Yes, travel insurance is worth carrying for a trip to Hukuntsi, a remote village deep in Botswana's Kalahari Desert, and the honest reason is distance rather than any dramatic danger. This part of the Kgalagadi District sees far more overlanding traffic than conventional tourism, with self-drive travelers often passing through en route along Kalahari routes near the Trans-Kalahari Highway corridor and the town of Kang, and the same remote-access logistics apply whether you are here for overlanding, wildlife-viewing further into the Kalahari, or local business.
Hukuntsi has only basic local health services, and anything beyond routine treatment is typically stabilized there if possible and then evacuated to Gaborone, Botswana's capital and its real medical hub, with further specialist treatment, if needed, generally meaning transfer further afield still. Confirm your policy covers medical evacuation over genuine desert distance, since that transfer - not treatment in Hukuntsi itself - is the part of any serious case most likely to involve real time and cost.
Self-drive overlanding across the Kalahari is the main activity risk around Hukuntsi - long unpaved stretches, limited fuel and phone signal, and heat that turns a routine breakdown into a genuine problem. Confirm your policy covers self-drive travel on unpaved roads specifically, since some policies exclude driving outside sealed highways entirely, and check that vehicle recovery and roadside assistance are included alongside medical cover, since a breakdown far from Gaborone can otherwise become an expensive problem fast.
Keep any local clinic paperwork, police reports for accidents, and receipts for treatment or vehicle recovery, since claims from a village this remote depend heavily on documentation you can produce afterward. Check whether your existing health cover extends abroad and specifically to Botswana before assuming it does, and confirm your policy names both desert self-drive travel and medical evacuation rather than leaving either to interpretation once you are already far from Gaborone.