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Insurance guides for Africa

Plain-English guides to insurance in Kenya, Uganda, Tanzania, Ethiopia, South Africa, Botswana, Ghana, Malawi, Namibia, Nigeria, Rwanda, Zambia and Zimbabwe — every rule linked to its source, every insurer figure from the regulator.

363 guides

Health & life · KenyaSHA registration: the complete guide (online, *147#, assisted registration, documents, dependants)Step by step: online, *147# or Huduma — documents, dependants, means testing, payment and what SHA covers.9 min read · Updated 28 October 2026Motor & vehicles · KenyaDMVIC check: verify a motor insurance certificate (*352#, Bima Yangu, verify.dmvic.com)*352#, the Bima Yangu app or verify.dmvic.com: what each result means, the four certificate forms, fakes and penalties.8 min read · Updated 28 October 2026Insurers & your rights · KenyaLicensed insurance companies in Kenya 2026: the full IRA list (insurers, brokers, agents)The 2026 IRA list: 22 life, 35 general and 5 micro-insurers, 181 brokers — and how to check any company or agent yourself.3 min read · Updated 28 October 2026Motor & vehicles · KenyaInsurance (Motor Vehicle Third Party Risks) Act, Cap 405 Laws of Kenya: what it requires of driversCap 405 section by section: compulsory cover, the KES 3 million limit, s.10 judgments, the penalties and the *352# check.11 min read · Updated 28 October 2026Health & life · KenyaHow much is SHA per month? Contribution calculator (2.75%, minimum KES 300)2.75% of income, minimum KES 300 a month, no ceiling — calculate it, plus due dates and the 2% penalty.3 min read · Updated 28 October 2026Insurers & your rights · KenyaTop 10 insurance companies in Kenya (2025): the IRA ranking by premiumThe top 10 general insurers and the life insurers of Kenya ranked by premium, with claims ratios — from IRA Kenya's 2025 figures.5 min read · Updated 23 September 2026Health & life · KenyaHealth insurance in Kenya: SHA, private medical cover and employee health insuranceSHA replaced NHIF in October 2024: 2.75% of income, KES 300 minimum. Where private cover fits.5 min read · Updated 28 October 2026Home, business & travel · KenyaWIBA insurance in Kenya (WIBA Act 2007): the complete guide for employers and workersCompulsory for every employer: who is covered, compensation (96 months × disablement), DOSH 1, deadlines, appeals.5 min read · Updated 23 September 2026Insurers & your rights · KenyaInsurance brokers in Kenya: the 181 brokers licensed by IRA for 2026All 181 brokers licensed for 2026 in alphabetical order, broker or agent, and the premium rule that protects you.8 min read · Updated 31 October 2026Motor & vehicles · KenyaOne month third-party insurance in Kenya: who sells it, for cars and boda bodas, and what it costsMonthly third-party cover exists in Kenya: Directline sells it for private cars by *319# and for motorcycles. What it covers, what is not published, and the gap to avoid.6 min read · Updated 31 October 2026Home, business & travel · KenyaProfessional indemnity, public liability and goods in transit insurance in Kenya: what each covers and who must have itThree business covers that are not WIBA: professional mistakes, injury or damage to the public, and goods on the road. What they cover and who must hold them.6 min read · Updated 31 October 2026Insurers & your rights · KenyaIRA Kenya: what the Insurance Regulatory Authority does, its portal and how to check a licenceWho IRA is, what it licenses (59 insurers, 181 brokers in 2026), what the IRA portal is for, and which insurers are under statutory management.7 min read · Updated 31 October 2026Health & life · KenyaSHA hospitals: how to find an SHA-contracted facility, including private hospitalsSHA's official list of contracted facilities by county, private and faith-based hospitals included, your primary care facility, what to bring and who to call if a hospital turns you away.5 min read · Updated 31 October 2026Health & life · KenyaWhat is the Social Health Authority (SHA)? How Kenya's public health insurance worksSHA in plain words: the law behind it, its three funds, who must register and pay, how facilities get contracted, and where to complain.5 min read · Updated 31 October 2026Health & life · KenyaSHA portal login: how to sign in to Afya Yangu and what you can do thereWhere the real SHA login is, what you need to sign in (ID, PIN, a one-time code), how to reset a PIN, and which portal is for members, employers or hospitals.5 min read · Updated 31 October 2026Health & life · KenyaMadison insurance medical cover in Kenya: Betterlife plans, limits and waiting periodsMadison Betterlife's three plans, the inpatient and outpatient limits, every waiting period, who can join and how.4 min read · Updated 28 October 2026Motor & vehicles · KenyaExcess protector in Kenya: what it covers, what it costs and when it pays offThe excess you pay on every comprehensive claim, the extra that removes it, the published rates and minimums, and how to work out whether it is worth it for your car.5 min read · Updated 28 October 2026Insurers & your rights · KenyaInsurance premium financing (IPF) in Kenya: how paying your premium in instalments worksWhy Kenyan insurers want the premium upfront, how an IPF loan pays it for you, the terms two lenders publish, and what to check before you sign.5 min read · Updated 28 October 2026Health & life · KenyaFirst Assurance medical cover in Kenya: First Med plans, premiums and conditionsFirst Med's five options, the yearly premiums First Assurance publishes by age, the optional benefits and the conditions to read before you buy.5 min read · Updated 28 October 2026Health & life · KenyaAAR medical cover packages in Kenya: ShwAARi prices, the family plan and seniors coverAAR's ShwAARi premium table by family size, what the individual and family plan includes, the seniors cover and the waiting periods AAR sets.5 min read · Updated 28 October 2026Health & life · KenyaCIC medical cover in Kenya: Family Medisure, Seniors Mediplan, Afya Bora and CoopCareCIC's four retail medical covers side by side: who can join, the limits, the only premiums CIC publishes, waiting periods and how to get a quote.7 min read · Updated 28 October 2026Health & life · KenyaLinda Mama under SHA: free maternity care, what SHA pays and how to registerWhat SHA's maternity cover pays, where delivery is free, how antenatal care and the newborn are covered, and the steps to register mother and baby.5 min read · Updated 28 October 2026Health & life · KenyaWhat does SHA cover? The SHA benefits package and what SHA pays, fund by fundOutpatient, admissions, maternity, dialysis, cancer, imaging, dental, emergencies: what each SHA fund pays, the amounts SHA publishes and the limits per household.8 min read · Updated 28 October 2026Health & life · KenyaHow to check your SHA status in Kenya: active or inactive, and how to fix itCheck your SHA coverage in a minute on SHA's own page, read what an inactive status blocks, and clear the cause: arrears, an employer's unpaid penalty or a missed Pole Pole instalment.7 min read · Updated 28 October 2026Motor & vehicles · KenyaMonarch third-party insurance in Kenya: price, what it covers and how to buyMonarch quotes each vehicle and publishes no third-party rate. What its three motor covers are, what the law makes third-party pay for, and how to buy safely.6 min read · Updated 28 October 2026Health & life · KenyaCR number in SHA: what it is, where to find it and when you need itSHA asks for a "CR number" at the bank and on its coverage checker. What the Client Registry is, which law sets it up, and when your ID number is enough.6 min read · Updated 27 October 2026Health & life · KenyaHow to pay an SHA penalty as an employer in Kenya: the 2% charge, the e-slip and getting staff active againAn employer who remits SHA deductions after the 9th owes a 2% monthly penalty. How it is worked out, where it shows, how to pay it, and the risks of leaving it unpaid.6 min read · Updated 25 October 2026Health & life · KenyaBritam health insurance in Kenya: plans, prices and hospitalsMilele Health's five plans, the Bima ya Mwananchi prices Britam prints, the waiting periods, which hospitals you can use and how to buy.8 min read · Updated 23 October 2026Health & life · KenyaCost of life insurance in Kenya: what sets your premium, and the prices insurers publishNo official price list exists: what the premium depends on, the starting prices two insurers publish, medical tests, tax relief and the traps.6 min read · Updated 22 October 2026Home, business & travel · KenyaTravel insurance in Kenya 2026: what a Schengen or UK visa requires, and the 29 insurers the EU Delegation acceptsThe EUR 30,000 rule of the EU Visa Code, the EU Delegation's 2025 list of Kenyan insurers approved for Schengen travel medical insurance, and the questions to ask before you pay.5 min read · Updated 31 October 2026Health & life · KenyaHow to pay SHA: paybill 200222, *147#, Lipa SHA Pole Pole and what happens if you are lateEvery official way to pay SHA, step by step: the SHA paybill number, *147#, the portal, banks, paying in instalments, and what a late payment costs.5 min read · Updated 21 October 2026Home, business & travel · KenyaWIBA and WIBA Plus in Kenya: what the law requires and what WIBA Plus addsWIBA is the compulsory work-injury policy; WIBA Plus is an insurer product that adds off-duty, 24-hour accident cover. What each covers, from the Act and the insurers' own pages.5 min read · Updated 21 October 2026Motor & vehicles · KenyaTuk-tuk insurance cost in Kenya: what the law requires, published rates and what changes the priceThe cover a tuk-tuk taxi must carry, the rates Co-op Bank's insurance agency publishes, the excesses behind the price, and how to compare quotes.6 min read · Updated 21 October 2026Health & life · KenyaSanlam medical cover in Kenya: what Sanlam Allianz sells, and what it does notSanlam Allianz Kenya publishes no medical insurance plan and wrote no medical premium in 2025. What it does offer, and where to look for a hospital cover instead.5 min read · Updated 20 October 2026Motor & vehicles · KenyaJubilee car insurance in Kenya: who sells it now, what the cover includes and how to buyJubilee's motor business in Kenya became part of Sanlam Allianz in November 2025. The cover, the limits and the excesses its own page lists, and how to get a quote.6 min read · Updated 19 October 2026Insurers & your rights · KenyaMUA Insurance in Kenya in full: the company, its covers, published prices and claimsWho MUA is in Kenya, what it sells to families and businesses, the only prices it publishes and how its medical claims work.7 min read · Updated 16 October 2026Insurers & your rights · KenyaHow to check if your insurance is valid in Kenya: motor, SHA, medical and life coverFour checks that work for every policy — licensed insurer, licensed seller, premium received, cover dates — then the official tool for each type of cover.6 min read · Updated 14 October 2026Insurers & your rights · KenyaBest health insurance companies in Kenya: what the regulator's figures show, and how to chooseNo regulator rates health insurers on service. What IRA does publish for each of them in 2025, how to read a medical claims ratio, and the checks that matter before you buy.6 min read · Updated 13 October 2026Motor & vehicles · KenyaBritam comprehensive car insurance: price, what is covered and paying in instalmentsBritam publishes no rate for comprehensive car cover. What its own pages say about the cover, the free benefits, MotiFlex instalments and the valuation rule.6 min read · Updated 12 October 2026Motor & vehicles · KenyaCheapest car insurance in Kenya: why there is no honest top 10, and how to pay lessNo regulator ranks motor insurers by price. How a premium is built, what CIC and ICEA LION publish, and five ways to pay less without losing cover.6 min read · Updated 11 October 2026Health & life · KenyaEducation insurance in Kenya (school fees policies): what it covers, what it costs and how to claimHow an education policy saves for school fees and keeps paying if the parent dies, what Britam, ICEA LION and Absa Life publish, the 15% tax relief and the claim documents.8 min read · Updated 9 October 2026Health & life · KenyaM-TIBA health insurance in Kenya: packages, prices and how to enrollWhy M-TIBA has no price list of its own, who sets the premium, and how to set up and use *253# or the My M-TIBA app.6 min read · Updated 7 October 2026Health & life · KenyaPersonal accident cover in Kenya: what it pays, what it costs and how to claimWhat a personal accident policy pays for death, disability and medical bills, the premiums two insurers publish, the exclusions and the claim steps.8 min read · Updated 3 October 2026Insurers & your rights · KenyaInsurance relief in Kenya: how life, education and health policies cut your income taxWhat section 31 of the Income Tax Act gives back on your premiums, how to work it out, how your employer applies it, and why SHA contributions are treated differently.6 min read · Updated 1 October 2026Health & life · KenyaLast expense cover in Kenya (funeral insurance): what it costs, who it covers and how to claimWhat a last expense policy pays, the premiums one insurer publishes, the waiting periods and exclusions, and the documents for a claim.8 min read · Updated 29 September 2026Health & life · KenyaAPA Insurance medical cover in Kenya: Jamii Plus and Afya Nafuu plans, prices and hospitalsJamii Plus and Afya Nafuu side by side: inpatient limits, the only premium table APA publishes, waiting periods and the hospital panel.9 min read · Updated 21 October 2026Health & life · KenyaJubilee insurance medical cover packages and prices in Kenya: plans, waiting periods and hospitalsCoverBora, J-Care's six plans, the Johari package and J-Biz for small businesses: the yearly premiums Jubilee publishes and the waiting periods.12 min read · Updated 28 October 2026Motor & vehicles · KenyaComprehensive vs third-party car insurance in Kenya: what each covers and what sets the priceWhat the Cap. 405 minimum pays for, what only a broader policy covers, and how to compare quotes.3 min read · Updated 28 October 2026Motor & vehicles · KenyaBoda boda insurance in Kenya: the cover a motorcycle taxi needs, and how to check itMotorcycle taxis need third-party PSV insurance; passengers must be covered. Helmets, jackets and tuk-tuks.3 min read · Updated 28 October 2026Motor & vehicles · KenyaMatatu, PSV and ride-hailing insurance in KenyaNTSA licensing needs PSV third-party insurance; ride-hailing cars need valid cover and must be ≤16 years old.2 min read · Updated 23 September 2026Health & life · KenyaSHA vs private medical insurance in Kenya: what each coversCompulsory SHA vs optional private cover: price, waiting periods, hospitals — and when to combine them.2 min read · Updated 23 September 2026Health & life · KenyaLife insurance in Kenya: types of policy and who sells themTerm, whole life, education policies — and the 22 life insurers licensed for 2026.2 min read · Updated 23 September 2026Home, business & travel · KenyaHome insurance in Kenya: what a domestic package covers and who sells itOptional in Kenya: what a domestic package covers, what to compare, and the 90-day claim rule.3 min read · Updated 28 October 2026Home, business & travel · KenyaCOMESA yellow card insurance in Kenya: cover, where to buy it and how to check itThe yellow card for cross-border driving: cover, where to buy, and the *384*254# check.2 min read · Updated 23 September 2026Insurers & your rights · KenyaInsurance complaints by company in KenyaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · KenyaCompare two insurers in KenyaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Insurers & your rights · KenyaHow to complain about an insurer in KenyaInsurer first, then IRA: online form, complaints@ira.go.ke or the toll-free line 0800 724 499.2 min read · Updated 28 October 2026Insurers & your rights · KenyaWho's who in insurance in Kenya: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.6 min read · Updated 31 October 2026Motor & vehicles · KenyaCar insurance in Kenya: premium calculator with levies and stamp dutyValue × rate, minimum premium and extras, then the statutory levies and stamp duty every policy carries — with CIC's published rates as a worked example.5 min read · Updated 28 October 2026Health & life · KenyaInsurance relief calculator for Kenya: 15% of premiums, up to KES 60,000Type your premium, see the relief a month and a year, and whether your policy, and the person it covers, qualifies under section 31 of the Income Tax Act.3 min read · Updated 28 October 2026Home, business & travel · KenyaWIBA compensation calculator: permanent injury, time off work and deathType the monthly earnings, pick the injury from the First Schedule, and see the compensation the Work Injury Benefits Act sets — with the formula and the section.4 min read · Updated 28 October 2026Health & life · KenyaSHA penalty calculator for employers: 2% a month on late contributionsEnter the monthly SHA contributions and the months not remitted: the penalty month by month, the arrears and the total to clear before staff are active again.3 min read · Updated 28 October 2026Insurers & your rights · UgandaIRA Uganda: what it does and how to complain about an insurerWhat IRA Uganda does, how to file on iracomplaints.go.ug, the Bureau's timelines, claim deadlines and appeals.7 min read · Updated 23 September 2026Motor & vehicles · UgandaHow to check third-party insurance in Uganda: digital sticker, USSD and QR codeDigital stickers since 1 October 2025: buy and check by MTN or Airtel USSD, verify by QR code.4 min read · Updated 28 October 2026Insurers & your rights · UgandaInsurance companies in Uganda: the 2026 list of licensed insurersIRA's August 2026 list: 9 life, 19 non-life, 4 micro-insurers, 1 takaful operator and 1 HMO.2 min read · Updated 28 October 2026Insurers & your rights · UgandaTop insurance companies in Uganda (2025): the IRA ranking by premiumThe top 10 general and the life insurers of Uganda ranked by premium, with loss ratios — from IRA Uganda's 2025 figures.2 min read · Updated 21 October 2026Health & life · UgandaHealth insurance in Uganda: how medical cover works while the national scheme waitsNo national scheme in law yet: how private medical cover and HMOs work, and what to compare.3 min read · Updated 28 October 2026Insurers & your rights · UgandaCompare two insurers in UgandaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Motor & vehicles · UgandaMotor insurance in Uganda: third-party cover and its limitsThe 1989 Act, its UGX 1 million / 10 million limits, the penalty, digital stickers and the COMESA yellow card.3 min read · Updated 28 October 2026Insurers & your rights · UgandaTypes of insurance in Uganda: the classes IRA regulates, with 2025 premiumsMotor, fire, health, engineering, life, credit life and more: the classes IRA reports, how big each is, and which are compulsory.5 min read · Updated 28 October 2026Insurers & your rights · UgandaInsurance brokers in Uganda: IRA's 2026 list of authorised brokers52 insurance brokers and 6 reinsurance brokers authorised for 2026, in alphabetical order, and the rules they must follow.5 min read · Updated 28 October 2026Insurers & your rights · UgandaThe Insurance Act of Uganda: what the 2017 Act means for policyholdersAssented on 23 May 2017: the sections that protect you, from licensing and cash rules to complaints and the compensation fund.5 min read · Updated 28 October 2026Health & life · UgandaEducation policy in Uganda: how school fees insurance plans workSchool fees plans compared from the insurers' own pages: savings period, ages, minimum premium, what happens if the parent dies.5 min read · Updated 28 October 2026Health & life · UgandaHealth insurance companies in Uganda: who sells medical cover, from IRA's 2025 figuresTwelve licensed companies wrote UGX 460 billion of medical premium in 2025: who they are, by licence type, from the regulator's own workbook.5 min read · Updated 28 October 2026Motor & vehicles · UgandaComprehensive car insurance in Uganda: what it costs under IRA's minimum rates4% of the value for a private car, 10% for a motorbike: IRA's floor rates, the excess and the discounts, worked through.5 min read · Updated 28 October 2026Motor & vehicles · UgandaHow much is third-party insurance in Uganda? The premium for every vehicleThe premium the regulations set for cars, boda bodas, taxis, buses and lorries, with worked examples and what comes on top.6 min read · Updated 28 October 2026Motor & vehicles · UgandaHow to pay third-party car insurance on Airtel in Uganda: Airtel Money, USSD and stepsThe Airtel Money code, each menu option, the SMS reference number and how it becomes your digital sticker.6 min read · Updated 26 October 2026Health & life · UgandaJubilee Insurance in Uganda: health covers, life plans and the prices it publishesWhat Jubilee sells in Uganda, the only medical premiums it prints (J-Armor), its life and savings plans, and how its medical claims work.8 min read · Updated 24 October 2026Home, business & travel · UgandaTravel insurance in Uganda: what it covers for holidays and international tripsMedical, baggage, money and accident cover for trips abroad — and the insurance a Schengen visa asks Ugandans for.5 min read · Updated 17 October 2026Health & life · UgandaInternational private medical insurance in Uganda: what the law allows and what to checkGlobal plans, local plans with overseas referral, and what the Insurance Act 2017 says about buying from a foreign insurer.6 min read · Updated 15 October 2026Home, business & travel · UgandaBusiness insurance quotes in Uganda: the minimum rates by business typeA quote is a sum insured times a rate IRA sets a floor for: the minimum rates for shops, offices, workshops and staff.7 min read · Updated 26 September 2026Motor & vehicles · UgandaThird-party vs comprehensive car insurance in UgandaIRA's three motor covers side by side: third party, accident fire & theft, comprehensive.2 min read · Updated 28 October 2026Motor & vehicles · UgandaBoda boda insurance in Uganda: third-party cover, premiums and risksPassengers are covered, premiums are set by regulation by engine size, and riders are half of road deaths.2 min read · Updated 28 October 2026Motor & vehicles · UgandaTaxi, bus and commercial vehicle insurance in UgandaRegulated premiums per passenger seat, the offence of using a vehicle without the right cover, and the coming reform.2 min read · Updated 28 October 2026Health & life · UgandaLife insurance in Uganda: policies, insurers and cooling-offThe 9 licensed life insurers, cooling-off periods and what happens when a policy lapses.2 min read · Updated 28 October 2026Home, business & travel · UgandaHome and property insurance in UgandaOptional: what property insurance covers per IRA, and the deadlines insurers must meet to pay.2 min read · Updated 23 September 2026Home, business & travel · UgandaBusiness insurance in Uganda: workers' compensation and propertyEmployers must insure under the Workers Compensation Act; property cover and IRA's claim deadlines.2 min read · Updated 23 September 2026Home, business & travel · UgandaDriving abroad from Uganda: the COMESA yellow cardThe yellow card for cross-border driving, the Uganda Re bureau and the free *284*8070# check.2 min read · Updated 28 October 2026Insurers & your rights · UgandaInsurance complaints by company in UgandaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · UgandaWho's who in insurance in Uganda: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.5 min read · Updated 31 October 2026Motor & vehicles · UgandaHow much is third-party insurance in Uganda? CalculatorThe regulated premium for your vehicle, plus VAT, the training levy and the stamp duty, in one total.4 min read · Updated 28 October 2026Motor & vehicles · UgandaComprehensive car insurance in Uganda: minimum premium calculatorThe lowest premium IRA lets an insurer charge for your vehicle, with excesses and discounts.3 min read · Updated 28 October 2026Insurers & your rights · UgandaHow long does an insurer have to pay a claim in Uganda? Deadline calculatorEnter the date and the amount: the date by which the insurer must acknowledge, decide and pay.2 min read · Updated 28 October 2026Home, business & travel · UgandaWorkers' compensation in Uganda: how much is paid? Calculator60 months' earnings, the schedule percentages, the +25% for constant care: the amount the Act sets.3 min read · Updated 28 October 2026Motor & vehicles · TanzaniaTIRAMIS check (TIRA MIS): the complete guide to verifying insurance in TanzaniaVerify a cover by plate, e-sticker, cover note or chassis; check a company; file and track a complaint.7 min read · Updated 28 October 2026Home, business & travel · TanzaniaWCF Tanzania: Workers Compensation Fund contributions, claims and benefitsWCF at 0.5% of payroll: registration, deadlines, how to report an accident, the benefits and how to appeal.6 min read · Updated 28 October 2026Kwa Kiswahili · TanzaniaBima ya afya Tanzania: vifurushi vya NHIF, bei 2026 na Bima ya Afya kwa WoteVifurushi vitano vya NHIF na bei zake, Toto Afya, Umoja Afya, Bima ya Afya kwa Wote na jinsi ya kujiunga.5 min read · Updated 28 October 2026Kwa Kiswahili · TanzaniaBima ya gari Tanzania: sheria, TIRAMIS na madaiBima ya mtu wa tatu ni lazima: inalipa nini, adhabu, kuhakiki TIRAMIS na madai.2 min read · Updated 23 September 2026Health & life · TanzaniaNHIF Tanzania packages 2026: prices and benefits comparedThe five packages with real prices and benefits, Toto Afya and Umoja Afya, the basic package, and registration.6 min read · Updated 23 September 2026Home, business & travel · TanzaniaZanzibar travel insurance: the mandatory US$44 inbound policyMandatory since October 2024: US$44 for 92 days, what it covers, who is exempt and how to claim.3 min read · Updated 28 October 2026Insurers & your rights · TanzaniaLargest insurance companies in Tanzania (2024), comparedEvery insurer ranked by premium — from the regulator's 2024 figures.4 min read · Updated 23 September 2026Insurers & your rights · TanzaniaList of licensed insurance companies in Tanzania (2026)Every insurer and takaful operator active on TIRA's register, the state-owned insurers, and how to check a company yourself.3 min read · Updated 28 October 2026Motor & vehicles · TanzaniaInsurance cover note in Tanzania: what it is, how you get it and how to check itTIRA's definition, what the cover note must show, why motor premium is paid on day one, and how to check it on TIRAMIS.4 min read · Updated 31 October 2026Health & life · TanzaniaUniversal Health Insurance Act 2023, Tanzania: what is in force, the benefit packages and what it means for youWhat is in force and what is not, the three benefit packages, cover for poor households, employers' duties and penalties.7 min read · Updated 31 October 2026Health & life · TanzaniaNHIF portal Tanzania: Self Service login, registration, eCard and the other NHIF websitesselfservice.nhif.or.tz for members, verification.nhif.or.tz for hospitals: what each NHIF website does and how to log in.6 min read · Updated 31 October 2026Kwa Kiswahili · TanzaniaSheria ya Bima ya Afya kwa Wote 2023: inasema nini na inakuhusu vipiVifungu vilivyoanza na visivyoanza, vitita vitatu vya mafao, kaya zisizo na uwezo, wajibu wa mwajiri na adhabu.7 min read · Updated 31 October 2026Kwa Kiswahili · TanzaniaUsajili wa NHIF: jinsi ya kujiunga mtandaoni, nyaraka na kuongeza wategemeziHatua za kujisajili NHIF mtandaoni, nani anamsajili nani, nyaraka zinazohitajika na jinsi ya kuongeza wategemezi.7 min read · Updated 31 October 2026Kwa Kiswahili · TanzaniaMadhara ya kuendesha gari bila bima Tanzania: adhabu, leseni na fidiaFaini, kifungo, leseni kufungiwa mwaka mzima na fidia ya ajali juu yako: kile Sheria Cap. 169 inasema.5 min read · Updated 29 October 2026Kwa Kiswahili · TanzaniaBima ya pikipiki Tanzania: bodaboda, bajaji, sheria na TIRAMISBima ya mtu wa tatu ni lazima kwa pikipiki; bodaboda na bajaji lazima ziwalinde abiria. Sheria, TIRAMIS na madai.5 min read · Updated 28 October 2026Insurers & your rights · TanzaniaTIRA Tanzania: what the insurance regulator does and how it protects youWho TIRA is, what it licenses (33 insurers and takaful operators, 160 brokers, 1,482 agents), and which of its services you can use.5 min read · Updated 28 October 2026Health & life · TanzaniaZHSF: the Zanzibar Health Services Fund explainedZanzibar's own health fund: 7% of salary shared by employer and employee, who is covered, what it pays for.6 min read · Updated 28 October 2026Health & life · TanzaniaNHIF registration in Tanzania: individuals, families, employees, children and studentsWho registers how — individuals, dependants, employees, children, students and informal groups — and the documents each needs.6 min read · Updated 28 October 2026Health & life · TanzaniaNHIF verification in Tanzania: how your membership and card are checkedHow a hospital verifies your NHIF membership, why a card can be inactive, and how to check yours before you need it.6 min read · Updated 28 October 2026Health & life · TanzaniaJubilee insurance medical packages in Tanzania: plans and 2026 pricesJubilee Afya premiums by age, Afya Bima on Airtel and the J-Care plans, as Jubilee itself publishes them.6 min read · Updated 18 October 2026Home, business & travel · TanzaniaMarine insurance in Tanzania: cargo, vessels and liabilityImports' cargo cover must be bought from a Tanzanian insurer, and marine vessels and ferries must be insured.5 min read · Updated 24 September 2026Motor & vehicles · TanzaniaCar and motor insurance in Tanzania: what the law requiresCap. 169 in plain words: what third-party cover pays for, the penalty, and how to check a sticker on TIRAMIS.4 min read · Updated 28 October 2026Motor & vehicles · TanzaniaThird-party vs comprehensive car insurance in TanzaniaWhat the legal minimum pays for, what you only get with a broader policy, and how to compare quotes.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaBodaboda and bajaji insurance in TanzaniaCarrying paying passengers? Cap. 169 makes passenger cover compulsory. LATRA licensing and helmets explained.2 min read · Updated 23 September 2026Motor & vehicles · TanzaniaDaladala, taxi and ride-hailing insurance in TanzaniaPassenger cover under Cap. 169, LATRA licensing, and the 45-day claim payment rule.2 min read · Updated 23 September 2026Health & life · TanzaniaNHIF Tanzania and health insurance: rates, universal cover, ZHSF and private plansUniversal health insurance started in January 2026. What NHIF's basic package costs and where private cover fits.4 min read · Updated 28 October 2026Health & life · TanzaniaLife insurance in Tanzania: how it works and your right to cancelTerm, whole-life and savings policies — and the right to cancel under section 119 of the Insurance Act.2 min read · Updated 23 September 2026Home, business & travel · TanzaniaHome and property insurance in TanzaniaPrivate homes are optional; commercial buildings and markets must be insured (s.134).2 min read · Updated 23 September 2026Home, business & travel · TanzaniaTravel insurance in Tanzania: the mandatory US$44 visitor cover and the COMESA yellow cardVisitors: the mandatory US$44 inbound policy on the mainland and in Zanzibar. Drivers: the COMESA yellow card.5 min read · Updated 28 October 2026Insurers & your rights · TanzaniaInsurance complaints by company in TanzaniaComplaints filed against each insurer, compared with its size.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaCompare two insurers in TanzaniaPick two insurers and see them side by side: size, claims ratio, complaints.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaHow to complain about an insurer in TanzaniaThe Insurance Ombudsman handles disputes up to TZS 40 million and decides within 60 days.2 min read · Updated 23 September 2026Insurers & your rights · TanzaniaWho's who in insurance in Tanzania: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.6 min read · Updated 31 October 2026Health & life · TanzaniaNHIF package price calculator: Tarangire to Tanzanite, Toto Afya, Umoja AfyaPick who is covered and their age: the yearly price on all five NHIF packages, from NHIF's own table.4 min read · Updated 28 October 2026Home, business & travel · TanzaniaWCF contribution calculator: what an employer pays the Workers Compensation FundEnter your payroll: the 0.5% WCF contribution, per employee and per year, and the date it is due.2 min read · Updated 28 October 2026Motor & vehicles · TanzaniaInsurance claim deadline calculator: when must a Tanzanian insurer pay?From the accident to the payment: TIRA's deadline for each step, and when a late payment becomes a bad faith claim.4 min read · Updated 28 October 2026Insurers & your rights · EthiopiaInsurance companies in Ethiopia: the list of all 18 licensed insurersThe 18 insurers licensed by the NBE, oldest to newest — from Ethiopian Insurance Corporation (1975) to Zemen (2020).4 min read · Updated 28 October 2026Motor & vehicles · EthiopiaInsurance check in Ethiopia: how to verify third-party vehicle insuranceThe windscreen sticker, the insurer's 24-hour confirmation, police powers and the Insurance Fund.5 min read · Updated 28 October 2026Health & life · EthiopiaHealth insurance in Ethiopia: CBHI, social health insurance and private coverCBHI reached 63 million people in 2024/25; SHI started for public health workers in January 2026. How each works.5 min read · Updated 28 October 2026Insurers & your rights · EthiopiaHow to complain about an insurer in Ethiopia: the NBE complaint office (complaintoffice@nbe.gov.et)The insurer has 10 business days to answer, then the NBE complaint office takes over: email, 6230 or its online form.4 min read · Updated 28 October 2026Motor & vehicles · EthiopiaThird-party insurance in Ethiopia: Proclamation 799/2013, cost and coverProclamation 799/2013: what third-party cover must include, the sticker, emergency treatment and the penalty.6 min read · Updated 28 October 2026Health & life · EthiopiaLife insurance in Ethiopia: a small market, what to knowLife cover is only 7.5% of premiums in Ethiopia. The types of policy, who sells them and the questions to ask.3 min read · Updated 28 October 2026Insurers & your rights · EthiopiaTypes of insurance in Ethiopia: what is compulsory, what is optional, and who sells itCompulsory and optional covers in Ethiopia, the law behind each one, and who sells them.6 min read · Updated 28 October 2026Health & life · EthiopiaSocial health insurance in Ethiopia (SHI): who must join, who pays and where it stands in 2026Proclamation 690/2010 in plain words, the January 2026 start for public health workers, and what it means for other employees.7 min read · Updated 28 October 2026Motor & vehicles · EthiopiaThird-party vs comprehensive vehicle insurance in EthiopiaEthiopia's compulsory cover already includes property damage. What comprehensive adds: your own vehicle.3 min read · Updated 28 October 2026Home, business & travel · EthiopiaEmployment injury and business insurance in EthiopiaEmployers are liable regardless of fault: five times annual wages for total disablement or death.3 min read · Updated 28 October 2026Home, business & travel · EthiopiaTravel insurance in Ethiopia: trips abroad, visas and the COMESA yellow cardTravel cover for visas and trips abroad, and the yellow card for cross-border driving.3 min read · Updated 28 October 2026Insurers & your rights · EthiopiaLargest insurance companies in Ethiopia (30 June 2025), comparedAll 18 insurers compared on the regulator's figures: capital and branches.4 min read · Updated 24 September 2026Insurers & your rights · EthiopiaCompare two insurers in EthiopiaPick two insurers and see them side by side: capital and branches.2 min read · Updated 24 September 2026Insurers & your rights · EthiopiaEthiopia pension calculator: private-sector contributions (7% + 11%) and your pensionYour 7%, the employer's 11%, and the pension at 60: 30% of your average salary plus 1.25% a year after 10 years.3 min read · Updated 28 October 2026Insurers & your rights · EthiopiaInsurance complaint deadlines in Ethiopia: when your insurer must answer, and when the NBE takes overThe insurer has 10 business days, then the NBE: the dates for your own complaint, from Directive FCP/01/2020.2 min read · Updated 28 October 2026Home, business & travel · EthiopiaEmployment injury benefit calculator: what Ethiopia's private pension scheme pays after a work injury47% of your salary for life, or a lump sum of 47% × 60 months × the degree of injury: Proclamation 1268/2022.2 min read · Updated 28 October 2026Motor & vehicles · EthiopiaThird-party insurance after an accident in Ethiopia: the surcharge and short-term premium calculatorFrom 10% to 150% more for three years after an accident, by type and rank; short policies from 30% of the premium.4 min read · Updated 28 October 2026Motor & vehicles · South AfricaRoad Accident Fund (RAF): who can claim, what it pays and how to claim without a lawyerWho can claim, what the RAF pays (and never pays), the deadlines, and how to lodge a claim yourself.12 min read · Updated 28 October 2026Insurers & your rights · South AfricaFSCA (Financial Sector Conduct Authority): what it does, how to check a licence, contactsWhat the FSCA does, how to check a broker or crypto platform, report a scam, find unclaimed benefits — and how it differs from the Prudential Authority.8 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA and the Compensation Fund: Return of Earnings, claims, contacts and business insuranceWhat COIDA covers, the Compensation Fund's contacts, the R668,000 cap, the Return of Earnings, injury claims and the other covers a business buys.8 min read · Updated 28 October 2026Health & life · South AfricaMedical aid in South Africa: the 16 open schemes, what it costs and how to compareThe Medical Schemes Act, the CMS, open and restricted schemes, waiting periods and late-joiner penalties.11 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover in South Africa 2026: how to compare policies, waiting periods and claimsThe rules every funeral policy must follow: waiting periods, the cap per life, claims in two business days.9 min read · Updated 28 October 2026Health & life · South AfricaPrescribed Minimum Benefits (PMBs): what every medical aid must payEmergencies, 271 DTPs, 26 chronic conditions, DSPs and how to get a PMB claim paid.6 min read · Updated 28 October 2026Health & life · South AfricaHospital plan vs comprehensive medical aid vs hospital cash planMedical scheme hospital plan, comprehensive option or hospital cash plan: what each pays.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaCar insurance in South Africa: what the law requires, what the RAF covers and what you buy yourselfNo law forces you to insure your car — but the RAF never pays for vehicle damage. What to buy and check.7 min read · Updated 28 October 2026Health & life · South AfricaGap cover in South Africa: what it pays, its 2026 limit and when it is worth itThe shortfall policy, its R226,881.03 annual limit for 2026, waiting periods and what it can't replace.5 min read · Updated 28 October 2026Insurers & your rights · South AfricaLicensed insurance companies in South Africa (2026 list)The Prudential Authority's register: 59 life, 58 non-life and 19 microinsurers, plus cell captives, captives and reinsurers.2 min read · Updated 28 October 2026Health & life · South AfricaUnclaimed benefits in South Africa: how to find a lost pension, life policy or inheritance, freeWhere unclaimed money sits — retirement funds, insurers, the Guardian's Fund — and the free official way to search and claim each one.5 min read · Updated 31 October 2026Health & life · South AfricaIncome protection, disability and dread disease cover in South Africa: how they work, how they are taxed and how claims are decidedMonthly income or a lump sum if you cannot work or fall seriously ill: the law's definitions, tax since March 2015, ASISA's severity levels and your rights at claim time.5 min read · Updated 31 October 2026Home, business & travel · South AfricaBank card travel insurance in South Africa: what FNB, Absa, Nedbank, Capitec, Standard Bank and Discovery cover, and how to activate itSix banks' automatic travel cover side by side, from their own policy wordings: who insures it, how long a trip, which ages, the medical limit and the activation step.6 min read · Updated 31 October 2026Motor & vehicles · South AfricaCar insurance in South Africa: the buying checklist (excess, tracker, value, write-offs and claims)What the Policyholder Protection Rules oblige an insurer to tell you, the conditions that sink most motor claims, and the steps after a rejection.7 min read · Updated 31 October 2026Health & life · South AfricaCheapest medical aid in South Africa 2026? Compare 13 schemes' lowest and highest published contributions13 schemes side by side: the lowest-priced option of each, its 2026 main-member contribution, whether it is priced by income, and the source table.7 min read · Updated 31 October 2026Health & life · South AfricaSizwe Hosmed medical aid in 2026: the curatorship, the eight options and what each costs a monthAn open scheme under court-ordered curatorship: what the curator says it changes, the eight 2026 options and their contributions, and the complaint steps.4 min read · Updated 31 October 2026Health & life · South AfricaProfmed medical aid in 2026: who qualifies, the ten options and what each costs a monthThe scheme for professionals: ProPinnacle to ProSelect, Premium or Savvy network versions, with the 2026 contributions from Profmed's own schedule.4 min read · Updated 31 October 2026Health & life · South AfricaBankmed medical aid in 2026: who can join, the six plans and their monthly contributions by incomeThe scheme of the banking and financial services industry: Essential, Basic, Core Saver, Traditional, Comprehensive and Plus, from Bankmed's own 2026 schedule.5 min read · Updated 31 October 2026Health & life · South AfricaKeyHealth medical aid in 2026: the six options, what each costs a month and the hospital networkEssence, Origin, Equilibrium, Silver, Gold and Platinum: KeyHealth's 2026 premiums, which have savings, the hospital network and the 2027 table.4 min read · Updated 31 October 2026Health & life · South AfricaMedshield medical aid in 2026: the ten options, their monthly contributions and hospital networksMediCurve, MediPhila, MediValue, MediPlus, MediCore, MediSaver, MediBonus and PremiumPlus: Medshield's 2026 contributions and which hospital network each uses.3 min read · Updated 31 October 2026Health & life · South AfricaFedhealth medical aid in 2026: flexiFED, myFED, sureFED and maxima — every option's monthly contributionflexiFEDSavvy to maxima PLUS: Fedhealth's 2026 rates, what GRID and Elect change, myFED income bands, claims and complaints.4 min read · Updated 31 October 2026Health & life · South AfricaMedihelp medical aid in 2026: the twelve plans, their monthly contributions and hospital networksMedMove! to MedPlus: Medihelp's 2026 contributions from its member guide, which plans use Tier 1, 2 or 3 networks, the savings share and the 7.5% for 2027.4 min read · Updated 31 October 2026Health & life · South AfricaBestmed medical aid in 2026: Beat, Pace and Rhythm — the options and what each costs a monthBeat1 to Pace4 and the income-banded Rhythm options: Bestmed's 2026 contributions, which have savings, the network versions and how to claim.4 min read · Updated 31 October 2026Health & life · South AfricaMomentum medical aid plans in 2026: Ingwe, Evolve, Custom, Incentive, Extender and Summit — what each costs a monthIngwe, Evolve, Custom, Incentive, Extender and Summit: Momentum's 2026 contributions as the scheme prints them, by family size, hospital and chronic provider choice.5 min read · Updated 31 October 2026Health & life · South AfricaPOLMED medical aid in 2026: Marine and Aquarium, what SAPS members pay by income band, claims and complaintsThe South African Police Service Medical Scheme: Marine and Aquarium, the member's share and the full contribution by income band, from POLMED's own guide.4 min read · Updated 31 October 2026Health & life · South AfricaGEMS medical aid in 2026: who can join, the six options and their monthly contributions by salary bandThe scheme for public servants: Tanzanite One, Beryl, Ruby, Emerald Value, Emerald and Onyx, priced by salary band, from GEMS's own 2026 brochure.5 min read · Updated 31 October 2026Health & life · South AfricaBonitas medical aid plans in 2026: the 16 options, what each costs a month and which hospitals you can useBonCore to BonComprehensive: the 2026 contributions from Bonitas's own Annexure A, which options have savings, the network co-payments and the 2027 increase.6 min read · Updated 31 October 2026Motor & vehicles · South AfricaHippo car insurance quotes in South Africa: how the comparison works, the cover types and who handles your claimHippo is a comparison service, not an insurer: what its car quote asks for, who calls you back, who owns it, and what to check before you sign.5 min read · Updated 30 October 2026Health & life · South AfricaDiscovery medical aid plans in 2026: the eight series, what each costs and which hospitals you can useExecutive to KeyCare: the 2026 contributions from Discovery's own table, which plans have a savings account, the hospital networks and waiting periods.9 min read · Updated 30 October 2026Health & life · South AfricaMedical aid for pensioners in South Africa: age, penalties, staying on after retirement and taxNo age pricing, the late-joiner penalty bands, the right to stay on your scheme after retirement, and the bigger tax credit from 65.5 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover with no waiting period: when the law forbids one, and when it doesn'tAccidents, switching insurers, renewal and reinstatement: the five cases in which a funeral policy may impose no waiting period at all.4 min read · Updated 28 October 2026Health & life · South AfricaFuneral cover for parents in South Africa: the rules, the waiting period and who gets paidCovering a mother or father: extended family policy or their own, the waiting period, switching, who receives the money, and paying from a grant.5 min read · Updated 28 October 2026Health & life · South AfricaCouncil for Medical Schemes (CMS): what it does, how to complain and how to contact itThe regulator of medical aid: what it supervises, the complaint steps and deadlines, its 2025/26 figures and its contact details.4 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA registration: how to register with the Compensation Fund, step by stepWho must register, within 7 days, which documents, online or by e-mail, and what happens after your 99… account number arrives.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF 1 form: which version to use in 2026, how to complete it and where to lodge itThe SCA ruling of 30 April 2026 brought back the 2008 RAF 1 form. What it asks, who completes the medical report, and how to lodge it so it counts.6 min read · Updated 28 October 2026Home, business & travel · South AfricaPet insurance in South Africa: how it works, waiting periods and what to checkWhat a pet policy pays, waiting periods and entry ages as insurers publish them, the exclusions that matter, and your rights.6 min read · Updated 28 October 2026Health & life · South AfricaMedical aid tax credit 2026/27: the amounts, who gets them and the additional creditThe monthly credit per member and dependant for 2026/27, the additional credit for out-of-pocket costs, and how SARS applies them.5 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF death claims: loss of support and funeral costs after a road deathLoss of support for dependants and funeral costs: who can claim, what is covered, the cap and the documents.6 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF serious injury assessment: the RAF 4 form, the 30% test and the narrative testGeneral damages are paid only for a serious injury: how the RAF 4 assessment decides, and what it does not decide.6 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF claim status: how to check a Road Accident Fund claim, and what the stages meanThe official channels to check an RAF claim, the legal timelines and why payments arrive in parts.5 min read · Updated 28 October 2026Home, business & travel · South AfricaCOIDA letter of good standing: how to get it, verify it and keep itRegister, file the Return of Earnings, pay the assessment, then download and verify the letter online.5 min read · Updated 28 October 2026Home, business & travel · South AfricaUIF claim in South Africa: who qualifies, what the Fund pays and how to claimWho can claim, how much UIF pays (38% to 60% of earnings, up to 365 days), the documents and the deadline.7 min read · Updated 28 October 2026Motor & vehicles · South AfricaThird party vs comprehensive car insurance in South AfricaSide by side: what third party, third party fire and theft and comprehensive cover — and what none of them do.5 min read · Updated 28 October 2026Health & life · South AfricaNHI in South Africa: where the National Health Insurance Act stands in October 2026Signed in May 2024, not yet in force: the court challenge and what it means for your medical aid.4 min read · Updated 28 October 2026Health & life · South AfricaLife cover in South Africa: life insurance, disability, dread disease and income protectionThe four kinds of life policy, and the rules every South African life insurer must follow.8 min read · Updated 28 October 2026Health & life · South AfricaCredit life insurance in South Africa: the price caps and your right to choose your own policyCapped by law at R4.50 per R1,000 (R2 for home loans) — and you may use your own policy.7 min read · Updated 28 October 2026Home, business & travel · South AfricaHome insurance in South Africa: buildings, household contents and your bondBuildings vs contents, the bond rule in section 106 of the National Credit Act, average, NFO disputes and Sasria.6 min read · Updated 28 October 2026Home, business & travel · South AfricaSasria: riot, strike and terrorism cover in South AfricaThe state special-risk insurer: what it covers, how you buy it, what it costs and how to claim on time.5 min read · Updated 28 October 2026Home, business & travel · South AfricaTravel insurance in South Africa: Schengen rules, card cover and claimsThe €30,000 Schengen minimum, medical repatriation, card-linked cover, and the ombud for travel claims.5 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance complaints by company in South Africa (NFO figures)The NFO's 2025 complaint counts per insurer, non-life and life, and why a count is not a quality score.3 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance ombudsman in South Africa: how to complain to the NFOThe NFO replaced the short-term and long-term insurance ombudsmen in 2024: free, R5 million limit for non-life, 3 years to complain.7 min read · Updated 28 October 2026Insurers & your rights · South AfricaInsurance claim rejected? Your rights under the Policyholder Protection RulesReasons in writing, 90 days to challenge, 6 months to sue, 14 or 31 days to cool off, 15-day grace periods and 31 days' notice of cancellation.7 min read · Updated 28 October 2026Insurers & your rights · South AfricaWho's who in insurance in South Africa: regulator, industry bodies and insurer CEOs (2026)The regulator, industry bodies, complaints bodies and the CEOs of the largest insurers, each from an official page, read 31 Oct 2026.7 min read · Updated 31 October 2026Health & life · South AfricaMedical aid tax credit calculator (2026/27): the SARS medical credits worked outR376 a month for you, R376 for the first dependant, R254 for each other one — plus the out-of-pocket credit.4 min read · Updated 28 October 2026Health & life · South AfricaMedical aid late-joiner penalty calculator: your band under Regulation 13A = age − (35 + years of cover): find your band and the maximum loading on your contribution.3 min read · Updated 28 October 2026Home, business & travel · South AfricaSasria calculator: the riot and strike premium on your home and carSasria's published rates applied to your building, contents and vehicles, yearly or monthly.2 min read · Updated 28 October 2026Health & life · South AfricaCredit life insurance calculator: the legal maximum on your loan, card or bondR4.50 per R1,000 owed, R2 on a home loan: check whether your credit life premium is within the cap.3 min read · Updated 28 October 2026Motor & vehicles · South AfricaRAF claim deadline calculator: when your Road Accident Fund claim prescribes3 years to lodge if the driver is known, 2 for a hit-and-run, 5 years to finalise: your dates from the accident date.3 min read · Updated 28 October 2026Health & life · BotswanaBOMAID (Botswana Medical Aid Society): health plans, joining, contactsAccess, Comprehensive, Executive, Prestige and a student plan; individual or corporate membership; offices in Gaborone, Francistown and Maun.2 min read · Updated 31 October 2026Health & life · BotswanaPula Medical Aid Fund (Pulamed): benefit options and contactsExecutive, Deluxe, Galaxy, Standard and Flexi; call centre 365 0555; offices in Gaborone and Francistown.2 min read · Updated 31 October 2026Health & life · BotswanaBPOMAS: medical aid for Botswana Government employeesFor all Government employees and pensioners: Premium, High and Standard options; form countersigned by your ministry.2 min read · Updated 31 October 2026Insurers & your rights · BotswanaNBFIRA: Botswana's insurance and medical aid regulatorRegulates insurers, agents, brokers, medical aid funds, retirement funds, capital markets and lenders; 823 licensed entities in 2023.2 min read · Updated 31 October 2026Insurers & your rights · BotswanaLicensed insurance companies in Botswana (2026 list)NBFIRA's list: 9 life insurers, 11 general insurers, 6 reinsurers, 5 medical aid funds.2 min read · Updated 31 October 2026Health & life · BotswanaMedical aid in Botswana: BOMAID, Pula, BPOMAS and Botsogo comparedFive funds registered with NBFIRA: who can join, the options each one lists, waiting periods and contacts.3 min read · Updated 31 October 2026Motor & vehicles · BotswanaMVA Fund Botswana: who is covered and how to claim after a road crashUp to P1,000,000 per injured person, P300,000 for a negligent party, funeral expenses up to P7,500 — claim within five years.6 min read · Updated 31 October 2026Health & life · BotswanaBotsogo Health Plan: options and contactsDiamond, Platinum, Ruby, Bronze and Health4Me; head office at Zambezi Towers, CBD, Gaborone.2 min read · Updated 31 October 2026Health & life · BotswanaFuneral cover in Botswana: who may sell it and what to checkIssued by a licensed life insurer, often sold by a licensed agent; the MVA Fund adds up to P7,500 after a road death.2 min read · Updated 31 October 2026Home, business & travel · BotswanaWorkers' compensation in Botswana: deadlines, forms and the employer's insuranceWorker reports within 10 days, employer within 17 days (form 43/10), claim within 12 months; employers must insure.2 min read · Updated 31 October 2026Motor & vehicles · BotswanaCar insurance in Botswana: the MVA Fund and voluntary motor coverInjuries are covered by the MVA Fund through the fuel levy; your car and other people's property need a policy from a licensed general insurer.2 min read · Updated 31 October 2026Motor & vehicles · BotswanaThird-party vs comprehensive car insurance in BotswanaThe MVA Fund handles injuries; your policy decides who pays for your car and theirs.2 min read · Updated 31 October 2026Health & life · BotswanaLife insurance in Botswana: the 9 licensed life insurers and your rights9 life insurers, P4,507 million of premium in 2022; policies lapse when premiums stop.2 min read · Updated 31 October 2026Home, business & travel · BotswanaHome and property insurance in BotswanaSold by NBFIRA-licensed general insurers; read the policy summary, the exclusions and the grace period.2 min read · Updated 31 October 2026Home, business & travel · BotswanaBusiness insurance in Botswana: licensed insurers and workers' compensation11 general insurers and 6 reinsurers; employers must insure their workers' compensation liability (Cap. 47:03, s.31).2 min read · Updated 31 October 2026Home, business & travel · BotswanaTravel insurance for Botswana: visitors, foreign vehicles and the MVA FundThe MVA Fund covers a visitor's road injuries only while in Botswana; foreign cars pay P150 at the border.2 min read · Updated 31 October 2026Insurers & your rights · BotswanaHow to complain about an insurer or medical aid in Botswana (NBFIRA)Insurer in writing, then its Principal Officer, then NBFIRA (after 10 working days without acknowledgement), then the Tribunal.2 min read · Updated 31 October 2026Insurers & your rights · BotswanaHow to check an insurer, agent or broker in BotswanaFind the insurer and the agent or broker on NBFIRA's lists; never deal with an unlicensed seller.2 min read · Updated 31 October 2026Motor & vehicles · BotswanaMVA Fund claim deadline calculator (Botswana)Five years from the crash since 1 December 2022; no prescription for minors and persons with mental disorders.2 min read · Updated 31 October 2026Health & life · GhanaNHIS renewal: renew by phone with *929# or the MyNHIS appDial *929#, option 2, NHIS Card, your 8-digit membership number, then pay by mobile money. Renew within three months of expiry.3 min read · Updated 31 October 2026Health & life · GhanaNHIS Ghana: how to register, get your card and what it coversEvery resident must belong. Register at a district office or on the MyNHIS app; pregnant women, children, over-70s and SSNIT contributors pay no contribution.4 min read · Updated 31 October 2026Health & life · GhanaThe National Health Insurance Authority (NHIA): what it does and how to reach itNHIA runs the NHIS and also licenses the private health insurance schemes. Call centre 054 444 6447 or 030 274 6447.2 min read · Updated 31 October 2026Insurers & your rights · GhanaInsurance companies in Ghana: the NIC list (2026)The NIC register: 14 life insurers, 25 non-life insurers, 3 reinsurers, 125 brokers.2 min read · Updated 31 October 2026Insurers & your rights · GhanaThe National Insurance Commission (NIC): Ghana's insurance regulatorThe NIC licenses and supervises insurers and intermediaries, mediates complaints and runs the statutory funds. +233 302 238300.2 min read · Updated 31 October 2026Health & life · GhanaHealth insurance in Ghana: NHIS and the licensed private schemesNHIS first, by law. Private cover on top, only from one of the schemes NHIA licenses: 16 at the end of 2024, with 464,849 members.3 min read · Updated 31 October 2026Motor & vehicles · GhanaCar insurance in Ghana: what the law requires and how to buy itAt least third-party cover for every vehicle on a public road; a valid Ghana Card to buy or renew; check the sticker before you board.3 min read · Updated 31 October 2026Motor & vehicles · GhanaHow to check a car's insurance in Ghana: *920*57#, the sticker and the NICSend the vehicle registration number to *920*57#, then check the insurer and agent on the NIC register.2 min read · Updated 31 October 2026Insurers & your rights · GhanaHow to complain about an insurer in Ghana: the NIC Complaints HubInsurer first, in writing; then the NIC Complaints Hub (niccomplaintshub.com). The NIC mediates; 626 complaints in 2024.2 min read · Updated 31 October 2026Home, business & travel · GhanaWorkmen's compensation in Ghana: what the employer owes after a work injury60 months' earnings on death, 96 months' on permanent total incapacity, a percentage for partial incapacity — plus medical expenses.4 min read · Updated 31 October 2026Motor & vehicles · GhanaThird-party vs comprehensive car insurance in GhanaThird-party pays others; comprehensive also pays for your own car. The law only requires third-party.2 min read · Updated 31 October 2026Health & life · GhanaLife insurance in Ghana: types of policy, your rights and the 14 life insurersTerm and funeral policies pay only on death; endowment, whole life and unit-linked add savings. 14 life insurers are licensed.3 min read · Updated 31 October 2026Health & life · GhanaFuneral cover in Ghana: how funeral policies work and how to get paidA funeral policy is term life cover from a licensed life insurer. Delayed funeral claims are a common complaint to the NIC.2 min read · Updated 31 October 2026Home, business & travel · GhanaHome and building insurance in Ghana: household cover and the compulsory commercial building insuranceA family home is insured by choice; offices, shopping malls, factories and hospitals must be insured by law.2 min read · Updated 31 October 2026Home, business & travel · GhanaBusiness insurance in Ghana: the covers the law requiresPublic liability, professional indemnity, commercial building and marine cargo insurance are compulsory for the businesses the Act lists.2 min read · Updated 31 October 2026Home, business & travel · GhanaTravel insurance from Ghana: Schengen visa cover and what policies includeA Schengen visa needs travel medical insurance of at least €30,000; buy it from an NIC-licensed insurer.2 min read · Updated 31 October 2026Insurers & your rights · GhanaComplaints against insurers in Ghana, company by company (NIC 2024)626 complaints in 2024. Impact Life (125), SIC Life (85) and StarLife (55) received the most; among non-life insurers, Star Assurance (16) and Prime (15).5 min read · Updated 31 October 2026Insurers & your rights · GhanaYour rights as a policyholder in GhanaA policy you understand, a written reason if your claim is cut or refused, and the right to complain to the NIC.2 min read · Updated 31 October 2026Insurers & your rights · GhanaCheck an insurer, agent or broker in Ghana before you payUse the NIC's "Verify a licensed entity" register before you pay; health schemes are checked with NHIA.2 min read · Updated 31 October 2026Home, business & travel · GhanaWorkmen's compensation calculator (Ghana)Death: 60 months' earnings. Permanent total incapacity: 96 months'. Partial: the schedule percentage of 96 months'.2 min read · Updated 31 October 2026Health & life · MalawiMASM medical aid: schemes, monthly contributions and how to join (2026)VIP Premier to Econospecial: MASM's own published contributions and limits, funeral cover through NICO Life, joining rules.4 min read · Updated 31 October 2026Insurers & your rights · MalawiInsurance companies in Malawi: the Registrar's list (June 2026)The Registrar's list of 30 June 2026: 8 general insurers, 6 life insurers, 1 inclusive insurer, 1 reinsurer.3 min read · Updated 31 October 2026Health & life · MalawiHealth insurance in Malawi: public care, medical aid and private coverPublic facilities give the health benefit package free of charge to most Malawians; medical aid pays for private care on top.3 min read · Updated 31 October 2026Insurers & your rights · MalawiCheck an insurer, broker or agent in MalawiThe Registrar's list of 30 June 2026: 8 general and 6 life insurers, 1 inclusive insurer, 32 brokers, agents and bancassurance agents.3 min read · Updated 31 October 2026Motor & vehicles · MalawiCar insurance in Malawi: what the Road Traffic Act requiresThird party cover is compulsory on every public road (Road Traffic Act, s 141); comprehensive cover is your choice.4 min read · Updated 31 October 2026Insurers & your rights · MalawiHow to complain about an insurer in MalawiInsurer first (2, 10 or 30 working days), then the Registrar of Financial Institutions: 80 008 444, complaints-handling@rbm.mw.3 min read · Updated 31 October 2026Health & life · MalawiFuneral cover in Malawi: who may sell it and what to checkFuneral insurance needs a licence from the Registrar; check the provider and whether it pays cash or services.2 min read · Updated 31 October 2026Home, business & travel · MalawiWorkers' compensation in Malawi: what the employer owes and how to claim42 months' earnings for a death, 54 for permanent total incapacity, medical expenses; claim within 12 months.3 min read · Updated 31 October 2026Insurers & your rights · MalawiInsurance claims in Malawi: the steps and deadlines your insurer must meet5 working days to acknowledge, 7 working days to present the discharge; up to a 25% fine if not paid within 14 days of it.3 min read · Updated 31 October 2026Health & life · MalawiLife insurance in Malawi: licensed life insurers, policy types and your rightsSix licensed life insurers; a key facts statement before you sign; 10 working days to withdraw without penalty.2 min read · Updated 31 October 2026Motor & vehicles · MalawiThird party, third party fire and theft or comprehensive? Motor cover in MalawiAct or third party cover pays other people; third party fire and theft adds your car's fire and theft; comprehensive adds damage to your car.2 min read · Updated 31 October 2026Motor & vehicles · MalawiHow to check a motor insurance certificate in MalawiThe certificate stays in the vehicle (RTA s 151); check the insurer and the seller on the Registrar's list.3 min read · Updated 31 October 2026Motor & vehicles · MalawiMinibus, taxi and truck insurance in MalawiFare-paying passengers must be covered; a public service vehicle cannot exclude liability to them.2 min read · Updated 31 October 2026Home, business & travel · MalawiHome insurance in Malawi: buildings, contents and householders' coverDomestic cover = buildings, householders' contents or a comprehensive package, from a licensed general insurer.2 min read · Updated 31 October 2026Home, business & travel · MalawiBusiness insurance in Malawi: workers' compensation, property and liabilityEmployers are liable for work injuries (Workers' Compensation Act); property, liability and transit cover are voluntary.2 min read · Updated 31 October 2026Home, business & travel · MalawiTravel insurance in Malawi: visitors, residents abroad and the COMESA Yellow CardShort-stay visitors need comprehensive health insurance for public care (HSSP III); drivers need third party cover, and a Yellow Card for the region.2 min read · Updated 31 October 2026Insurers & your rights · MalawiYour rights as a policyholder in MalawiA key facts statement before you buy, 10 working days to withdraw from a life policy, claim and complaint deadlines.2 min read · Updated 31 October 2026Insurers & your rights · MalawiThe Reserve Bank of Malawi and the Insurance Act: who regulates insuranceThe Governor of the Reserve Bank is the Registrar; the Insurance Act and the Financial Services Act of 2010 are the law.3 min read · Updated 31 October 2026Home, business & travel · MalawiWorkers' compensation calculator (Malawi)42 × monthly earnings for a death, 54 × for permanent total incapacity, a First Schedule percentage of that for a partial one.3 min read · Updated 31 October 2026Insurers & your rights · MalawiInsurance claim timeline calculator (Malawi)5 working days to acknowledge, 14 days for an investigation, 7 working days to present the discharge, payment within 14 days of signing it.2 min read · Updated 31 October 2026Motor & vehicles · NamibiaThe MVA Fund: how to claim after a road accident in NamibiaMedical 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.5 min read · Updated 31 October 2026Insurers & your rights · NamibiaRegistered insurance companies in Namibia (2026 list)NAMFISA's register: 14 short-term insurers, 15 long-term insurers and 7 medical aid funds.2 min read · Updated 31 October 2026Health & life · NamibiaMedical aid in Namibia: funds, members and your rights7 medical aid funds on NAMFISA's register, 219,790 beneficiaries, N$23,205 spent per beneficiary a year.2 min read · Updated 31 October 2026Health & life · NamibiaSocial Security Commission (SSC) Namibia: maternity leave, sick leave and death benefits1.8% of basic wage, shared 50/50; maternity at 100% up to N$20,000; sick leave at 75%; N$15,000 on death or retirement.2 min read · Updated 31 October 2026Insurers & your rights · NamibiaHow to complain about an insurer in Namibia (NAMFISA)Insurer first, in writing; then NAMFISA: 061 290 5134, toll-free 0800 290 500, complaintsdept@namfisa.com.na.2 min read · Updated 31 October 2026Health & life · NamibiaFuneral cover in Namibia: policies, payouts and public grantsA funeral policy is long-term insurance; NAMFISA says most insurers pay within 24–48 hours. Plus the N$7,000 MVA and N$4,500 SSC grants.2 min read · Updated 31 October 2026Motor & vehicles · NamibiaCar insurance in Namibia: the MVA Fund and voluntary motor coverInjuries are covered by the MVA Fund through the fuel levy; your car and other people's property need a private policy from a registered short-term insurer.2 min read · Updated 31 October 2026Insurers & your rights · NamibiaNAMFISA and the Financial Institutions and Markets Act (FIMA)FIMA in force since 1 May 2026, replacing the 1998 Short-term and Long-term Insurance Acts.2 min read · Updated 31 October 2026Insurers & your rights · NamibiaHow to check an insurer, agent or broker in NamibiaNAMFISA's online register, the deregistered list and the toll-free line 0800 290 500.2 min read · Updated 31 October 2026Health & life · NamibiaLife insurance in Namibia: insurers, lapses and your rights15 long-term insurers, N$14.4 billion of premiums in 2024; policies lapse when premiums fall into arrears.2 min read · Updated 31 October 2026Motor & vehicles · NamibiaThird-party vs comprehensive car insurance in NamibiaThe MVA Fund handles injuries to other people; your policy decides who pays for your car and theirs.2 min read · Updated 31 October 2026Home, business & travel · NamibiaHome and property insurance in Namibia14 short-term insurers; NASRIA alone covers riot, strike and political violence damage.2 min read · Updated 31 October 2026Home, business & travel · NamibiaBusiness insurance and employees' compensation in NamibiaThe Employees' Compensation Fund (Act 30 of 1941) for work injuries, MSD contributions for staff, NASRIA for riots and strikes.2 min read · Updated 31 October 2026Home, business & travel · NamibiaTravel insurance for Namibia: visitors, drivers and the MVA FundHealth or travel insurance is on the visa-on-arrival checklist; the MVA Fund gives visitors medical care only.2 min read · Updated 31 October 2026Motor & vehicles · NamibiaMVA Fund claim deadline calculator (Namibia)One year to lodge, two years once lodged in time, 14 days for the driver and owner to report.2 min read · Updated 31 October 2026Health & life · NamibiaSSC contribution and maternity benefit calculator (Namibia)0.9% + 0.9% of basic wage up to N$12,500; maternity at 100% up to N$20,000 a month.2 min read · Updated 31 October 2026Motor & vehicles · NigeriaHow to verify motor insurance on NIID (askniid.org and *565*11#)askniid.org → Check Policy, or dial *565*11#. What to do if your policy is not found.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaAXA Mansard Insurance: licence, products, contacts and claimsComposite insurer LIC 021, 0700 AXAMANSARD, ccare@axamansard.com; motor claims documents; AXA Mansard Health HMO.2 min read · Updated 31 October 2026Health & life · NigeriaHMOs in Nigeria: the NHIA list (Reliance, Hygeia, Leadway Health, AXA Mansard Health, Avon…)94 entries on NHIA's list. Contacts of the most-searched HMOs, and what to check before you sign.3 min read · Updated 31 October 2026Health & life · NigeriaNHIA: the National Health Insurance Authority (formerly NHIS)The NHIA Act 2022 replaced NHIS and made health insurance mandatory for every resident.3 min read · Updated 31 October 2026Insurers & your rights · NigeriaLeadway Assurance: licence, products, contacts and claimsComposite insurer LIC 002, 0201 280 0700; claims acknowledged in 48 hours (its own timeline); Leadway Health HMO.2 min read · Updated 31 October 2026Health & life · NigeriaNHIA registration: how to enrol (individual, family, group, employer)GIFSHIP: ₦22,000 per person a year via Remita, ₦1,500 ID card, NIN for each enrollee. Employers: OPSSHIP.3 min read · Updated 31 October 2026Insurers & your rights · NigeriaAIICO Insurance: licence, products, contacts and claimsComposite insurer LIC 006, 0700 AIICONTACT, aiicontact@aiicoplc.com; AIICO Multishield HMO.2 min read · Updated 31 October 2026Home, business & travel · NigeriaNSITF registration and the Employees' Compensation SchemeRegister on ecsonline.nsitf.gov.ng, pay 1% of payroll monthly, verify certificates online; claims processed in 7 working days (NSITF).2 min read · Updated 31 October 2026Insurers & your rights · NigeriaInsurance companies in Nigeria: the 2026 NAICOM list48 insurers (28 non-life, 12 life, 8 composite) and 2 reinsurers confirmed by NAICOM in 2026.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaNAICOM and the Nigerian Insurance Industry Reform Act 2025 (NIIRA)NIIRA 2025 replaced the Insurance Act 2003; 48 insurers and 2 reinsurers passed the 2026 recapitalisation.2 min read · Updated 31 October 2026Motor & vehicles · NigeriaCar insurance in Nigeria: compulsory third-party cover, prices and your rightsThird-party is compulsory and priced by NAICOM (₦15,000 for a private car); comprehensive costs at least 5% of the car's value.3 min read · Updated 31 October 2026Motor & vehicles · NigeriaThird-party vs comprehensive car insurance in NigeriaThird-party pays other people, at a price NAICOM fixes; comprehensive also pays for your car, from 5% of its value.2 min read · Updated 31 October 2026Health & life · NigeriaHealth insurance in Nigeria: NHIA, HMOs and state schemesMandatory under the NHIA Act 2022; 10% employer + 5% employee; care managed by NHIA-accredited HMOs.2 min read · Updated 31 October 2026Health & life · NigeriaLife insurance in Nigeria: licensed life insurers, group life and your rights12 life insurers and 8 composites met NIIRA's capital rules; group life is compulsory for employers.2 min read · Updated 31 October 2026Health & life · NigeriaState health insurance schemes in Nigeria (LASHMA, FHIS, KSCHMA…)Section 13 of the NHIA Act: state schemes, free cover for vulnerable people, NHIA's list of state agencies.2 min read · Updated 31 October 2026Health & life · NigeriaGroup life insurance in Nigeria: what every employer must buyAt least 3× annual gross pay per employee, paid by the employer; the employer pays the claim itself if it did not insure.2 min read · Updated 31 October 2026Home, business & travel · NigeriaBusiness insurance in Nigeria: the covers the law requiresNSITF 1% of payroll, group life 3× pay, motor third-party, NHIA for 5+ staff — and how to check each.2 min read · Updated 31 October 2026Home, business & travel · NigeriaTravel insurance and the ECOWAS Brown Card in NigeriaEvery motor policy now includes an ECOWAS Brown Card at no extra cost; travel policies come from licensed insurers.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaHow to complain about an insurer in Nigeria (NAICOM)Insurer first; then NAICOM at complaints@naicom.gov.ng with your policy, payment proof and claim form.2 min read · Updated 31 October 2026Insurers & your rights · NigeriaHow to check an insurer, broker or HMO in NigeriaNAICOM lists for insurers and brokers, NHIA for HMOs, askNIID for motor certificates.2 min read · Updated 31 October 2026Motor & vehicles · NigeriaThird-party and comprehensive car insurance price in Nigeria (NAICOM rates)Third-party from ₦3,000 (motorcycle) to ₦100,000 (truck); comprehensive at least 5% of the vehicle's value.2 min read · Updated 31 October 2026Home, business & travel · NigeriaNSITF contribution and group life minimum calculator (Nigeria)1% of total monthly payroll to NSITF; group life of at least 3 times each employee's annual total emolument.2 min read · Updated 31 October 2026Health & life · RwandaMutuelle de santé (CBHI) in Rwanda: categories, amounts and how to pay on Irembo4,000 to 20,000 Frw per person a year by category; pay on Irembo, *909#, MoMo or a bank, for the July–June year.4 min read · Updated 31 October 2026Health & life · RwandaRSSB medical insurance (RAMA): cover, contributions and how employers join15% of basic salary shared equally; RSSB pays 85% of eligible care; employers with at least seven employees join on Ishema.2 min read · Updated 31 October 2026Insurers & your rights · RwandaLicensed insurance companies in Rwanda (BNR list)The BNR list: 12 private insurers, 2 public medical insurers, a micro, a captive, an HMO and a mutual insurer.2 min read · Updated 31 October 2026Health & life · RwandaHealth insurance in Rwanda: mutuelle, RSSB, MMI and private coverMutuelle for most households, RSSB medical for employees, MMI for the military, private group cover on top.2 min read · Updated 31 October 2026Health & life · RwandaEden Care in Rwanda: the licensed health maintenance organisation (HMO)The only HMO on the BNR list, licensed in 2022; it presents itself as digital group health cover for employers.2 min read · Updated 31 October 2026Health & life · RwandaMutuelle de santé (CBHI) contribution calculator4,000 to 20,000 Frw per person a year depending on the category; Category I fully paid by the Government.2 min read · Updated 31 October 2026Health & life · RwandaMilitary Medical Insurance (MMI) in RwandaThe public medical insurer of the Rwanda Defence Force and their dependants, under Law n° 036/2022.2 min read · Updated 31 October 2026Motor & vehicles · RwandaMotor insurance in Rwanda: compulsory third-party cover and what it paysThird-party liability is compulsory; uninsured vehicles are impounded until the Special Guarantee Fund is repaid.2 min read · Updated 31 October 2026Insurers & your rights · RwandaHow to complain about an insurer in Rwanda (BNR)Insurer first, then the BNR: INTUMWA chatbot, WhatsApp +250 791 700 721, SMS 6005.2 min read · Updated 31 October 2026Insurers & your rights · RwandaCheck an insurer, agent or broker in RwandaCheck the BNR lists; pay the premium to the insurer, never to an agent or broker.2 min read · Updated 31 October 2026Motor & vehicles · RwandaThird-party vs comprehensive motor insurance in RwandaThird party pays the people and property you damage; comprehensive adds your own vehicle.2 min read · Updated 31 October 2026Motor & vehicles · RwandaRoad accident compensation in Rwanda and the Special Guarantee FundInsured accident: the insurer pays. Uninsured or unidentified vehicle: the Special Guarantee Fund pays — report within 7 days.3 min read · Updated 31 October 2026Health & life · RwandaLife insurance in Rwanda: your rights under the insurance lawName your beneficiaries; after three years a policy has a surrender value and cannot lapse for unpaid premiums.2 min read · Updated 31 October 2026Health & life · RwandaMaternity leave benefits in Rwanda: 14 weeks on full salary, RSSB refund14 weeks on full salary; the employer is refunded the last 8 weeks by RSSB within 30 days.2 min read · Updated 31 October 2026Home, business & travel · RwandaBusiness insurance in Rwanda: staff schemes and the cover you buyRSSB covers work injury and maternity; property, liability, marine and guarantee cover are bought from licensed insurers.2 min read · Updated 31 October 2026Home, business & travel · RwandaTravel and cross-border motor insurance in Rwanda (COMESA Yellow Card)Drive abroad with a COMESA Yellow Card; buy travel cover only from a BNR-licensed insurer.2 min read · Updated 31 October 2026Home, business & travel · RwandaOccupational hazards scheme (work injury) in Rwanda: RSSB benefits75% of daily earnings for up to 180 days, an 85% pension for permanent incapacity, survivors' allowances.2 min read · Updated 31 October 2026Insurers & your rights · RwandaYour rights as a policyholder in Rwanda: claims, deadlines, cancellation5 working days to declare, 10 working days for a reasoned rejection, one month to pay, 5 years to sue.3 min read · Updated 31 October 2026Insurers & your rights · RwandaLicensed insurance brokers in Rwanda (BNR list, April 2026)17 insurance brokers and 3 reinsurance brokers on the BNR list of April 2026.2 min read · Updated 31 October 2026Insurers & your rights · RwandaThe National Bank of Rwanda and the insurance law (Law n° 030/2021)The BNR is the sole insurance supervisor; Law n° 030/2021 sets licensing, conduct and contract rules.2 min read · Updated 31 October 2026Health & life · RwandaRSSB medical insurance (RAMA) contribution calculator15% of basic salary, 7.5% from the employee and 7.5% from the employer; pensioners 7.5% of the pension.2 min read · Updated 31 October 2026Health & life · ZambiaNHIMA registration: who must register and how (2026)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 18.4 min read · Updated 31 October 2026Health & life · ZambiaeNHIMA portal: log in, pay and check your NHIMA statusThe only official portal is enhima.nhima.co.zm. Pay and check your status by mobile money on *115# (Airtel, MTN, Zamtel).2 min read · Updated 31 October 2026Health & life · ZambiaNHIMA benefits: what the scheme pays, your card and complaintsConsultations, admission, surgery, maternity, generic medicines, dental, spectacles once every 3 years. Not covered: treatment abroad, cosmetic surgery, road and work injuries covered elsewhere.4 min read · Updated 31 October 2026Insurers & your rights · ZambiaLicensed insurance companies in Zambia (PIA list 2026)The PIA's 2026 list: 24 general insurers, 9 long-term insurers, 5 reinsurers.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaThe Pensions and Insurance Authority (PIA) and the Insurance Act 2021The PIA licenses insurers, brokers and agents and supervises them under the Insurance Act 2021. Premiums: K10.5 billion in 2025.2 min read · Updated 31 October 2026Motor & vehicles · ZambiaCar insurance in Zambia: what the law requiresThird-party cover is compulsory (Road Traffic Act, s.86). Display the insurance disc; RTSA asks for a certificate or cover note to register a vehicle.4 min read · Updated 31 October 2026Home, business & travel · ZambiaWorkers' compensation in Zambia (WCFCB): claims and employer dutiesEmployers report within 3 days; claims within 12 months. Accidents on a reasonably direct route to or from work count.3 min read · Updated 31 October 2026Health & life · ZambiaHealth insurance in Zambia: NHIMA and private medical coverNHIMA is compulsory for citizens and residents over 18; private health policies come from PIA-licensed insurers. Health is 54% of long-term premiums.3 min read · Updated 31 October 2026Motor & vehicles · ZambiaHow to check a motor insurance cover in ZambiaRead the disc (registration, chassis, expiry), check the insurer and the seller on the PIA's 2026 list, and confirm with the insurer.3 min read · Updated 31 October 2026Insurers & your rights · ZambiaHow to complain about an insurer in Zambia (PIA)Insurer first, in writing. Then the PIA Registrar: pia@pia.org.zm, +260 211 251401, or the complaint form. One year from the end of the insurer's process.3 min read · Updated 31 October 2026Motor & vehicles · ZambiaThird-party vs comprehensive car insurance in ZambiaThe law requires cover for injury and death of other people; damage to cars and your own vehicle depend on the policy you choose.2 min read · Updated 31 October 2026Motor & vehicles · ZambiaHurt in a road accident in Zambia? Claim from the driver's insurerClaim directly from the insurer of the vehicle, within 3 years (Road Traffic Act s.90). The insurer also pays the hospital (s.93).2 min read · Updated 31 October 2026Health & life · ZambiaLife insurance in Zambia: your rights as a policyholder9 licensed long-term insurers. Cancel a new life policy within 30 days; a policy for your spouse or children is protected from creditors.3 min read · Updated 31 October 2026Health & life · ZambiaFuneral cover in Zambia: what the law says and what to checkA funeral policy pays funeral and burial expenses on a death. Buy it from a PIA-licensed insurer or through a licensed agent or broker.2 min read · Updated 31 October 2026Home, business & travel · ZambiaBusiness insurance in Zambia: what employers must haveRegister with the WCFCB within 14 days of starting business, NHIMA for each employee within 30 days, third-party cover for every vehicle, assets insured with a Zambian insurer.2 min read · Updated 31 October 2026Home, business & travel · ZambiaTravel insurance for Zambia: health cover and driving inForeigners must hold valid health insurance in Zambia, or buy it on arrival. Vehicles need third-party cover to enter by road.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaYour rights as a policyholder in ZambiaLegible terms, written reasons for a refused claim, 30 days to cancel a life policy, premiums to your broker count as paid, and the right to go to court.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaCheck an insurer, broker or agent in ZambiaThe PIA publishes one list for the year: 24 general insurers, 9 long-term insurers, 5 reinsurers, 95 brokers, every insurer's agents.2 min read · Updated 31 October 2026Health & life · ZambiaNHIMA contribution calculator (Zambia)1% of basic salary from the employee, 1% from the employer; 1% of declared income if self-employed. Due by the 10th.2 min read · Updated 31 October 2026Health & life · ZimbabweCIMAS medical aid: packages, how to claim and contactsSecure (USD) packages from Health Save to Prime, claims by app or email, contacts — from CIMAS's own site.2 min read · Updated 31 October 2026Motor & vehicles · ZimbabweZINARA licence and vehicle insurance in Zimbabwe: what you need and how to payThird-party cover is compulsory (Road Traffic Act, s 22); ZINARA sells the licence, insurance and radio licence at its offices and online.4 min read · Updated 31 October 2026Health & life · ZimbabweNyaradzo funeral policy: the plans, the company and your rightsScore Pack, Six Pack, Group, Civil Servants, Sahwira International and Conventional plans, from Nyaradzo Life Assurance.2 min read · Updated 31 October 2026Health & life · ZimbabwePSMAS medical aid: plans for civil servants, families and companiesFormed in 1930: public-sector, private-sector, individual, student and USD plans.2 min read · Updated 31 October 2026Insurers & your rights · ZimbabweInsurance companies in Zimbabwe (IPEC list, 2026)IPEC's list: 20 short-term insurers, 11 life assurers, 9 funeral assurers, 16 microinsurers.2 min read · Updated 31 October 2026Health & life · ZimbabweMedical aid societies in Zimbabwe compared: CIMAS, PSMAS and how to chooseCIMAS and PSMAS from their own pages: packages, membership, claims and contacts.2 min read · Updated 31 October 2026Insurers & your rights · ZimbabweIPEC: the Insurance and Pensions Commission of ZimbabweRegulator of insurers, brokers and pension funds; medical aid societies and NSSA added in April 2026.2 min read · Updated 31 October 2026Health & life · ZimbabweFuneral policies in Zimbabwe: who sells them and the rules on missed premiumsGrace of one month or 14 days' notice; after 5 years of premiums, cover stays in force without payment for 6 to 60 months.3 min read · Updated 31 October 2026Motor & vehicles · ZimbabweCar insurance in Zimbabwe: compulsory third-party cover and what else to buyThird-party cover is compulsory; the injured can claim from your insurer directly within two years; 20 short-term insurers on IPEC's list.2 min read · Updated 31 October 2026Insurers & your rights · ZimbabweHow to complain about an insurer in Zimbabwe (IPEC)Write to the insurer, then IPEC (free): complaints@ipec.co.zw, WhatsApp +263 772 154 281.2 min read · Updated 31 October 2026Motor & vehicles · ZimbabweThird-party vs comprehensive car insurance in ZimbabweThird-party = the legal minimum for harm to others; comprehensive adds your own car.2 min read · Updated 31 October 2026Motor & vehicles · ZimbabweHow to check a vehicle's insurance and licence in ZimbabweThe insurer's certificate, IPEC's list of insurers and ZINARA's Vehicle Status check for the licence.2 min read · Updated 31 October 2026Health & life · ZimbabweHealth insurance in Zimbabwe: medical aid societies and health coverMedical aid societies registered under the Medical Services Act; IPEC added as regulator by the 2026 Amendment Act.2 min read · Updated 31 October 2026Health & life · ZimbabweLife insurance in Zimbabwe: the life assurers and your rights11 life assurers on IPEC's list; Heritage Life cancelled in May 2026; a policyholder protection fund created in April 2026.2 min read · Updated 31 October 2026Home, business & travel · ZimbabweBusiness insurance in Zimbabwe: NSSA work-injury cover and private policiesNSSA work-injury scheme (employer-funded), NSSA pension 4.5% + 4.5%, and private cover from 20 short-term insurers.2 min read · Updated 31 October 2026Home, business & travel · ZimbabweTravel and cross-border motor insurance in Zimbabwe: the COMESA yellow cardYellow card from your Zimbabwean insurer for COMESA countries; the Motor Insurance Pool at the border for visitors.2 min read · Updated 31 October 2026Home, business & travel · ZimbabweNSSA workers' compensation in Zimbabwe (APWCS): who is covered and how to claimEmployer-funded; covers formal workers over 16; civil servants, domestic and informal workers excluded.2 min read · Updated 31 October 2026Insurers & your rights · ZimbabweHow to check an insurer, broker or agent in ZimbabweIPEC's list of regulated entities, its cancellation notices, and the offences of the Insurance Act.2 min read · Updated 31 October 2026Motor & vehicles · ZimbabweZINARA vehicle licence fee calculator (SI 67 of 2024)14 weight classes, 4 to 12 months, from ZINARA's own table (SI 67 of 2024).2 min read · Updated 31 October 2026Health & life · ZimbabweFuneral policy lapse calculator (Insurance Act, section 60)Grace period, then 6 to 60 months of paid-up cover after five years of premiums.2 min read · Updated 31 October 2026Home, business & travel · ZimbabweNSSA pension contribution calculator (Zimbabwe)4.5% + 4.5% of earnings up to US$700: at most US$31.50 each a month.2 min read · Updated 31 October 2026
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Regulators: Kenya: IRA Kenya · Uganda: IRA Uganda · Tanzania: TIRA · Ethiopia: National Bank of Ethiopia · South Africa: Prudential Authority and FSCA · Botswana: NBFIRA · Ghana: NIC · Malawi: the Registrar (RBM) · Namibia: NAMFISA · Nigeria: NAICOM · Rwanda: BNR · Zambia: PIA · Zimbabwe: IPEC