[vc_row row_content_width=”grid” css=”.vc_custom_1530795405190{padding-top: 98px !important;padding-bottom: 100px !important;}”][vc_column offset=”vc_col-lg-12 vc_col-md-12″][eltdf_tabs type=”vertical”][eltdf_tabs_item tab_title=”BANKS AND FOREING EXCHANGE”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”BANKS AND FOREING EXCHANGE”][vc_empty_space height=”41px”][vc_column_text]



Visitors to Mozambique should be aware that it is difficult to obtain cash in Maputo with a credit, debit or cash card. Cashing a traveller’s cheque is expensive and facilities are not available everywhere. It is not possible to obtain fuel from filling stations with any card at all. It should also be noted that foreing currency is not freely available as it is imported as required. Most Hotels and restaurants will accept credit card for payment and USDollars/Rand notes are accepted for payment at filling stations, street vendors and other establishments. Except to have the exchange rate determined by the supplier or vendor!




There are a number of commercial banks in Mozambique, with their head officies in Maputo, which provide bank account service to individuals and companies. The opening and maintaining of accounts by residents are subject to Mozambique Exchange Control Regulations – requirements and restrictions are applicable – Which should be discussed with the bank before the opening of a bank account.




Several Exchange Control Regulations apply to residents, non – residents and companies in Mozambique.



A resident individual is defined as any persosn with Mozambican Identity Papers or any person with a foreing passport that has been issued “resident” status by the Mozambique authorities (DIRE).

Residents can open and maintain bank accounts in Meticais, US Dollar and Rand. The buying of foreing currency and cross-border transfers are subject to Exchange Control and restricted to specific categories of transaction within certain limits, whilst prior approval from the Exchange Control authorities is required for other types of transactions.

Residents individuals can buy up to 5000USD (or the equivalent in Rand or other Foreing Currency, if available) with Meticais for a travel allowance and certain other categories of transactions.


This facility is subject to proof of residence, indentity and the availability of foreing currency notes.


Non – Residents

A non-residents is a persosn with a foreing passaport who is in Mozambique on a visa, issued to that person by the Mozambican authorities, valid for a specific period.


Non residents are allowed to open and maintain a bank account in Mozambique. Any funds credited to accounts, designated as a non-resident account, have to originate in foreing currency from a source that is cross-border and not from a local resident source. Cash credited to such an account can be freely converted to Meticais, spent locally and remaining balance in foreing currency can be freely trnasfered back to the source.



Residents Companies

A resident company is a company or entity registered in Mozambique. Resident companies can obtain foreing currency transfers from authorized banks, for payment of the importation of goods, subject to the presentation of all relevant import permits, commercial invoices and customs clearance documentation (Document Unique). Payment for other transactions such as services or inter-company loans, are subject to certain limits or prior approval from the Exchange Control authorities.



The unofficial outles such as tobacconists and bottle stores are illegal and nto issue a recipt even though, you might get a marginally better exchange rate.
[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][eltdf_tabs_item tab_title=”BORDER PROCEDURES”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”BORDER PROCEDURES”][vc_empty_space height=”41px”][vc_column_text]At the gate a customs agent may stop you and ask to check your passport. Make sure you stop to collect a gate pass. The gate pass indicates your registration number and how many people are in the car. In the event it is not filled in by the customs officer, you can fill it in inside when filling in car papers.




(Only applicable to non-SA residents)



VALUED OVER R 5.000.00

(Only applicable to non- SA residents)




Stop at the gate a customs agent will write your registration number, the date and number of people in the car on a gate pass and hand it to you. All foreigners need a valid visa or “Dire” (resident permit).







Goods to declare, valued over USD 500


















NB: In the event that you need to change your money either entering Mozambique or leaving at the BP garage Centre, next to Wimby on the South African side of the border, go to : FX Africa, Bureau de Change Tel: + 13 793 745 711.[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][eltdf_tabs_item tab_title=”INSURANCE”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”INSURANCE”][vc_empty_space height=”41px”][vc_column_text]


The Insurance Industry in Mozambique is governed by the Ministério do Plano de

Finanças. The inspecçao Geral  de Seguros is the department responsible for

insurance within this ministry, which is headed by Dr. Domingos José who presides

as Presidente da Comissão Instaladora. Mozambique is in the process of updating all

aspects of Insurance regulations.


The new specific Insurance Act, came into force in January 2003. This is in line with Dr. Domingos Jose’s primary mandates to assess the present insurance legislation and introduce change in line with the current international standards.


The process of estabilishing comprehensive international insurance norms is currently underway. Locally registered companies need to take care to heed the following obligatory insurance requirements.


INSS Contributions – instituto Nacional de Segurança Social is the state run Social Security System. A 7% monthly contribution, 4% paid by the employer and 3% by the employee is legislated.


Acidentes de Trabalho – Workmen’s Compesation Insurance

Third Party Liability Insurance on all foreing registered vehicles.

All insurance requirements should be bought from a locally registered underwriter.


Local Underwriters: – Since 1991 several private insurance companies have entered the market and the state insurer – Emose was restructured into a Limited Liability Company ( Sociedade de Responsabilidade Limitada) some of the Private Insurance Companies include: Impar / SIM (Seguradora Internacional de Moçambique)


Two companies recently merged controlled by BIM (Banco Internacional de Moçambique) – Portuguese Investment CGSM – Companhia Geral de Seguros de Moçambique Private South African Investment. Owned and administered by the Lewis Family.


Hollard Moçambique – Hollard Moçambique Companhia de Seguros – South African.

Investment wholly owned subsidiary of the Hollard Insurance Group of South Africa. MCS – Moçambique Companhia de Seguros – Portuguese Investment.


Hollard Seguros, a subsidiary of the Hollard Insurance Group of South, is kenn to estabilish a long-term partnership with local investors and assist achieving their short- team and long –term objectivies in Mozambique.



Hollard is the largest independent insurance group in South Africa with assets in excess of R5,9 billion, shareholders funds exceeding R1,3 billion and premium income over the R3,8 billion mark. It has a consistent record of profitability ever since it’s inception in 1980 and operates through the Hollard Insurance Company, Hollard Life Assurance Company, Hollard International (Guernsey), Clientele life Assurance Company and Lombard Insurance Company (specialist financial guarantee business). We have underwriting and broking operations in the United States, United Kingdown, Austrália, Thailand, Pakistan, Namíbia and Mozambique.


Through this companies, with a team, in South Africa, exceeding 1000 motivated people; Hollard is able to offer the full range of insurance products. In addition, having introduced the concept of Captive insurance to South Africa at our inception in 1980, we are able to provide both onshore and offshore facilities to cover the full enterprise risk management needs of clients.


In this regard we have been at the cutting edge of the fusion of baking and insurance products throught our specialist consultancy, Eikos Risk applications.


The groups international philosophy is one of Afro-globalisation – uding a strong South African skills base, infrastructure and balance sheet to partner with locals and investors in setting up focused businesses.


Since opening in 2001, Hollard Mozambique companhia de Seguros SARL has established itself as a prominent player in the Mozambique insurance market.


Hollard Mozambique is able to provide for both corporate and private client insurance needs. Products would include the full range of commercial and industrial and personal insurances ranging from fire, motor, liability, construction/enginnering, marine , accident/ funeral, workes compensation.


Further more, in line with Hollard’s innovative strategy Hollard Mozambique has introduced the First Comprehensive Medical Plan  for Mozambique.


A Medical plan that will satisfy the health care funding needs of families living and working in Mozambique, has been introduced as recently as January 2004.


Hollard Strategey is to develop and introduce new and innovative risk solutions and the new Medical Plan fits squarely into this strategy. We have contracted BESTMED Medical  Scheme in South Africa and SOSNetcare911 in Mozambique to provide Medical Benefits and Emergency Services to our clients. The plan has unique benefits such as:


The participation of BESTMED Medical Scheme, that has been in operation for 40 years and providing healthcare to more than 27,000 families in Sout Africa, is the most important element os ensuring the satisfaction to our Mozambican members.


All enquiries may be directed to the Hollard Mozambique offices in the JAT building opposite FACIM in Av. 25 de Setembro in Maputo or contac Samantha or Francesca on 01-313114 for further information.


A brief description of Hollard Mozambique’s current offering can be reviewed as follows:


  1.  Obligatory Workman’s Compesantion – we have capacity to underwrite this class of business for which it is obligatory for all companies to insure as per local labour legislation. Our insurance contract is based on standard market policy document.



  1. Personal and Commercial Lines Policy – Hollard has designed a multi peril insurance policy derived from the international markets and adapted for local use on which a private or public centerprise can be insured against specified risk wich pose under one contract for the following option risks which treat your assets, employees and business activity:


Fire and Alied Perils Section – designed to protect your capital against perils of fire, lightning or thunderbolt, explosion etc. Building Combined Section – covers in one section both perils covered under the Fire section plus additional perils of theft and property owners liability combined into one section. This cover is suitable for schools, churches, hospitals, sports, clubs and similar sort of facilities.


Office contents – protects your general office contents against perils covered under the Fire Section as well as provide optional cover for Loss of Rent


Business Interruption – If your premises insured under either fire, Buildings or Office are damaged by perils defined in the fire section, the resultant interruption or interference of your business operation can lead to: loss of gross profit, loss of rent, loss of revenue, additional increase in cost of working, wages, fines and penalties.


General Liabilities – to compensate the insured for legal liability to third parties arising as a result of your business activites. This cover can be subdivided as follows:


Public liability – Products liability – Employers liability


Motor – For your vehicles we offer various options to cover your vehicles. The most basic cover is insurance for Motor. Third Party Only which insures your vehicles against damage or injury of third parties. The broadest form of cover is Comprehensive Motor in which you are insured against any damage or injury to third parties as well as theft/hi-jack and damage to your own vehicle a result of accidents.


Other services include: Electronic Equipment All Risk, Personal Accident/Stated Benefits.


Funeral Benefits – This is an insurance which can be arranged for a group of members in which each of the insured members is entitled to a payment of an agreed lump to cover expenses of a funeral of the members and their dependants, Marine Hull and Cargo – We have capacity drawn from Marine specialist underwrites, ASTRA MARITIME, to insure risks of trasnportation of goods  by sea, air  or road/rail and small marine craft, Engineering Projects, All Risk (CAR) and machinery Breakdown (MBD), Assets All Risks, Other: Bonds, Guarantees and Export Credit, Travel Insurance, Agricultural risks, Directors & Officers Liability, Professional Indemnity, etc.


We at Hollard are extremely excited about the prospects of entering into a long term partnership in risk management with local business, current and future investors as well as the discerning private individual and believe that with the full backing of the Hollard Insurance Group we have a unique proposition to offer within the Mozambique market. Please contact us at

E-mail: info@hollard.co.mz

Website: www.hollard.co.za[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][eltdf_tabs_item tab_title=”MEDICAL”][vc_empty_space height=”22px”][eltdf_section_title type=”standard” position=”” separator=”yes” title_tag=”” disable_break_words=”no” separator-color=”#ff1949″ title=”MEDICAL”][vc_empty_space height=”41px”][vc_column_text]


MALÁRIA is a potentially fatal illness of tropical and subtropical regions. The disease is caused by a parasite, which transmits to human beings bitten by infected mosquitoes. The disease is widespread in África and over one million people die of malária every year on the continent.



Malária is encountered throughout Mozambique, in South Africa (mainly in Mpumalanga and Kwa – Zulu Natal), Swaziland, Zimbabwe, most of Botswana and the north of Namíbia. The transmission is higher during the warmer and wetter months from November through to April, May to October, the risks of malaria are reduced.



Personal protection methods and use of anti – malarial medication together, can help protect against getting Malária.



Use insect repellent containing DEET, especially at night, wear clothing that covers your body at night sleep under mosquito nets, Spray your sleeping quarters, sleep in a cool / ar –conditioned room.



If you are visiting a malária area on a temporary basis, it is advisable to take on the following prophylactic drugs: – Doxycyline, Mefloquine (lariam) and Chloroquine and Paludrin combination.


Remember that the parasite most commonly found in Mozambique is chloroquine resistant, but you will still have a good, if not full, protection against severe cerebral malária.

If you are sensitive to these medications, it is advisable to take them in the morning with breakfast. Taking this medication at night could cause restless nights and vivid dreams. Keeping in mind that it is still possible to contact malaria and you should have a blood test done as soon as you recongnise any of the symptoms. People who live in a malária area for longer than 2 to 3 years, and suffer from side effects of the prophylactics, should consider how high the risk factor is and if the personal protection method by itself would be effective enough without prophylactics. In that case it is necessary to have a blood test done as soon as you feel feverish, to ensure that malária treatment is started straight away if necessary. The faster the treatment is started after contracting malária, the quicker the recovery will be.



Symptoms of malaria may include a generalized body ache, tiredness, headache, sore throat, diarrhoea, and fever. It is worth emphasising that these symptoms may not be dramatic and can easily be mistaken for an attack of influenza or similar non-life

threatening illness. Deterioration can then be sudden and dramatic with a rapid increase in the number of parasites in the victm’s blood stream. A high fever may develop, with marked shivering and dramatic perspiration. Complications of a serious nature, such as involvement of the kidneys or brain (cerebral malaria) may then follow. Cerebral malária is extremely serious with the victim becoming delirious and entering a coma. Cerebral malária is frequently fatal if not treated urgently.



Mainly diseases of the under-privileged, denied clean water and proper sewerage, residents of squatter camps, or people living in rural areas.



Cholera occurs with the ingestion of contaminated food and water. Avoid eating salads in the cheaper restaurants when not sure about the hygiene.

Consume good food and clean water in Maputo and while traveling to rural areas. Avoid eating fruit and vegetables straight from the market stalls. Wsh them first. Cholera is not transmitted from person to person.

Rivers, lakes and dams in affected areas, should be regarded as potentially contaminated by bacteria. They pose no risk unless direct contact is made with the water. It is advisable only to swim in chlorinated swimming pool  water or clear searwater. Be careful with uncooked seafood like oysters and sushi. Buy Mineral water of  boil municipal water for drinking.

An oral vaccine aginst cholera is available, but is only recommended for people at high risk.



If you go to the national parks in Swaziland or South Africa, cover yourself and watch out for tics. There have been several cases of headaches, fever and local infections due to tic bites. These tics transfer several bacteria into your body and must be treated with antibiotics to avoid unpleasant symptoms from Richettiosis and Borrelosis.[/vc_column_text][vc_empty_space height=”3px”][/eltdf_tabs_item][/eltdf_tabs][/vc_column][/vc_row]