Universal Health Insurance (UHI)

Universal Health Insurance is a government-led programme designed to ensure that every individual in Tanzania has access to essential healthcare services. As implementation progresses, UHI forms the foundation of the country’s healthcare system, providing basic medical cover for individuals, families, and employees.

For employers, UHI is not just a regulatory requirement it is a starting point for building a responsible and compliant health benefits structure.

At Howden Tanzania, we help you navigate Universal Health Insurance with clarity and confidence.

What Universal Health Insurance provides

UHI offers access to essential healthcare services through approved public and participating healthcare facilities across Tanzania. It is designed to support primary care needs and basic hospital services, ensuring that no one is left without medical support.

Universal Health Insurance plans are available from TZS 150,000 making them an affordable entry point for mandatory health coverage.

Who needs UHI?

• Employers meeting national health coverage requirements
• Individuals and families seeking compliant healthcare cover
• Organisations aligning employee benefits with government policy
• Businesses formalising health cover for their workforce

How Howden Tanzania supports you

We simplify Universal Health Insurance and act as your trusted advisor every step of the way:

• Clear explanation of UHI requirements and obligations
• Market research and comparison of available plans to find the best fit for your organisation
• Support with enrolment, documentation, and renewals
• Guidance on integrating UHI with private group medical insurance
• Ongoing assistance for HR and administration teams

Our role is to make compliance straightforward while ensuring you choose the most suitable, cost-effective plans without disrupting your business.

UHI and private medical insurance

Universal Health Insurance provides a baseline level of protection. Many employers choose to complement UHI with private medical insurance to offer:

• Wider hospital and provider choice
• Faster access to treatment
• Enhanced employee experience
• Higher limits and additional benefits

We help you structure the right balance ensuring compliance while delivering meaningful healthcare benefits.