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Tulinde blog · Ethiopia

Insurance in Ethiopia: the blog

17 guides for Ethiopia, from what the law requires to which insurer pays fastest — every fact linked to the regulator or the Act.

17 guides

Insurers & 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 2026
Motor & 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 2026
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Supervisor in Ethiopia: National Bank of Ethiopia

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