Zemen Insurance in Ethiopia
Figures, claims and complaints
- Capital (ETB million)
- 668
- Branches
- 30
Regulator's figures, 30 June 2025, as printed — see the table below for the source.
On this page · 5 sections
Zemen Insurance company licensed in Ethiopia
| Company | Licensed as |
|---|---|
| Zemen Insurance S.C. | Insurance companies |
Source: National Bank of Ethiopia, licensed insurers (NBE directory, confirmed by the NBE Annual Report 2024/25). Names are reproduced as the regulator lists them. A licence is not a rating: it means the company may sell insurance in Ethiopia.
Zemen Insurance in Ethiopia: the regulator's figures (30 June 2025)
| Company | Capital (ETB million) | A year earlier | Rank by capital | Branches (Addis Ababa / regions) |
|---|---|---|---|---|
| Zemen Insurance S.C. | 668 | 484 | 14 of 18 | 30 (23 / 7) |
Source: National Bank of Ethiopia — Annual Report 2024/25, Table 4.6: branch network and capital of insurance companies, 30 June 2025 (figures reported by the companies). The National Bank of Ethiopia does not publish premium, claims or complaints by company: capital says how big an insurer is, not how well it pays. Compare: largest insurers · compare two insurers in Ethiopia.
Before you buy from Zemen Insurance in Ethiopia
- Check that the policy is issued by one of the companies above — the licensed entity, not only the brand.
- For motor cover, ask the insurer to confirm the certificate; the sticker must be on the windscreen.
- Ask for the schedule and the exclusions in writing, and compare them with at least one other insurer.
- Keep in mind the claim rule that applies to every insurer: the insurer must answer a complaint within 10 business days (NBE Directive FCP/01/2020).
- If something goes wrong, complain to the insurer, then to the National Bank of Ethiopia (complaintoffice@nbe.gov.et).
The rules above come from our guides: check a cover, licensed insurers and how to complain.
Tulinde is independent and not affiliated with Zemen Insurance. Brand names belong to their owners.
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Frequently asked questions
Is Zemen Insurance licensed in Ethiopia?
Yes. 1 Zemen Insurance company appears on the National Bank of Ethiopia list (NBE directory, confirmed by the NBE Annual Report 2024/25): Zemen Insurance S.C.
How do I complain about Zemen Insurance in Ethiopia?
Write to Zemen Insurance first; if it does not settle, complain to the insurer, then to the National Bank of Ethiopia (complaintoffice@nbe.gov.et).
How long does Zemen Insurance have to pay a claim in Ethiopia?
The same rule applies to every insurer in Ethiopia: the insurer must answer a complaint within 10 business days (NBE Directive FCP/01/2020).