Photo: Lebu Ayiga, Wikimedia Commons, CC BY-SA 4.0Independent insurance guides · 13 countries
Insurance in Africa. You have the choice.
Don't take the first policy an agent offers. See what the law requires, which companies are licensed, and what a policy really pays — every rule linked to its source — then compare offers from licensed providers, free.
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- Licensed onlya quote request goes only to providers licensed by that country's regulator
- Protectedyour data is handled under your country's data protection law
- 637licensed insurers checked against the regulators' own lists
Guides by country
Each country has its own law, regulator and list of licensed insurers. Start with yours.
Kenya
Cap. 405 motor cover, SHA contributions, the 2026 list of licensed insurers and how to complain to IRA.
62 guides →
Uganda
Motor third-party limits, the delayed national health scheme, the licensed insurers and the IRA Complaints Bureau.
32 guides →
Tanzania
Compulsory motor cover under Cap. 169, the new universal health insurance, and the Insurance Ombudsman.
36 guides →
South Africa
The Road Accident Fund, medical aid and PMBs, funeral cover, COIDA, the 162 licensed insurers and the free National Financial Ombud.
58 guides →- EthiopiaSupervisor: National Bank of Ethiopia · 17 guides
- BotswanaRegulator: NBFIRA · 19 guides
- GhanaRegulator: NIC · 20 guides
- MalawiRegulator: the Registrar (RBM) · 20 guides
- NamibiaRegulator: NAMFISA · 16 guides
- NigeriaRegulator: NAICOM · 22 guides
- RwandaRegulator: BNR · 21 guides
- ZambiaRegulator: PIA · 19 guides
- ZimbabweRegulator: IPEC · 21 guides
What people ask us
Questions people type into search, each answered on a sourced guide.
- KenyaHow do I register for SHA?Step by step: online, *147# or Huduma — documents, dependants, means testing, payment and what SHA covers.
- TanzaniaHow do I check insurance on TIRAMIS?Verify a cover by plate, e-sticker, cover note or chassis; check a company; file and track a complaint.
- TanzaniaHow much are the NHIF packages in Tanzania?The five packages with real prices and benefits, Toto Afya and Umoja Afya, the basic package, and registration.
- KenyaHow do I check a motor insurance certificate in Kenya?*352#, the Bima Yangu app or verify.dmvic.com: what each result means, the four certificate forms, fakes and penalties.
- KenyaHow much is SHA per month?2.75% of income, minimum KES 300 a month, no ceiling — calculate it, plus due dates and the 2% penalty.
- UgandaHow much does third-party insurance pay in Uganda?The 1989 Act, its UGX 1 million / 10 million limits, the penalty, digital stickers and the COMESA yellow card.
23 more questions
- TanzaniaIs car insurance compulsory in Tanzania?Cap. 169 in plain words: what third-party cover pays for, the penalty, and how to check a sticker on TIRAMIS.
- TanzaniaMy claim was rejected in Tanzania — who can help?The Insurance Ombudsman handles disputes up to TZS 40 million and decides within 60 days.
- EthiopiaWhat does third-party vehicle insurance cover in Ethiopia?Proclamation 799/2013: what third-party cover must include, the sticker, emergency treatment and the penalty.
- South AfricaHow do I claim from the Road Accident Fund?Who can claim, what the RAF pays (and never pays), the deadlines, and how to lodge a claim yourself.
- South AfricaHow does funeral cover work in South Africa?The rules every funeral policy must follow: waiting periods, the cap per life, claims in two business days.
- KenyaWhich insurance companies are licensed in Kenya in 2026?The 2026 IRA list: 22 life, 35 general and 5 micro-insurers, 181 brokers — and how to check any company or agent yourself.
- UgandaDoes Uganda have national health insurance?No national scheme in law yet: how private medical cover and HMOs work, and what to compare.
- BotswanaWhich medical aid funds are registered in Botswana?Five funds registered with NBFIRA: who can join, the options each one lists, waiting periods and contacts.
- BotswanaHow do I claim from the MVA Fund in Botswana?Up to P1,000,000 per injured person, P300,000 for a negligent party, funeral expenses up to P7,500 — claim within five years.
- GhanaHow do I renew my NHIS card by phone in Ghana?Dial *929#, option 2, NHIS Card, your 8-digit membership number, then pay by mobile money. Renew within three months of expiry.
- GhanaWhich insurance companies are licensed by the NIC?The NIC register: 14 life insurers, 25 non-life insurers, 3 reinsurers, 125 brokers.
- MalawiWhat does MASM medical aid cost and cover in Malawi?VIP Premier to Econospecial: MASM's own published contributions and limits, funeral cover through NICO Life, joining rules.
- MalawiWhich insurance companies are licensed in Malawi?The Registrar's list of 30 June 2026: 8 general insurers, 6 life insurers, 1 inclusive insurer, 1 reinsurer.
- NamibiaHow do I claim from the MVA Fund in Namibia?Medical care up to N$1.5 million, a N$100,000 injury grant, loss of income and support, a N$7,000 funeral grant — claim within one year.
- NamibiaWhich insurance companies are registered with NAMFISA?NAMFISA's register: 14 short-term insurers, 15 long-term insurers and 7 medical aid funds.
- NigeriaHow do I verify my motor insurance on NIID?askniid.org → Check Policy, or dial *565*11#. What to do if your policy is not found.
- NigeriaHow do I register for NHIA (NHIS) health insurance?GIFSHIP: ₦22,000 per person a year via Remita, ₦1,500 ID card, NIN for each enrollee. Employers: OPSSHIP.
- RwandaHow much is mutuelle de santé and how do I pay it on Irembo?4,000 to 20,000 Frw per person a year by category; pay on Irembo, *909#, MoMo or a bank, for the July–June year.
- RwandaWhich insurance companies are licensed by the BNR?The BNR list: 12 private insurers, 2 public medical insurers, a micro, a captive, an HMO and a mutual insurer.
- ZambiaHow do I register for NHIMA in Zambia?Every citizen and established resident over 18 must be registered. Employers register staff within 30 days; you can add a spouse and 5 children under 18.
- ZambiaWhich insurance companies are licensed by the PIA?The PIA's 2026 list: 24 general insurers, 9 long-term insurers, 5 reinsurers.
- ZimbabweDo I need insurance to get a ZINARA licence disc?Third-party cover is compulsory (Road Traffic Act, s 22); ZINARA sells the licence, insurance and radio licence at its offices and online.
- ZimbabweWhich insurance companies are registered with IPEC?IPEC's list: 20 short-term insurers, 11 life assurers, 9 funeral assurers, 16 microinsurers.
Compare in your country
Side-by-side pages built on the regulators' published figures — never a rating or a "best insurer".
- Kenya5 comparisons · insurer profiles
- Uganda4 comparisons · insurer profiles
- Tanzania5 comparisons · insurer profiles
- Ethiopia3 comparisons · insurer profiles
- South Africa3 comparisons · insurer profiles
- Botswana1 comparisons · insurer profiles
- Ghana2 comparisons · insurer profiles
- Malawi1 comparisons · insurer profiles
- Namibia1 comparisons · insurer profiles
- Nigeria1 comparisons · insurer profiles
- Rwanda1 comparisons · insurer profiles
- Zambia1 comparisons · insurer profiles
- Zimbabwe2 comparisons · insurer profiles
From the blog
The most-searched topics, country by country.
34 guides
SHA registration: the complete guide (online, *147#, assisted registration, documents, dependants)IRA Uganda: what it does and how to complain about an insurer
How to check third-party insurance in Uganda: digital sticker, USSD and QR code
Insurance companies in Uganda: the 2026 list of licensed insurersTIRAMIS check (TIRA MIS): the complete guide to verifying insurance in Tanzania
Insurance companies in Ethiopia: the list of all 18 licensed insurers
Insurance check in Ethiopia: how to verify third-party vehicle insurance
Health insurance in Ethiopia: CBHI, social health insurance and private cover
Road Accident Fund (RAF): who can claim, what it pays and how to claim without a lawyer
FSCA (Financial Sector Conduct Authority): what it does, how to check a licence, contacts
BOMAID (Botswana Medical Aid Society): health plans, joining, contacts
Pula Medical Aid Fund (Pulamed): benefit options and contacts
BPOMAS: medical aid for Botswana Government employees
NHIS renewal: renew by phone with *929# or the MyNHIS app
NHIS Ghana: how to register, get your card and what it covers
The National Health Insurance Authority (NHIA): what it does and how to reach it
MASM medical aid: schemes, monthly contributions and how to join (2026)
Insurance companies in Malawi: the Registrar's list (June 2026)
Health insurance in Malawi: public care, medical aid and private cover
The MVA Fund: how to claim after a road accident in Namibia
Registered insurance companies in Namibia (2026 list)
Medical aid in Namibia: funds, members and your rights
How to verify motor insurance on NIID (askniid.org and *565*11#)
AXA Mansard Insurance: licence, products, contacts and claims
HMOs in Nigeria: the NHIA list (Reliance, Hygeia, Leadway Health, AXA Mansard Health, Avon…)
Mutuelle de santé (CBHI) in Rwanda: categories, amounts and how to pay on Irembo
RSSB medical insurance (RAMA): cover, contributions and how employers join
Licensed insurance companies in Rwanda (BNR list)
NHIMA registration: who must register and how (2026)
eNHIMA portal: log in, pay and check your NHIMA status
NHIMA benefits: what the scheme pays, your card and complaints
CIMAS medical aid: packages, how to claim and contacts
ZINARA licence and vehicle insurance in Zimbabwe: what you need and how to pay
Nyaradzo funeral policy: the plans, the company and your rightsHow Tulinde works
- Read the rules firstEach guide starts with the short answer, then the law, the limits and the traps — with the source of every fact.
- Ask for quotes in one minuteYour name, a mobile number and what you want to insure. Your request goes only to providers licensed in your country.
- Compare and decideProviders contact you with offers. You compare them against our free checklists. Tulinde is paid by providers, never by you. How we make money.
Free checklists: what to check before you pay
- Car insurance checklist: 10 things to check before you pay
- Motorcycle and boda boda insurance checklist
- Commercial and passenger vehicle insurance checklist
- Health insurance checklist: 10 questions before you sign
- Life insurance checklist
- Home insurance checklist
- Business insurance checklist
- Travel and cross-border driving checklist
Content checked against official sources on 31 October 2026.