Travel with protection and clear rules.
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Leave your initial details and our team comes back with options and conditions for you to review calmly.
- First contact at no cost
- Reply during business hours
- Conditions explained before you decide
What happens after you send
Your request goes to the commercial team, who review your profile and prepare the proposal. Nothing is committed at this stage.
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Real protection scenarios for families and SMEs.
Four policies in focus, to compare before going through the full catalogue.
- Mobility
Motor Insurance
Cover for your vehicle, with guidance on deductibles and roadside assistance.
View details - Business
Commercial Multirisk
Asset protection and operational continuity, with human support.
View details - Personal
Travel Insurance
Support for medical emergencies and unexpected events while travelling.
View details - Family
Health Insurance
Access to the care network, subject to the conditions of your proposal.
View details
Trust, Solidity and Excellence in Service to Our Clients.
These commitments guide Horizonte's service to urban families and SMEs in Mozambique.
- Clear terms and conditions
- Continuous support
- WhatsApp as primary channel
Clear Communication
No jargon, with conditions explained clearly.
Understand what you're buying before you decide.
Close Support
Guidance at every step, from quote to after-sales.
Our team supports the quoting, purchase and after-sales process.
Human Touch
WhatsApp with real people answering.
You can ask questions, get updates, and file claims through our official channel.
Insurance accessible to everyone's needs.
Compare insurance types and speak with our team for guidance before deciding.
Want to combine more than one policy? Talk to a specialist and get recommendations tailored to your profile.
Get recommendations on WhatsApp- Funeral InsuranceFinancial and practical support for moments when your family needs focus and peace of mind. This product helps reduce the financial impact of…View details
- Personal AccidentProtection for everyday life, when an accident can disrupt your routine. This insurance helps address the financial consequences of covered accidents,…View details
- Travel InsuranceGreater security for travel with clarity on the support available at your destination. Travel insurance protects against situations covered in the…View details
- Motor InsuranceGreater confidence to drive with protection suited to your usage profile. This product protects your vehicle against contractually covered events…View details
- Workers' CompensationAn essential insurance to protect employees and support your company's risk management. This product helps your company respond to covered workplace…View details
- Home InsuranceGreater peace of mind to protect your home and what you have built with effort. This product covers contractually defined events for your property,…View details
- Health InsuranceGreater predictability for health care with support and integrated network access. This insurance provides access to healthcare according to your…View details
- Commercial MultiriskA comprehensive solution to protect your business structure, operations and continuity. This product combines business covers in a single plan,…View details
- CAR/EAR ConstructionSpecialised protection for construction and engineering projects at different stages. This insurance helps mitigate financial losses from covered…View details
Solutions that fit where you are.
Pick the profile closest to your reality and see policies with the conditions explained before you buy.
Urban families
Plans that keep peace of mind and protect the household budget and routine.
For those who want cover across the board
See options for familiesCompanies and SMEs
Solutions to secure operational continuity and protect your team and assets.
Focused on continuity and compliance
See options for SMEsPersonal life
Motor, travel and personal accident cover for those building up their assets.
Built for mobility and growth
See personal options
Choose your moment and see the path to protection.
Each profile shows the real priorities, what Horizonte does about them, and the concrete next step.
Cover for health, financial stability and everyday surprises.
Priorities for this profile
- Health and consultations
- Personal accidents
- Planning household costs
Next step
Send us the number of dependants, your main priority and the monthly budget available.
What Horizonte does for this profile
- Funeral Insurance with conditions and costs explained
- Health Insurance linked to the Santa Vitória network
- Personal Accident cover for family routine
- Home Insurance matched to the property
- WhatsApp support with a real team
Policies involved
Clear process, from start to support.
Horizonte combines human guidance and digital channels so each step has a clear next move.
- Official WhatsApp
- Document analysis
- Continuous support
- 1
Talk to our team
Send us a message and describe what you need to protect.
- 2
Get guidance
Our team presents options and conditions clearly.
- 3
Submit documents
Purchase proceeds after document review and validation.
- 4
Manage your policy
After activation, you get support for questions, renewals and claims.
Health and insurance in one ecosystem.
An integrated model that organises purchase, service and continuity of cover.
- Health and insurance together
- Horizonte integrates insurance and health care through the Santa Vitória network.
- Institutional channels
- The company also runs institutional channels such as SFSN and Travel Insurance.
- Focused on SMEs and urban families
- Solutions for those who need to control costs and keep cover active.
- Continuous human support
- From quote to after-sales, you talk to a real team on the official channel.
People who bought, sharing the experience.
Accounts from clients who went through a clearer insurance journey.
I understood the insurance options in one clear conversation. It was the first time the process felt clear to me.
Horizonte Newsroom
Updates on insurance, mobility, health and risk management for families and SMEs in Mozambique.
- Market
How to choose covers without paying for protection you don't use
Practical checklist for quickly comparing covers, limits, and exclusions.
Read on the blog - Health
Health insurance for young families: what to watch before contracting
Network, co-payment, waiting periods, and cost predictability in Maputo context.
Read on the blog - SME
Workplace accidents and compliance: quick guide for SMEs
Minimum requirements and common mistakes that increase company legal risk.
Read on the blog
Questions to help you decide with confidence.
Explanations on quoting, payment, claims and service, so you buy with clarity.
Didn't find your question?
Ask on WhatsAppInstitutional depth, without slowing you down.
This is the summary. For full strategy, governance and official documents, use the direct links.
Horizonte Seguros is in a consolidation phase, focused on responsible growth, transparency, operational innovation and close service to families, SMEs and companies in Mozambique.
Institutional pages
- The insurance that Mozambique deservesMost Mozambicans still lack access to insurance that truly works: swift responses, clear language, and fair pricing.…
- Message from the Board of DirectorsLeadership's commitment to a stronger, more digital, and customer-focused Horizonte Seguros.
- Governing BodiesLearn about the leadership structure that makes decisions, oversees processes, and ensures Horizonte Seguros honours…
- Partners who make insurance workBehind every Horizonte Seguros policy is a network of surveyors, workshops, reinsurers, and brokers selected to ensure…
- Shareholder Structure100% Mozambican capital. Every decision is made in Mozambique, by Mozambicans, for the benefit of the market and the…
- Reports and AccountsThe numbers that show where we're headed: concrete targets, measurable indicators, and complete transparency about…
- Official DocumentsAll Horizonte Seguros institutional documents in one place, for customers who want to learn more, partners who need…
Legal and compliance
Chat with Horizonte on WhatsApp
Share your profile and get clear guidance on next steps and product conditions.
- Clear process
- Terms explained
- Human service