Health coverage in Tunisia

Very similar to the French system, the Tunisian public health insurance covers foreign residents working in the country in the same way as nationals and their families. However, the strong disparities in the supply of healthcare between the city and the countryside, and between the public and private systems, lead expats to take out complementary international health insurance.

Get a quote according to the length of your stay:

Health insurance for expats in Tunisia

The health insurance system in Tunisia
 

The Tunisian National Health Insurance Fund (CNAM) operates on the French model for both Tunisian employees and expatriates. The self-employed have a specific plan that they can join separately. Tourists, on the other hand, do not have access to Tunisian health coverage.

The Tunisian health system provides comprehensive coverage for the whole family: healthcare and medication, work accidents, maternity leave, etc. Insured persons have to choose between three plans to cover their outpatient care (care provided in private practice or in hospital, but without hospitalisation):

  • The so-called "public sector" plan (or "blue card"), which provides full coverage in the public and parapublic system, subject to the payment of moderate co-payments (which, when added up throughout the year, cannot exceed 1.5 months' salary).
  • The "private sector" plan ("yellow card"), which provides reimbursement in the form of third-party payments for care provided in the public and private sectors under agreement, according to a specific scale (excluding extra fees) and if referred by a GP. On the other hand, there is a cap on reimbursements for outpatient care (200 TND per year and per insured person, i.e., €60). 
  • The "reimbursement of expenses" plan ("green card"), which allows access to all types of care facilities, public or private, with or without prior referral by the general practitioner. Reimbursements, again limited by a specific scale and capped over the year, are made a posteriori and therefore imply that the care recipient pay all costs in full first.

As for hospital costs, they are covered in the same way regardless of the chosen plan: 

  • In the form of third-party payments in the public sector, with a maximum co-payment (80 TND maximum).
  • Only for certain surgical treatments in the private sector, and with prior authorisation in order to benefit from third-party payment, excluding extra fees.

How to choose health insurance in Tunisia: local or international?
 

Healthcare is therefore partially covered by the Tunisian Health Insurance system, especially if it is provided in the private health sector. 

To benefit from a wider range of care and/or obtain more comfortable levels of reimbursements, policyholders generally take out complementary health insurance, either local or international. International health insurance offers more flexibility, allowing insured persons to seek treatment more easily in the country's major cities, or abroad in case of a specific need.
 

The cost of healthcare in Tunisia: some examples from the private sector

Liste exemple remboursements

GP CONSULTATION

A consultation with a general practitioner will cost you 60 TUN (€18.5)

APRIL International up to 19 €*

Out-of-pocket expenses 0€**

SPECIALIST CONSULTATION

You should pay around TUN 70 (€21.5) for a visit to a specialist

APRIL International up to 22 €*

Out-of-pocket expenses 0€**

HOSPITALISATION - MATERNITY

An natural delivery without complications (3 days in hospital) costs an average of TUN 4,300 (€1,320)

APRIL International up to 1320 €*

Out-of-pocket expenses 0€**

Disclaimer

Examples of average costs of care in the private health sector - APRIL International data 01/2022

 

* Example of reimbursement with MyHealth International - Comfort

** Example of the amount to be paid by the insured after reimbursement

Care in Tunisia

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Care in Tunisia
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Choosing hospitals
 

The quality of the Tunisian health system is renowned in Africa. However, there are major disparities between hospital facilities in the major cities and in rural areas. It may be necessary to go to the city, particularly Tunis, Sfax, or Medenine, in case of specific or complex health needs.
 
Moreover, private establishments are generally better equipped and staffed than public hospitals. The Tunisian National Health Insurance Fund provides a list of approved establishments classified by locality and speciality.

Titre phone establishment list
Health facilities

Phone establishment list

Titre phone display
Emergency numbers in Tunisia

Phone display list
Label
Emergency
Phone number
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Police
Phone number
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Fire Services
Phone number
Services group
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Title
COVERAGE IN THE PRIVATE SECTOR
Description
Reimbursement of health expenses from the first euro/dollar, including in private hospitals
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Title
TRAVEL WITH PEACE OF MIND
Description
Coverage in Tunisia, or in other countries when you travel
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Title
OPTICAL & DENTAL CARE
Description
Reimbursement of optical and dental care (option)
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Title
UNLIMITED TELEMEDICINE SERVICE
Description
A free medical telemedicine service available 24/7 anywhere in the world
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Title
MEDICAL TRANSPORT
Description
Repatriation assistance is included in your cover
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Title
DIRECT BILLING
Description
In the event of hospitalisation, you pay nothing out of pocket

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