Hospitals & dentists in Zambia
Should you need one, there are good hospitals in Zambia. However, the public health system is over-stretched and under-funded – so unless your illness is critical, it will take time for you to be attended to and treated at the public hospitals. Also a large number of patients in the public hospitals have serious infectious diseases, so there's a risk of coming away from these with something worse than you had when you arrived.
In the main cities – Lusaka, Livingstone and the Copperbelt – there are better-funded private hospitals that cater for both affluent Zambians and expats/diplomatic staff. These are much better, and will accept payment from genuine travel health insurance schemes.
Pharmacies in Lusaka have a basic range of medicines, though specific brands are often unavailable. So bring with you all that you will need, as well as a repeat prescription for anything that you might run out of. Outside of Lusaka, Livingstone, and perhaps the larger cities of the Copperbelt, you will be lucky to find anything other than very basic medical supplies. Thus you should carry a very comprehensive medical kit if you are planning to head off independently into the wilds.