Insurance & Protection

Health, motor and life cover — what is compulsory, what is worth it, and how to claim.

4 guides · Last updated Oct 2026

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What Happens to Your Money When You Die in Zambia (2026): Wills, Intestacy and Letters of Administration Die without a will in Zambia and a 1989 statute decides for you — 20% to your spouse, 50% to your children, 20... 14 min read → Motor Insurance in Zambia (2026): What the Law Actually Requires, and Why "Act Only" Leaves You Exposed The Road Traffic Act sets a minimum third-party cover of roughly K66,680 per person injured or killed. Here is... 13 min read → NHIMA Explained (Zambia 2026): The 1% Health Deduction and What It Actually Covers Every employed Zambian contributes 1%, the employer matches it, and there is no cap. Here is what the cover in... 7 min read → Insurance in Zambia: What You Need and What's Just Nice to Have (2026) Compulsory motor cover and the three levels, life and funeral cover, NHIMA and private health, and how to buy... 4 min read →

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