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Togo International Health Insurance / Healthcare System
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 Togo is a
country situated on western Africa. The bordering countries
include Burkina Faso to the North, Benin to the East, the Gulf of
Guinea to the South, and Ghana to the West. The country has a
total land area of 56,785 square kilometers. The capital city of
Togo is Lomé, which is located on the coast of the Gulf of Guinea.
Togo was once a French colony and it gained its independence in
1960, the official language of the country is French.
The climate in Togo is generally tropical and humid; evenings are
cooler in all regions. The southern part of the country is humid
with a temperature range of 23-32°C. There are two rainy seasons
in the south, from March to early July and from September to
October respectively. Climate in the northern part of the country
is semi dry, with a temperature range of between 18-38°C, and the
rainy season is from April to August.
Since 1990, Togo has gone through a long period of riots,
demonstrations, strikes, and political tensions. Although the
political situation in Togo is rather unstable, the country has
many charming natural attractions including forests, savannah,
coastal lakes, sandy beaches and swampy plains. Moreover, coffee
and cocoa farms and palm plantations can be seen all over the
country.
Malaria and water borne diseases are common to Togo. Travellers
are advised to take preventive measures against insect-borne
diseases like dengue fever. It is recommended to use insect
repellent at all times and wear long sleeves, loose fitting, light
coloured clothing, etc. Outbreak of Cholera does happen in Togo
from time to time. Travellers are advised to drink bottled or
boiled water, and avoid any drinks with ice. Travellers are
recommended to receive vaccinations for Hepatitis A, polio and
typhoid when travelling to Togo. Milk in the country is
unpasteurised and should be boiled; any diary products made from
milk should be avoided. Travellers are advised to bring along a
supply of basic medication. The prevalence percentage for HIV/AIDS
was estimated at around 3.3%.
Medical facilities in Togo are limited and of poor quality, and
emergency facilities are extremely inadequate. Most of the medical
facilities are mainly located in the urban areas, with only a few
facilities existing in the rural areas. In the case of serious
illness or accidents that require immediate medical treatment,
medical evacuation to the nearest country with an appropriate
medical facility may be required, and this is usually very costly.
Travellers should be aware that advance payment for medical
services might be required. Although medications are obtainable
through local clinics and pharmacies, however availability is
rather unreliable. For tourists who are on prescription drugs, it
is recommended that you bring along an adequate supply of drugs in
a clearly labelled container that would be enough to last the
whole of your stay in the Togo.
There is a shortage of healthcare workers in Togo, the number of
doctors, nurses and dentists available in the country are very
low. The doctor to patient ratio is about 20 to 100,000. According
to the WHO’s ranking of the world’s healthcare systems, Togo is
ranked 152 out of 190 countries. The total expenditure that the
Government spent on healthcare in Togo is around 6% of the
country’s GDP.
Due to limited available funds that the Government can spend on
healthcare, only a small amount of money is allotted to preventive
healthcare. Shortage of funds has also limited Togo in its ability
to build new or properly maintain currently existing hospitals and
clinics in the country. Moreover, there is a shortage of training
facilities available in the country to provide training to the
medical staff.
Togo is one of the poorest countries in the world; about 38.7% of
the population lives below the poverty line. Traditional healing
methods and preparations continue to be the most widely used form
of healthcare in the country. There is limited national health
insurance in the country and the majority of the local population
does not have any private insurance in place as they simply cannot
afford the premium on private insurance.
Given that the availability of local private insurance options is
limited, it is recommended that travellers or expatriates to
purchase a comprehensive travel insurance policy or an expat
medical insurance plan prior to travelling to Togo. In order to
have an ease of mind knowing that you will have guaranteed access
to treatment and that medical costs will be covered in the event
of an accident or illness while travelling toTogo, it is advisable
to take out an insurance plan which will cover you for medical
transportation or evacuation.
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Togo Internatioanl Health Insurance |
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Globalsurance is a one-stop international health insurance brokerage service provider
for you when travelling to the Togo. We offer a wide range of
policies to meet your individual needs, including benefits such as
dental, maternity, inpatient, outpatient, specialist
consultations, and many others. We offer a large variety of
healthcare plans as well as travellers insurance plans. Contact
our professional advisers today to enjoy full insurance protection
such as an Expat Health Insurance Plan for yourself and your
family.
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