community rated plans distributed through our dedicated Think Insurtech Saas platform with major insurers & reinsurance companies.


The Think Insurtech SaaS platform is a full digital API-based platform developed by Think Insurtech to automate the distribution of international Healthcare policies, manage Data/Compliance in accordance with the international GDPR regulation and the Insurance Distribution Directive in Europe.


Our underwriting philosophy for the Individual/Family plan is Full Medical Underwriting (FMU) including a medical questionnaire to cover pre-existing medical conditions. Pre-existing conditions are medical conditions or any related conditions for which one or more symptoms have been displayed at some point during your lifetime, irrespective of whether any medical treatment or advice was sought.


Any such condition or related condition, about which you or your dependants could reasonably have been assumed to have known, will be deemed to be pre-existing. Pre-existing conditions are covered under the policy, unless otherwise advised by us in writing. Conditions arising between completing the Application Form and the start date of the policy will equally be deemed to be pre-existing.


Such pre-existing conditions will also be subject to medical risk assessment and may result in adding conditions to the policy, charging a loading premium, adding an exclusion or rejecting the application/an insured person.


Our digital health insurance range of plans in Euro, USD & Top-Up CFE system cover 3 areas to better understand your needs and your budget: Zone 1 Africa and Indian Sub-continent - Zone 2 Europe and Africa, Indian Subcontinents - Zone 3 Worldwide excl. USA

ThinkCare Major Risk is a plan that covers the insured on cost associated with major hospitalisation...
ThinkCare Major Risk+ covers the insured on in-patient, out-patient and day-patient care treatments,...
ThinkCare Secure covers for in-patient and out-patient treatment including GP and Specialist fees, p...
The Comprehensive plan covers in-patient, out-patient treatment including GP, specialist appoin...
This plan is the most comprehensive plan with higher benefits than the Comprehensive plan. This...

All Plans

Fully medical underwriting
Employee benefits Insurance
Secure Health records
Lifetime coverage
24/7 Emergency Assistance
Emergency evacuation repatriation and ambulances services
Easy to Claim
Inpatient Major risk cover