# Tulinde — insurance guides for Africa > Tulinde is an independent, sourced guide to buying and using insurance in Kenya (tulinde.co.ke), Uganda (tulinde.co.ug), Tanzania (tulinde.co.tz), South Africa (tulinde.co.za), Ethiopia (tulinde.africa/et/), Botswana (tulinde.africa/bw/), Ghana (tulinde.africa/gh/), Malawi (tulinde.africa/mw/), Namibia (tulinde.africa/na/), Nigeria (tulinde.africa/ng/), Rwanda (tulinde.africa/rw/), Zambia (tulinde.africa/zm/) and Zimbabwe (tulinde.africa/zw/): compulsory motor cover, health (SHA, NHIF), life, home, business and travel insurance, the regulators' lists of licensed insurers, claim deadlines and how to complain. This domain is the regional hub and the home of the Ethiopia, Botswana, Ghana, Malawi, Namibia, Nigeria, Rwanda, Zambia and Zimbabwe guides. How to cite: "Tulinde, " with the page URL. Every page states its review date and links each fact to the Act, the regulator or the insurer's own document it comes from. Tulinde is an independent guide run by Takat AI; it is not an insurer, a broker or an agent, and it does not rank or rate insurers. ## Key facts - Ethiopia: Supervisor: National Bank of Ethiopia; Compulsory cover: Vehicle third-party (Proc. 799/2013); Insurance penetration (2024/25): 0.3% of GDP; Insurance companies: 18 (1 state-owned, 17 private); Premiums (2024/25): ETB 41.1 billion (+43.1%). Regulator: National Bank of Ethiopia (https://nbe.gov.et/). Currency: ETB. - Ethiopia on Tulinde: 15 guides, 2 articles, 18 insurer profiles; latest review 2026-10-28. Quote requests: closed (Ethiopia's Personal Data Protection Proclamation No. 1321/2024 (Art. 22) requires personal data collected in Ethiopia to be stored on a server in Ethiopia. Until Tulinde can meet that rule, we do not collect quote requests for Ethiopia. The guides stay open.). - Botswana: Regulator: NBFIRA; Insurance law: Insurance Industry Act (Cap. 46:01), in force 17 May 2019; Road injuries: MVA Fund, financed by a fuel levy (Act No. 15 of 2007); Licensed insurers and medical aid funds: 31: 9 life, 11 general, 5 medical aid funds, 6 reinsurers; Premiums 2022: Life P4.5 billion, general P1.7 billion; medical aid contributions P2.3 billion; Currency: Pula (P, BWP), since 23 August 1976. Regulator: Non-Bank Financial Institutions Regulatory Authority (https://www.nbfira.org.bw/). Currency: BWP. - Botswana on Tulinde: 19 guides, 0 articles, 5 insurer profiles; latest review 2026-10-31. Quote requests: closed (Botswana's Insurance Industry Act (Cap. 46:01, in force since 17 May 2019) provides for the licensing of insurance brokers and insurance agents (section 76), and NBFIRA states that "only licensed insurance agents are allowed to sell and service insurance policies". Passing quote requests to insurers for a fee could fall under that licensing. Until Tulinde has a ruling from NBFIRA or works with a licensed broker, we do not collect quote requests for Botswana. The guides stay open.). - Ghana: Insurance regulator: National Insurance Commission (NIC); Insurance law: Insurance Act, 2021 (Act 1061); Health insurance: NHIS, compulsory for residents (Act 852); NHIA also licenses private schemes; Licensed insurers (Oct. 2026): 46: 14 life, 25 non-life, 3 reinsurers, 4 technical service providers; Insurance revenue 2024: Non-life GH¢5.0 billion, life GH¢2.33 billion; Currency: Ghana cedi (GH₵). Regulator: National Insurance Commission (https://nic.gov.gh/). Currency: GHS. - Ghana on Tulinde: 20 guides, 0 articles, 7 insurer profiles; latest review 2026-10-31. Quote requests: closed (Ghana's Insurance Act, 2021 (Act 1061) forbids anyone to carry on business as an insurance intermediary without a licence from the National Insurance Commission (section 109), and a person who "invites another person in the country or causes another person to be invited as a customer, through an advertisement or otherwise" is considered to carry on that business (section 109(2)). The licence categories include technical service providers, whose work includes "distributing policies", and innovative insurance intermediaries (section 110 and the Act's definitions). Until Tulinde holds a licence, has a ruling from the NIC or works with a licensed broker, we do not collect quote requests for Ghana. The guides and free PDF guides stay open.). - Malawi: Regulator: Registrar of Financial Institutions (Governor of the Reserve Bank of Malawi); Insurance law: Insurance Act, Cap. 47:01 (in force 1 October 2010) + Financial Services Act 2010; Motor: Third party cover compulsory on public roads (Road Traffic Act, s 141); Licensed insurers (30 June 2026): 16: 8 general, 6 life, 1 inclusive insurer, 1 reinsurer; Work injuries: Workers' Compensation Act, Cap. 55:03 — Workers' Compensation Fund; Currency: Malawi kwacha (MK / MWK). Regulator: Registrar of Financial Institutions (Reserve Bank of Malawi) (https://www.rbm.mw/). Currency: MWK. - Malawi on Tulinde: 20 guides, 0 articles, 4 insurer profiles; latest review 2026-10-31. Quote requests: closed (Malawi's Insurance Act 2010 forbids anyone to carry on the business of an insurance broker without a licence (section 27), and an insurance broker is anyone who, for any compensation, commission or other thing of value, "acts or aids in any manner in soliciting, negotiating or procuring the making of any contract of insurance" (section 2). The Data Protection Act 2024 also restricts transfers of personal data out of Malawi to recipients with adequate protection (section 38). Until Tulinde has a ruling from the Registrar of Financial Institutions or works with a licensed broker, we do not collect quote requests for Malawi. The guides and free PDF guides stay open.). - Namibia: Regulator: NAMFISA; Insurance law: Financial Institutions and Markets Act 2 of 2021 (in force 1 May 2026); Road injuries: MVA Fund, financed by a fuel levy (Act 10 of 2007); Registered insurers and funds (Oct. 2026): 38: 14 short-term, 15 long-term, 7 medical aid funds, 1 reinsurer, 1 Lloyd's; Premiums 2024: Long-term N$14.4 billion, short-term N$5.5 billion; Currency: Namibia dollar (N$), pegged 1:1 to the rand. Regulator: Namibia Financial Institutions Supervisory Authority (https://www.namfisa.com.na/). Currency: NAD. - Namibia on Tulinde: 16 guides, 0 articles, 3 insurer profiles; latest review 2026-10-31. Quote requests: closed (Namibia's Financial Institutions and Markets Act 2 of 2021, in force since 1 May 2026, forbids anyone to carry on the activities of an insurance agent or broker for compensation without registration with NAMFISA (section 54), and those activities include "acting or aiding in any manner in connection with the negotiation" of insurance (section 53). Until Tulinde has a ruling from NAMFISA or works with a registered broker, we do not collect quote requests for Namibia. The guides stay open.). - Nigeria: Regulator: NAICOM; Insurance law: Nigerian Insurance Industry Reform Act 2025 (signed 31 July 2025); Licensed insurers and reinsurers (Aug. 2026): 73: 28 non-life, 12 life, 8 composite, 2 reinsurers, 5 takaful, 18 microinsurance; Compulsory motor cover: Third-party: ₦15,000 a year for a private car (NAICOM rate); Health insurance: Mandatory for every resident (NHIA Act 2022, s.14); Gross premium, Q2 2026: ₦1,285.2 billion (NAICOM); Currency: Naira (₦, NGN). Regulator: National Insurance Commission (https://naicom.gov.ng/). Currency: NGN. - Nigeria on Tulinde: 22 guides, 0 articles, 2 insurer profiles; latest review 2026-10-31. Quote requests: closed (NAICOM's Guidelines for Insurtech Operations in Nigeria (in force since 1 August 2025) say that "no person shall commence or carry on any class of insurtech business without being registered or authorized by the Commission" (para. 1.2); they list the marketing and distribution of insurance products and insurance business aggregation among insurtech services (para. 4.1), define a lead as the contact details a visitor submits to obtain prices or features of insurance products, and forbid anyone to function as an insurtech without a licence (para. 18.2.2). NAICOM also licenses insurance web aggregators separately. Until Tulinde holds a NAICOM licence or works through a licensed operator, we do not collect quote requests for Nigeria. The guides and the free PDF guides stay open.). - Rwanda: Regulator: National Bank of Rwanda (BNR); Insurance law: Law n° 030/2021 governing the organisation of insurance business; Licensed insurers (BNR list): 19: 12 private insurers, 2 public insurers, 1 micro insurer, 1 captive insurer, 1 HMO, 1 mutual insurer, 1 reinsurer; Mutuelle de santé (CBHI): 4,000 to 20,000 Frw per person a year, by category (RSSB); Road accidents: Law n° 029/2025; Special Guarantee Fund for uninsured vehicles; Currency: Rwandan franc (Frw, RWF). Regulator: National Bank of Rwanda (https://www.bnr.rw/). Currency: RWF. - Rwanda on Tulinde: 21 guides, 0 articles, 8 insurer profiles; latest review 2026-10-31. Quote requests: closed (Rwanda's Law n° 058/2021 relating to the protection of personal data and privacy requires data controllers and processors to store personal data in Rwanda; storage outside Rwanda is only permitted with a registration certificate issued by the supervisory authority (article 50). Law n° 030/2021 on insurance business also reserves insurance intermediation to persons licensed by the National Bank of Rwanda (article 72). Until Tulinde stores data in Rwanda or holds that certificate, and works with a licensed broker, we do not collect quote requests for Rwanda. The guides and the free PDF guides stay open.). - Zambia: Regulator: Pensions and Insurance Authority (PIA); Insurance law: Insurance Act No. 38 of 2021; National health insurance: NHIMA: 1% of basic salary from employee + 1% from employer; Motor: Third-party cover compulsory (Road Traffic Act 2002, s.86); Licensed insurers (2026): 38: 24 general, 9 long-term, 5 reinsurers; Premiums 2025: K10.46 billion (general K6.84 billion, long-term K3.62 billion). Regulator: Pensions and Insurance Authority (https://www.pia.org.zm/). Currency: ZMW. - Zambia on Tulinde: 19 guides, 0 articles, 5 insurer profiles; latest review 2026-10-31. Quote requests: closed (Zambia's Insurance Act No. 38 of 2021 forbids anyone to hold himself out as an intermediary without a licence from the Pensions and Insurance Authority (section 6), and defines insurance brokerage as including "bringing together persons seeking a contract of insurance" (section 2). The Data Protection Act No. 3 of 2021 requires a data controller to process and store personal data on a server or data centre located in Zambia (section 70). Until Tulinde holds a PIA licence or works with a licensed broker, and stores data in Zambia, we do not collect quote requests for Zambia. The guides stay open.). - Zimbabwe: Regulator: IPEC (Insurance and Pensions Commission); Insurance law: Insurance Act [Chapter 24:07]; IPEC Act amended in 2026; Compulsory motor cover: Third-party insurance (Road Traffic Act, s 22); Registered insurers (Oct. 2026): 70: 20 short-term, 11 life, 9 funeral, 16 microinsurers, 10 reinsurers, 4 life reassurers; Insurance revenue 2025: ZWG 16.28 billion (+36%); Currencies: US dollar and ZiG (ZWG), ZiG25–27 per US$ in Q3 2026. Regulator: Insurance and Pensions Commission (https://ipec.co.zw/). Currency: USD and ZWG (ZiG). - Zimbabwe on Tulinde: 21 guides, 0 articles, 1 insurer profiles; latest review 2026-10-31. Quote requests: closed (Two rules stop us collecting quote requests in Zimbabwe for now. The Insurance Act [Chapter 24:07] defines an insurance broker as a person who "negotiates insurance business with insurers" on behalf of another person and an agent as one who "initiates insurance business" for an insurer; both must be registered with IPEC, and acting as a broker without registration is an offence (sections 3 and 35). And under S.I. 155 of 2024, anyone who processes personal information to "obtain a commercial gain or other benefit" must hold a data controller licence from the Data Protection Authority (POTRAZ) (sections 3 and 4), while the Cyber and Data Protection Act limits transfers of personal information outside Zimbabwe (sections 28–29). Until Tulinde holds a licence or works with a registered broker, we do not collect quote requests for Zimbabwe. The guides and free PDF guides stay open.). - Editorial rules: every fact comes from a primary source listed on the page; no invented price, rating, review or "best insurer"; insurer lists reproduce the regulator's list; each page has a short answer, sections, FAQ, sources and a review date. - Language: English (plus Kiswahili guides in Kenya and Tanzania). No account, no paywall. ## Country sites - [Insurance in Kenya: the rules, the insurers, your rights (tulinde.co.ke)](https://tulinde.co.ke/): Cap. 405 motor cover, SHA contributions, the 2026 list of licensed insurers and how to complain to IRA. - [Insurance in Uganda: the rules, the insurers, your rights (tulinde.co.ug)](https://tulinde.co.ug/): Motor third-party limits, the delayed national health scheme, the licensed insurers and the IRA Complaints Bureau. - [Insurance in Tanzania: the rules, the insurers, your rights (tulinde.co.tz)](https://tulinde.co.tz/): Compulsory motor cover under Cap. 169, the new universal health insurance, and the Insurance Ombudsman. - [Insurance in Ethiopia: the rules, the insurers, your rights (tulinde.africa)](https://tulinde.africa/et/): Proclamation 799/2013, the 18 NBE-licensed insurers, community-based health insurance and complaints to the NBE. - [Insurance in South Africa: the rules, the insurers, your rights (tulinde.co.za)](https://tulinde.co.za/): The Road Accident Fund, medical aid and PMBs, funeral cover, COIDA, the 162 licensed insurers and the free National Financial Ombud. - [Insurance in Botswana: the rules, the insurers, your rights (tulinde.africa)](https://tulinde.africa/bw/): NBFIRA and the Insurance Industry Act, the MVA Fund, BOMAID, Pula, BPOMAS and Botsogo, funeral cover, workers' compensation and complaints. - [Insurance in Ghana: NHIS, the NIC, motor cover and your rights (tulinde.africa)](https://tulinde.africa/gh/): NHIS and its *929# renewal, the 39 insurers licensed by the NIC, compulsory third-party motor cover, workmen's compensation and NIC complaints. - [Insurance in Malawi: the rules, the insurers, your rights (tulinde.africa)](https://tulinde.africa/mw/): The Registrar (RBM) and the Insurance Act, motor third party cover, MASM medical aid, workers' compensation, claim deadlines and complaints. - [Insurance in Namibia: the rules, the insurers, your rights (tulinde.africa)](https://tulinde.africa/na/): NAMFISA and the FIM Act, the MVA Fund, medical aid funds, funeral cover, SSC maternity and sick leave, and NAMFISA complaints. - [Insurance in Nigeria: NAICOM, NIID, NHIA and your rights (tulinde.africa)](https://tulinde.africa/ng/): Third-party motor cover and the NIID check, NHIA and HMOs, NSITF and group life, the NAICOM list and complaints. - [Insurance in Rwanda: mutuelle, RSSB, the insurers and your rights (tulinde.africa)](https://tulinde.africa/rw/): Mutuelle de santé and RSSB medical, the BNR's licensed insurers, motor third party, accident compensation and BNR complaints. - [Insurance in Zambia: NHIMA, the PIA, the insurers and your rights (tulinde.africa)](https://tulinde.africa/zm/): NHIMA (1% + 1%), compulsory third-party motor cover, 24 general and 9 long-term insurers licensed by the PIA, WCFCB and PIA complaints. - [Insurance in Zimbabwe: the rules, the insurers, your rights (tulinde.africa)](https://tulinde.africa/zw/): IPEC and the Insurance Act, third-party cover and ZINARA, CIMAS and PSMAS, funeral policies, NSSA and IPEC complaints. - [Tulinde Kenya: llms.txt](https://tulinde.co.ke/llms.txt) - [Tulinde Uganda: llms.txt](https://tulinde.co.ug/llms.txt) - [Tulinde Tanzania: llms.txt](https://tulinde.co.tz/llms.txt) - [Tulinde South Africa: llms.txt](https://tulinde.co.za/llms.txt) ## Ethiopia: Most searched - [Insurance in Ethiopia: the rules, the insurers, your rights](https://tulinde.africa/et/): How insurance works in Ethiopia: compulsory vehicle third-party insurance under Proclamation 799/2013, the 18 insurers supervised by the National Bank of Ethiopia, community-based health insurance, and how to complain. - [Insurance companies in Ethiopia: the list of all 18 licensed insurers](https://tulinde.africa/et/insurance-companies/): Insurance companies in Ethiopia: the list of all 18 licensed by the NBE, with the year each was established, life or general business, and how to check them. - [Insurance check in Ethiopia: how to verify third-party vehicle insurance](https://tulinde.africa/et/check-motor-insurance/): How to check third-party insurance in Ethiopia: the certificate (plate, chassis, dates), the windscreen sticker, and the insurer's 24-hour confirmation. - [How to complain about an insurer in Ethiopia: the NBE complaint office (complaintoffice@nbe.gov.et)](https://tulinde.africa/et/complaints/): Complain about an insurer in Ethiopia: the insurer has 10 business days, then the NBE complaint office — complaintoffice@nbe.gov.et, short code 6230 or the online form. What to prepare. - [Health insurance in Ethiopia: CBHI, social health insurance and private cover](https://tulinde.africa/et/health-insurance/): Health insurance in Ethiopia: community-based health insurance (CBHI), social health insurance (SHI) for employees, the EHIS, and private medical cover. - [Social health insurance in Ethiopia (SHI): who must join, who pays and where it stands in 2026](https://tulinde.africa/et/social-health-insurance/): Social health insurance (SHI) in Ethiopia: who must join under Proclamation 690/2010, who pays, what it covers, and the January 2026 start. - [Third-party insurance in Ethiopia: Proclamation 799/2013, cost and cover](https://tulinde.africa/et/motor-insurance/): Third-party insurance in Ethiopia, the compulsory car cover (Proclamation 799/2013): its cost (national tariff, NBE minimum rates), the sticker and the penalty. - [Life insurance in Ethiopia: a small market, what to know](https://tulinde.africa/et/life-insurance/): Life insurance in Ethiopia: 7.5% of premiums (ETB 3.1 billion with takaful, 2024/25), the types of policy, the 14 insurers that sell it and what to ask. - [Types of insurance in Ethiopia: what is compulsory, what is optional, and who sells it](https://tulinde.africa/et/types-of-insurance/): Types of insurance in Ethiopia: what is compulsory (vehicle third-party, social health insurance), what is optional, and who sells each cover. - [Travel insurance in Ethiopia: trips abroad, visas and the COMESA yellow card](https://tulinde.africa/et/travel-insurance/): Travel insurance in Ethiopia: who sells it, the €30,000 medical cover a Schengen visa requires, and the COMESA yellow card for driving abroad. ## Ethiopia: Vehicles - [Third-party vs comprehensive vehicle insurance in Ethiopia](https://tulinde.africa/et/third-party-vs-comprehensive/): What Ethiopia's compulsory third-party cover already includes, what only a comprehensive policy adds — your own vehicle — and how to compare quotes. ## Ethiopia: Home, business and travel - [Employment injury and business insurance in Ethiopia](https://tulinde.africa/et/business-insurance/): What Ethiopian employers owe after a work injury under Labour Proclamation 1156/2019 — liability regardless of fault, five times annual wages for total disablement or death — and why insurance matters. ## Ethiopia: Your rights - [Largest insurance companies in Ethiopia (30 June 2025), compared](https://tulinde.africa/et/largest-insurance-companies/): The 18 insurers of Ethiopia compared on the National Bank of Ethiopia's figures at 30 June 2025: capital and branch network. The regulator does not publish premium by company. - [Compare two insurers in Ethiopia](https://tulinde.africa/et/compare-insurers/): Pick any two of Ethiopia's 18 insurers and compare them on the National Bank of Ethiopia's figures at 30 June 2025: capital and branches. ## Ethiopia: Tools and calculators - [Ethiopia pension calculator: private-sector contributions (7% + 11%) and your pension](https://tulinde.africa/et/pension-calculator/): Pension deducted from an Ethiopian private-sector salary (7% you, 11% the employer) and your pension or gratuity at 60, from Proclamation 1268/2022. - [Insurance complaint deadlines in Ethiopia: when your insurer must answer, and when the NBE takes over](https://tulinde.africa/et/complaint-deadline-calculator/): The date your insurer must answer (10 business days), the day you can write to complaintoffice@nbe.gov.et, and the NBE's own deadline. - [Employment injury benefit calculator: what Ethiopia's private pension scheme pays after a work injury](https://tulinde.africa/et/employment-injury-benefit-calculator/): The incapacity pension or lump sum a private-sector employee gets after a work injury in Ethiopia: 47% of salary, or 47% × 60 × the degree of injury. - [Third-party insurance after an accident in Ethiopia: the surcharge and short-term premium calculator](https://tulinde.africa/et/third-party-insurance-surcharge-calculator/): How much your Ethiopian third-party premium rises after an accident (10% to 150% for 3 years) and what a policy under a year costs (minimum ETB 809). ## Ethiopia: Insurer profiles (licence, claim deadline, how to complain) - [Abay Insurance in Ethiopia](https://tulinde.africa/et/insurers/abay/) - [Africa Insurance in Ethiopia](https://tulinde.africa/et/insurers/africa-insurance/) - [Awash Insurance in Ethiopia](https://tulinde.africa/et/insurers/awash/) - [Berhan Insurance in Ethiopia](https://tulinde.africa/et/insurers/berhan/) - [Bunna Insurance in Ethiopia](https://tulinde.africa/et/insurers/bunna/) - [Ethio-Life & General Insurance in Ethiopia](https://tulinde.africa/et/insurers/ethio-life-general/) - [Ethiopian Insurance Corporation (EIC) in Ethiopia](https://tulinde.africa/et/insurers/ethiopian-insurance-corporation/) - [Global Insurance in Ethiopia](https://tulinde.africa/et/insurers/global-insurance/) - [Lion Insurance in Ethiopia](https://tulinde.africa/et/insurers/lion-insurance/) - [Lucy Insurance in Ethiopia](https://tulinde.africa/et/insurers/lucy/) - [National Insurance Company of Ethiopia in Ethiopia](https://tulinde.africa/et/insurers/national-insurance-ethiopia/) - [Nib Insurance in Ethiopia](https://tulinde.africa/et/insurers/nib/) - [Nile Insurance in Ethiopia](https://tulinde.africa/et/insurers/nile/) - [Nyala Insurance in Ethiopia](https://tulinde.africa/et/insurers/nyala/) - [Oromia Insurance in Ethiopia](https://tulinde.africa/et/insurers/oromia/) - [Tsehay Insurance in Ethiopia](https://tulinde.africa/et/insurers/tsehay/) - [United Insurance in Ethiopia](https://tulinde.africa/et/insurers/united-insurance/) - [Zemen Insurance in Ethiopia](https://tulinde.africa/et/insurers/zemen/) ## Ethiopia: Tools - [Compare insurance in Ethiopia](https://tulinde.africa/et/compare-insurance/) - [Free PDF guides for Ethiopia](https://tulinde.africa/et/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Ethiopia insurance blog](https://tulinde.africa/et/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Botswana: Most searched - [Insurance in Botswana: the rules, the insurers, your rights](https://tulinde.africa/bw/): Insurance in Botswana: medical aid (BOMAID, Pula, BPOMAS, Botsogo), the MVA Fund, NBFIRA-licensed insurers, life and funeral cover, complaints. - [Medical aid in Botswana: BOMAID, Pula, BPOMAS and Botsogo compared](https://tulinde.africa/bw/health-insurance/): The five medical aid funds registered with NBFIRA, who can join each one, their benefit options as each fund publishes them, waiting periods, and how to complain. - [BOMAID (Botswana Medical Aid Society): health plans, joining, contacts](https://tulinde.africa/bw/bomaid/): BOMAID, the Botswana Medical Aid Society: the health plans it lists (Access, Comprehensive, Executive, Prestige, International Student Health Plan), individual and corporate membership, waiting periods and offices. - [Pula Medical Aid Fund (Pulamed): benefit options and contacts](https://tulinde.africa/bw/pula-medical-aid/): Pula Medical Aid Fund (Pulamed): the benefit options it lists (Executive, Deluxe, Galaxy, Standard, Flexi), how to join, its offices in Gaborone and Francistown, and how to complain. - [BPOMAS: medical aid for Botswana Government employees](https://tulinde.africa/bw/bpomas/): BPOMAS, the Botswana Public Officers' Medical Aid Scheme: membership for all Government employees and pensioners, the Premium, High and Standard options, dependants, waiting periods and contacts. - [Licensed insurance companies in Botswana (2026 list)](https://tulinde.africa/bw/insurance-companies/): Every insurer and medical aid fund on NBFIRA's list: 9 life insurers, 11 general insurers, 6 reinsurers and 5 medical aid funds, alphabetical, with how to check a licence. - [NBFIRA: Botswana's insurance and medical aid regulator](https://tulinde.africa/bw/nbfira/): The Non-Bank Financial Institutions Regulatory Authority: what it supervises (insurers, medical aid funds, pension funds, capital markets, micro lenders), the Acts it applies, its contacts and its complaints procedure. - [MVA Fund Botswana: who is covered and how to claim after a road crash](https://tulinde.africa/bw/mva-fund/): What the Motor Vehicle Accident Fund pays after a road crash in Botswana (up to P1,000,000 per injured person, funeral expenses up to P7,500), the five-year limit, the documents and the offices. - [MVA Fund claim deadline calculator (Botswana)](https://tulinde.africa/bw/mva-claim-deadline-calculator/): Enter the date of the road crash: the last day to lodge an MVA Fund claim in Botswana — five years since the Amendment Act 2021 came into force on 1 December 2022 (three years before). - [Workers' compensation in Botswana: deadlines, forms and the employer's insurance](https://tulinde.africa/bw/workers-compensation/): The Workers' Compensation Act (Cap. 47:03): the worker reports within 10 days, the employer reports within 17 days on form BL 43/10, the claim is made within 12 months, and the employer must be insured. - [How to complain about an insurer or medical aid in Botswana (NBFIRA)](https://tulinde.africa/bw/complaints/): The NBFIRA complaints procedure: complain to the insurer or medical aid in writing, then to its Principal Officer, then to NBFIRA after 10 working days, then the Non-Bank Financial Institutions Tribunal. ## Botswana: Vehicles - [Car insurance in Botswana: the MVA Fund and voluntary motor cover](https://tulinde.africa/bw/motor-insurance/): Is car insurance compulsory in Botswana? What the MVA Fund covers through the fuel levy, what only a private motor policy pays, and how to check the insurer with NBFIRA. - [Third-party vs comprehensive car insurance in Botswana](https://tulinde.africa/bw/third-party-vs-comprehensive/): In Botswana, injuries to other people are the MVA Fund's job; a private policy decides who pays for damaged cars and property. How to compare a third-party policy and a comprehensive one. ## Botswana: Health and life - [Life insurance in Botswana: the 9 licensed life insurers and your rights](https://tulinde.africa/bw/life-insurance/): Life cover in Botswana: the nine life insurers on NBFIRA's list, what they wrote and paid in 2022, why policies lapse, the cooling-off period and how to complain. - [Funeral cover in Botswana: who may sell it and what to check](https://tulinde.africa/bw/funeral-cover/): Funeral policies in Botswana: issued by licensed life insurers, often sold through agents (funeral parlours, retailers, lenders), what to check, and the MVA Fund's funeral expenses after a road death. - [Botsogo Health Plan: options and contacts](https://tulinde.africa/bw/botsogo-health-plan/): Botsogo Health Plan, one of Botswana's five registered medical aid funds: the options it lists (Diamond, Platinum, Ruby, Bronze, Health4Me), its head office and how to complain. ## Botswana: Home, business and travel - [Home and property insurance in Botswana](https://tulinde.africa/bw/home-insurance/): Buildings and contents cover in Botswana: who may sell it, what to check in the policy, the grace period and cooling-off, and how to complain to NBFIRA. - [Business insurance in Botswana: licensed insurers and workers' compensation](https://tulinde.africa/bw/business-insurance/): Business cover in Botswana: the licensed general insurers and reinsurers, the duty of employers to insure their liability under the Workers' Compensation Act, and export credit insurance. - [Travel insurance for Botswana: visitors, foreign vehicles and the MVA Fund](https://tulinde.africa/bw/travel-insurance/): Visiting Botswana: what the MVA Fund covers for visitors (medical care only, while in Botswana), the levy on foreign-registered vehicles at the border (P150 for a car), and why travel insurance is still needed. ## Botswana: Your rights - [How to check an insurer, agent or broker in Botswana](https://tulinde.africa/bw/check-insurer/): Before you pay a premium in Botswana: find the insurer and the person selling the policy on NBFIRA's lists of licensed insurers, agents and brokers, or call NBFIRA. ## Botswana: Insurer profiles (licence, claim deadline, how to complain) - [Old Mutual in Botswana](https://tulinde.africa/bw/insurers/old-mutual/) - [Liberty in Botswana](https://tulinde.africa/bw/insurers/liberty/) - [Hollard in Botswana](https://tulinde.africa/bw/insurers/hollard/) - [Botswana Life in Botswana](https://tulinde.africa/bw/insurers/botswana-life/) - [Metropolitan in Botswana](https://tulinde.africa/bw/insurers/metropolitan/) ## Botswana: Tools - [Compare insurance in Botswana](https://tulinde.africa/bw/compare-insurance/) - [Free PDF guides for Botswana](https://tulinde.africa/bw/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Botswana insurance blog](https://tulinde.africa/bw/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Ghana: Most searched - [Insurance in Ghana: NHIS, the NIC, motor cover and your rights](https://tulinde.africa/gh/): Insurance in Ghana: NHIS registration and renewal by *929#, private health schemes, NIC-licensed insurers, motor cover and how to complain. - [NHIS renewal: renew by phone with *929# or the MyNHIS app](https://tulinde.africa/gh/nhis-renewal/): NHIS renewal code: dial *929#, option 2, to renew NHIS by phone, or option 1 to check it. The 3-month grace period and who renews in person. - [NHIS Ghana: how to register, get your card and what it covers](https://tulinde.africa/gh/nhis/): NHIS Ghana: how to register on the MyNHIS app or at a district office, who pays nothing, the one-month wait and what NHIS covers. - [The National Health Insurance Authority (NHIA): what it does and how to reach it](https://tulinde.africa/gh/nhia/): NHIA Ghana, the National Health Insurance Authority (Act 852): runs NHIS, credentials hospitals, pays claims, licenses private schemes. Contacts. - [Insurance companies in Ghana: the NIC list (2026)](https://tulinde.africa/gh/insurance-companies/): Every insurer on the National Insurance Commission's register in October 2026: 14 life insurers, 25 non-life insurers, 3 reinsurers and the licensed insurtechs — Enterprise, StarLife, SIC, Prudential, Old Mutual, GLICO, Vanguard, Donewell… - [The National Insurance Commission (NIC): Ghana's insurance regulator](https://tulinde.africa/gh/nic/): What the National Insurance Commission does under the Insurance Act, 2021: licenses insurers and intermediaries, supervises them, mediates complaints and runs the Motor Compensation, Client Rescue and Fire Control funds. Contacts and 2024 figures. - [Health insurance in Ghana: NHIS and the licensed private schemes](https://tulinde.africa/gh/health-insurance/): NHIS is compulsory; private health insurance comes on top. The 16 private schemes licensed by NHIA (Acacia, Apex, Cosmopolitan, Equity, Glico, Metropolitan, Nationwide, Premier…), what the law requires of them and how to check one. - [Car insurance in Ghana: what the law requires and how to buy it](https://tulinde.africa/gh/motor-insurance/): Motor insurance is compulsory in Ghana: at least third-party cover for every vehicle on a public road. The three levels of cover, the Ghana Card rule, the electronic sticker, the Motor Compensation Fund and how to claim. - [How to check a car's insurance in Ghana: *920*57#, the sticker and the NIC](https://tulinde.africa/gh/check-motor-insurance/): How to check that a vehicle in Ghana is insured: the NIC's Motor Insurance Database, the *920*57# short code with the registration number, and how to check the insurer and agent who sold the policy. - [Workmen's compensation calculator (Ghana)](https://tulinde.africa/gh/workmens-compensation-calculator/): Enter the monthly earnings and the outcome of the work injury: the compensation the Workmen's Compensation Act, 1987 sets (60 months' earnings on a death, 96 months' on permanent total incapacity, the Third Schedule percentage otherwise). - [Complaints against insurers in Ghana, company by company (NIC 2024)](https://tulinde.africa/gh/insurance-complaints-by-company/): The complaints the National Insurance Commission received in 2024 against each life and non-life insurer, how many it resolved and the reasons it printed — from Tables 12 and 13 of the NIC Annual Report 2024. ## Ghana: Vehicles - [Third-party vs comprehensive car insurance in Ghana](https://tulinde.africa/gh/third-party-vs-comprehensive/): Third-party, third-party fire and theft, or comprehensive: what each level of motor cover pays in Ghana, the GH₵7,000 minimum limit the NIC quotes, the excess and betterment, and the questions to ask before you choose. ## Ghana: Health and life - [Life insurance in Ghana: types of policy, your rights and the 14 life insurers](https://tulinde.africa/gh/life-insurance/): The life policies sold in Ghana (term, funeral, credit life, whole life, endowment, unit-linked, annuities), the 14 life insurers licensed by the NIC, and the surrender, maturity and deduction problems behind most complaints. - [Funeral cover in Ghana: how funeral policies work and how to get paid](https://tulinde.africa/gh/funeral-cover/): A funeral policy is a form of term life insurance sold by Ghana's licensed life insurers. What it pays, who can be covered, the documents for a claim and what to do when a funeral claim is delayed. ## Ghana: Home, business and travel - [Home and building insurance in Ghana: household cover and the compulsory commercial building insurance](https://tulinde.africa/gh/home-insurance/): Household insurance in Ghana (building, contents, liability, loss of use) and the compulsory insurance of commercial buildings — offices, malls, factories, hospitals — under sections 218 and 219 of the Insurance Act, 2021. - [Business insurance in Ghana: the covers the law requires](https://tulinde.africa/gh/business-insurance/): The insurances a Ghanaian business must hold under the Insurance Act, 2021: public liability, professional indemnity, commercial building and marine cargo insurance, plus the employer's liability for work injuries and NHIS registration of staff. - [Travel insurance from Ghana: Schengen visa cover and what policies include](https://tulinde.africa/gh/travel-insurance/): Travel insurance bought in Ghana: what the NIC says it covers, the EU rule of €30,000 medical cover for a Schengen visa, and how to check the insurer before you pay. - [Workmen's compensation in Ghana: what the employer owes after a work injury](https://tulinde.africa/gh/workmens-compensation/): Under the Workmen's Compensation Act, 1987 (PNDCL 187) the employer pays 60 months' earnings on a death, 96 months' on permanent total incapacity, a share for partial incapacity, and medical costs. Deadlines, exclusions and the schedule of injuries. ## Ghana: Your rights - [How to complain about an insurer in Ghana: the NIC Complaints Hub](https://tulinde.africa/gh/complaints/): How to complain about an insurer, broker or agent in Ghana: write to the company first, then file with the National Insurance Commission on its Complaints Hub. What to include, what the NIC can do, and the 2024 figures. - [Your rights as a policyholder in Ghana](https://tulinde.africa/gh/policyholder-rights/): What every policyholder in Ghana is entitled to according to the National Insurance Commission: the policy in a language you understand, a clear explanation of cover, a written reason for a rejected claim, the right to complain and data protection. - [Check an insurer, agent or broker in Ghana before you pay](https://tulinde.africa/gh/check-insurer/): How to check that an insurance company, broker, agent or insurtech is licensed by the National Insurance Commission, why it matters under Act 1061, and the public notices of unlicensed brokers. ## Ghana: Insurer profiles (licence, claim deadline, how to complain) - [Sanlam Allianz in Ghana](https://tulinde.africa/gh/insurers/sanlam-allianz/) - [Old Mutual in Ghana](https://tulinde.africa/gh/insurers/old-mutual/) - [Prudential in Ghana](https://tulinde.africa/gh/insurers/prudential/) - [Turaco in Ghana](https://tulinde.africa/gh/insurers/turaco/) - [Enterprise in Ghana](https://tulinde.africa/gh/insurers/enterprise/) - [StarLife in Ghana](https://tulinde.africa/gh/insurers/starlife/) - [SIC in Ghana](https://tulinde.africa/gh/insurers/sic/) ## Ghana: Tools - [Compare insurance in Ghana](https://tulinde.africa/gh/compare-insurance/) - [Free PDF guides for Ghana](https://tulinde.africa/gh/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Ghana insurance blog](https://tulinde.africa/gh/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Malawi: Most searched - [Insurance in Malawi: the rules, the insurers, your rights](https://tulinde.africa/mw/): Insurance in Malawi: MASM and medical aid, compulsory motor third party cover, licensed insurers, workers' compensation and how to complain. - [MASM medical aid: schemes, monthly contributions and how to join (2026)](https://tulinde.africa/mw/masm/): Medical Aid Society of Malawi (MASM): the VIP, Executive, Econoplan and senior citizen schemes and their monthly contributions as MASM publishes them, benefit limits, funeral cover, how to join and the 90-day termination rule. - [Insurance companies in Malawi: the Registrar's list (June 2026)](https://tulinde.africa/mw/insurance-companies/): Every insurer licensed in Malawi on the Registrar of Financial Institutions' list as at 30 June 2026: 8 general insurers, 6 life insurers, an inclusive insurer and a reinsurer, and how to check them. - [Health insurance in Malawi: public care, medical aid and private cover](https://tulinde.africa/mw/health-insurance/): How health care is paid for in Malawi: the free health benefit package in public facilities, medical aid (MASM) and medical insurance, what the Ministry of Health plans, and how to choose a scheme. - [Check an insurer, broker or agent in Malawi](https://tulinde.africa/mw/check-insurer/): How to check that an insurer, broker, agent or bancassurance agent is licensed in Malawi: the Registrar of Financial Institutions' list of 30 June 2026, the 32 licensed brokers, and the offences for unlicensed sellers. - [The Reserve Bank of Malawi and the Insurance Act: who regulates insurance](https://tulinde.africa/mw/reserve-bank-of-malawi/): Who regulates insurance in Malawi: the Registrar of Financial Institutions (the Governor of the Reserve Bank), the Insurance Act 2010, the Financial Services Act 2010, the directives that protect policyholders and the 2026 directives. - [Car insurance in Malawi: what the Road Traffic Act requires](https://tulinde.africa/mw/motor-insurance/): Is car insurance compulsory in Malawi? What section 141 of the Road Traffic Act requires, the motor covers insurers are licensed to sell, how premiums must be priced and who sells motor insurance. - [How to complain about an insurer in Malawi](https://tulinde.africa/mw/complaints/): How to complain about an insurer, broker or agent in Malawi: the deadlines of the Complaints Handling Directive 2024 (2, 10 or 30 working days), the appeal to the Registrar at the Reserve Bank of Malawi and its contacts. - [Insurance claims in Malawi: the steps and deadlines your insurer must meet](https://tulinde.africa/mw/insurance-claims/): How an insurance claim works in Malawi under the Insurance (Claims Management) Directive, 2014: 5 working days to acknowledge, investigations, 7 working days to the discharge, payment, claim settling agents and fines. - [Workers' compensation in Malawi: what the employer owes and how to claim](https://tulinde.africa/mw/workers-compensation/): Malawi's Workers' Compensation Act: who is covered, what is paid for death or incapacity, medical expenses, the 21-day employer report, the 12-month claim deadline and the Workers' Compensation Fund. - [Workers' compensation calculator (Malawi)](https://tulinde.africa/mw/workers-compensation-calculator/): Enter monthly earnings: the compensation the Workers' Compensation Act gives for a death (42 months), permanent total incapacity (54 months) or a scheduled injury (First Schedule %). ## Malawi: Vehicles - [Third party, third party fire and theft or comprehensive? Motor cover in Malawi](https://tulinde.africa/mw/third-party-vs-comprehensive/): The four motor sub-classes of Malawi's Classes of Insurance Business Directive (Act, third party, third party fire and theft, comprehensive): what each pays, what the law requires and how to choose. - [How to check a motor insurance certificate in Malawi](https://tulinde.africa/mw/check-motor-insurance/): How to check that a motor insurance certificate in Malawi is genuine: what section 151 of the Road Traffic Act requires, how to check the insurer and the agent, the COMESA Yellow Card, and false certificates. - [Minibus, taxi and truck insurance in Malawi](https://tulinde.africa/mw/commercial-vehicle-insurance/): Insurance for minibuses, taxis, buses and trucks in Malawi: the motor — commercial class, the passengers a policy must cover when they pay, void restrictions in public service vehicles and goods in transit. ## Malawi: Health and life - [Life insurance in Malawi: licensed life insurers, policy types and your rights](https://tulinde.africa/mw/life-insurance/): Life insurance in Malawi: the 6 licensed life insurers (June 2026), the classes they may sell (term, whole life, endowment, group, annuities, critical illness), the key facts statement and the 10-working-day cooling-off. - [Funeral cover in Malawi: who may sell it and what to check](https://tulinde.africa/mw/funeral-cover/): Funeral insurance in Malawi: group funeral life assurance, the licence a funeral insurance provider needs, funeral benefits inside medical aid, the workers' compensation burial rule and how to check a policy. ## Malawi: Home, business and travel - [Home insurance in Malawi: buildings, contents and householders' cover](https://tulinde.africa/mw/home-insurance/): Home insurance in Malawi: the domestic fire class (buildings, householders' contents, comprehensive packages), burglary and all risks cover, who sells it and what to check in the policy. - [Business insurance in Malawi: workers' compensation, property and liability](https://tulinde.africa/mw/business-insurance/): Insurance for businesses in Malawi: the employer's liability under the Workers' Compensation Act, fire and industrial cover, liability, engineering, goods and cash in transit, fidelity guarantee and agricultural cover. - [Travel insurance in Malawi: visitors, residents abroad and the COMESA Yellow Card](https://tulinde.africa/mw/travel-insurance/): Travel and visitor insurance in Malawi: the health insurance short-stay visitors need under the Ministry of Health plan, motor cover for cross-border driving (COMESA Yellow Card) and buying cover from a licensed insurer. ## Malawi: Your rights - [Your rights as a policyholder in Malawi](https://tulinde.africa/mw/policyholder-rights/): Your rights when you buy and use insurance in Malawi: the key facts statement, the 10-working-day cooling-off on life policies, plain contracts in English or Chichewa, free statements, claim deadlines and complaints. ## Malawi: Tools and calculators - [Insurance claim timeline calculator (Malawi)](https://tulinde.africa/mw/claim-timeline-calculator/): Enter the date you reported a claim: the working-day deadlines the Insurance (Claims Management) Directive, 2014 gives your insurer, from the acknowledgement to the payment after the discharge. ## Malawi: Insurer profiles (licence, claim deadline, how to complain) - [Britam in Malawi](https://tulinde.africa/mw/insurers/britam/) - [Old Mutual in Malawi](https://tulinde.africa/mw/insurers/old-mutual/) - [NICO in Malawi](https://tulinde.africa/mw/insurers/nico/) - [Prime Insurance in Malawi](https://tulinde.africa/mw/insurers/prime/) ## Malawi: Tools - [Compare insurance in Malawi](https://tulinde.africa/mw/compare-insurance/) - [Free PDF guides for Malawi](https://tulinde.africa/mw/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Malawi insurance blog](https://tulinde.africa/mw/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Namibia: Most searched - [Insurance in Namibia: the rules, the insurers, your rights](https://tulinde.africa/na/): Insurance in Namibia: medical aid funds, the MVA Fund, SSC benefits, NAMFISA-registered insurers, life and funeral cover, how to complain. - [The MVA Fund: how to claim after a road accident in Namibia](https://tulinde.africa/na/mva-fund/): What the Motor Vehicle Accident Fund pays after a road accident in Namibia (medical care up to N$1.5 million, injury grant, loss of income, N$7,000 funeral grant), the one-year deadline and how to claim. - [Registered insurance companies in Namibia (2026 list)](https://tulinde.africa/na/insurance-companies/): Every insurer and medical aid fund on NAMFISA's register in October 2026: 14 short-term insurers, 15 long-term insurers, 7 medical aid funds, NamibRe and Lloyd's. - [NAMFISA and the Financial Institutions and Markets Act (FIMA)](https://tulinde.africa/na/namfisa/): What NAMFISA does, the Financial Institutions and Markets Act 2 of 2021 in force since 1 May 2026, the laws it replaced, and the size of the sector NAMFISA supervises. - [Medical aid in Namibia: funds, members and your rights](https://tulinde.africa/na/health-insurance/): How health cover works in Namibia: the medical aid funds registered with NAMFISA, how many people they cover, what they spend, the brokers who sell them and how to complain. - [Social Security Commission (SSC) Namibia: maternity leave, sick leave and death benefits](https://tulinde.africa/na/social-security-benefits/): The Social Security Commission's MSD Fund: 0.9% from the employee and 0.9% from the employer, maternity leave at 100% of basic wage up to N$20,000, sick leave pay and the N$15,000 death benefit. - [How to complain about an insurer in Namibia (NAMFISA)](https://tulinde.africa/na/complaints/): Complain to the insurer in writing, then to NAMFISA's Complaints Department: phone, toll-free number, e-mail, address, what to send, and the complaint figures per industry. - [Funeral cover in Namibia: policies, payouts and public grants](https://tulinde.africa/na/funeral-cover/): How funeral policies work in Namibia (long-term insurance under FIMA), how fast NAMFISA says insurers pay, the age limits to check, and the funeral grants of the MVA Fund and the SSC. - [Car insurance in Namibia: the MVA Fund and voluntary motor cover](https://tulinde.africa/na/motor-insurance/): Is car insurance compulsory in Namibia? What the MVA Fund covers for free, what only a private motor policy pays, why motor claims are rejected and how to check the insurer. - [MVA Fund claim deadline calculator (Namibia)](https://tulinde.africa/na/mva-claim-deadline-calculator/): Enter the date of the road accident: the last day to lodge an MVA Fund claim (one year, section 34 of the MVA Act), the two-year limit once lodged, and the 14-day accident report. - [SSC contribution and maternity benefit calculator (Namibia)](https://tulinde.africa/na/msd-calculator/): Enter a monthly basic wage: the MSD contribution to the Social Security Commission (0.9% employee + 0.9% employer, wage capped at N$12,500 from 1 September 2026) and the maternity leave pay (100% up to N$20,000). ## Namibia: Vehicles - [Third-party vs comprehensive car insurance in Namibia](https://tulinde.africa/na/third-party-vs-comprehensive/): In Namibia, injury to third parties is the MVA Fund's job; a private policy decides who pays for damaged cars and property. How to compare a third-party policy and a comprehensive one. ## Namibia: Health and life - [Life insurance in Namibia: insurers, lapses and your rights](https://tulinde.africa/na/life-insurance/): Life cover in Namibia: the 15 long-term insurers registered with NAMFISA, what long-term insurance covers, why policies lapse and how to complain. ## Namibia: Home, business and travel - [Home and property insurance in Namibia](https://tulinde.africa/na/home-insurance/): Insuring a house and its contents in Namibia: the short-term insurers registered with NAMFISA, NASRIA's riot and strike cover, and the rights NAMFISA lists before you sign. - [Business insurance and employees' compensation in Namibia](https://tulinde.africa/na/business-insurance/): What a Namibian employer must know: the Employees' Compensation Fund run by the SSC, reporting a workplace accident, MSD contributions, and NASRIA cover for riot and strike damage. - [Travel insurance for Namibia: visitors, drivers and the MVA Fund](https://tulinde.africa/na/travel-insurance/): Visiting or driving in Namibia: health and travel insurance on the visa-on-arrival checklist, what the MVA Fund pays a visitor after a road accident, and the cross-border charge for foreign vehicles. ## Namibia: Your rights - [How to check an insurer, agent or broker in Namibia](https://tulinde.africa/na/check-insurer/): Before you pay a premium in Namibia: check the insurer and the agent or broker on NAMFISA's register, the deregistered list and the toll-free line, and what the FIM Act says about unregistered intermediaries. ## Namibia: Insurer profiles (licence, claim deadline, how to complain) - [Sanlam Allianz in Namibia](https://tulinde.africa/na/insurers/sanlam-allianz/) - [Old Mutual in Namibia](https://tulinde.africa/na/insurers/old-mutual/) - [Liberty in Namibia](https://tulinde.africa/na/insurers/liberty/) ## Namibia: Tools - [Compare insurance in Namibia](https://tulinde.africa/na/compare-insurance/) - [Free PDF guides for Namibia](https://tulinde.africa/na/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Namibia insurance blog](https://tulinde.africa/na/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Nigeria: Most searched - [Insurance in Nigeria: NAICOM, NIID, NHIA and your rights](https://tulinde.africa/ng/): Insurance in Nigeria: the askNIID motor check, NHIA and HMOs, NSITF and group life for employers, NAICOM-licensed insurers and complaints. - [How to verify motor insurance on NIID (askniid.org and *565*11#)](https://tulinde.africa/ng/niid-check/): askNIID: check a motor insurance certificate on the NIID at askniid.org or by dialling *565*11#, and what to do if your policy is not found. - [HMOs in Nigeria: the NHIA list (Reliance, Hygeia, Leadway Health, AXA Mansard Health, Avon…)](https://tulinde.africa/ng/hmo-list/): List of HMOs in Nigeria: the NHIA-accredited list (94 entries, October 2026), contacts for Reliance, Hygeia, Leadway Health, and how to choose. - [NHIA: the National Health Insurance Authority (formerly NHIS)](https://tulinde.africa/ng/nhia/): NHIA Nigeria (formerly NHIS): what the NHIA Act 2022 changed, the enrolment portal, accredited HMOs, the Vulnerable Group Fund and contacts. - [NHIA registration: how to enrol (individual, family, group, employer)](https://tulinde.africa/ng/nhia-registration/): NHIA (NHIS) registration: GIFSHIP for individuals and families (₦22,000 a year, ₦1,500 ID card, NIN), the employer programme and renewal. - [Insurance companies in Nigeria: the 2026 NAICOM list](https://tulinde.africa/ng/insurance-companies/): The 48 insurers and 2 reinsurers NAICOM confirmed after the 2026 recapitalisation (28 non-life, 12 life, 8 composite), plus takaful and microinsurance companies, alphabetical, with how to check one. - [NAICOM and the Nigerian Insurance Industry Reform Act 2025 (NIIRA)](https://tulinde.africa/ng/naicom/): The National Insurance Commission, the Insurance Industry Reform Act 2025 that replaced the Insurance Act 2003, the 2026 recapitalisation, the market in figures and how to reach NAICOM. - [NSITF registration and the Employees' Compensation Scheme](https://tulinde.africa/ng/nsitf-employee-compensation/): How employers register with NSITF online, pay 1% of total monthly payroll, get and verify a certificate of compliance, and how injured workers claim under the Employee's Compensation Act 2010. - [Car insurance in Nigeria: compulsory third-party cover, prices and your rights](https://tulinde.africa/ng/motor-insurance/): Motor insurance in Nigeria: third-party cover is compulsory under the Insurance Industry Reform Act 2025, NAICOM fixes its price (₦15,000 for a private car), how to verify a certificate on NIID and what comprehensive adds. - [Third-party and comprehensive car insurance price in Nigeria (NAICOM rates)](https://tulinde.africa/ng/motor-insurance-calculator/): Pick the vehicle type: the third-party premium NAICOM fixed (₦15,000 for a private car, ₦3,000 for a motorcycle…), the property damage limit, and the 5% floor for comprehensive cover. - [How to complain about an insurer in Nigeria (NAICOM)](https://tulinde.africa/ng/complaints/): Complain to the insurer first, then to NAICOM: complaints@naicom.gov.ng or the online form, the documents NAICOM asks for, and its service times (7 days for simple complaints, 90 days for complex ones). ## Nigeria: Vehicles - [Third-party vs comprehensive car insurance in Nigeria](https://tulinde.africa/ng/third-party-vs-comprehensive/): Third-party (compulsory, ₦15,000 for a private car, other people's property up to ₦3 million) or comprehensive (your own car too, at least 5% of its value): what each covers in Nigeria and how to choose. ## Nigeria: Health and life - [Health insurance in Nigeria: NHIA, HMOs and state schemes](https://tulinde.africa/ng/health-insurance/): How health insurance works in Nigeria: the NHIA Act 2022 makes it mandatory, employers pay 10% and employees 5% of basic salary, HMOs manage care, states run their own schemes, and private plans sit on top. - [Life insurance in Nigeria: licensed life insurers, group life and your rights](https://tulinde.africa/ng/life-insurance/): Who may sell life insurance in Nigeria (12 life and 8 composite insurers met NAICOM's new capital rules), compulsory group life for employees, what life premiums the market writes and how to claim. - [State health insurance schemes in Nigeria (LASHMA, FHIS, KSCHMA…)](https://tulinde.africa/ng/state-health-insurance/): Every state may run a health insurance or contributory scheme under section 13 of the NHIA Act 2022. The state agencies NHIA lists (LASHMA in Lagos, FHIS in the FCT, KSCHMA in Kano…) and free cover for vulnerable people. - [Group life insurance in Nigeria: what every employer must buy](https://tulinde.africa/ng/group-life-insurance/): The Pension Reform Act 2014 requires every employer to insure each employee's life for at least three times annual total emolument. The NAICOM-PenCom rules: premium, certificate, claims in 90 days, what happens if the employer did not insure. ## Nigeria: Home, business and travel - [Business insurance in Nigeria: the covers the law requires](https://tulinde.africa/ng/business-insurance/): What a Nigerian business must insure: the Employees' Compensation Scheme (1% of payroll to NSITF), group life for staff, third-party motor for vehicles, health insurance for 5+ staff, and the liability covers NIID verifies. - [Travel insurance and the ECOWAS Brown Card in Nigeria](https://tulinde.africa/ng/travel-insurance/): Driving to another ECOWAS country: the Brown Card now comes free with every Nigerian motor policy (NAICOM directive, July 2026). Travel insurance for trips abroad, who sells it and what to check. ## Nigeria: Your rights - [How to check an insurer, broker or HMO in Nigeria](https://tulinde.africa/ng/check-insurer/): Before you pay a premium in Nigeria: check the insurer on NAICOM's lists and its 2026 recapitalisation notices, the broker on NAICOM's broker list, the HMO on NHIA's list, and the motor certificate on NIID. - [AXA Mansard Insurance: licence, products, contacts and claims](https://tulinde.africa/ng/axa-mansard/): AXA Mansard Insurance Plc is a NAICOM-licensed composite insurer (LIC 021). Its products, phone and e-mail, how to make a motor claim, how to complain, and its HMO, AXA Mansard Health. - [Leadway Assurance: licence, products, contacts and claims](https://tulinde.africa/ng/leadway/): Leadway Assurance Company Limited is a NAICOM-licensed composite insurer (LIC 002). Its products, phone lines, claims timelines it publishes, and Leadway Health, its NHIA-accredited HMO. - [AIICO Insurance: licence, products, contacts and claims](https://tulinde.africa/ng/aiico/): AIICO Insurance Plc is a NAICOM-licensed composite insurer (LIC 006) at Plot PC 12, Churchgate Street, Victoria Island. Its products, contacts, how to claim, and AIICO Multishield, its HMO. ## Nigeria: Tools and calculators - [NSITF contribution and group life minimum calculator (Nigeria)](https://tulinde.africa/ng/employer-insurance-calculator/): Enter your monthly payroll and an employee's annual pay: the NSITF Employees' Compensation contribution (1% of total monthly payroll) and the minimum group life cover (3 times annual total emolument). ## Nigeria: Insurer profiles (licence, claim deadline, how to complain) - [Prudential in Nigeria](https://tulinde.africa/ng/insurers/prudential/) - [Turaco in Nigeria](https://tulinde.africa/ng/insurers/turaco/) ## Nigeria: Tools - [Compare insurance in Nigeria](https://tulinde.africa/ng/compare-insurance/) - [Free PDF guides for Nigeria](https://tulinde.africa/ng/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Nigeria insurance blog](https://tulinde.africa/ng/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Rwanda: Most searched - [Insurance in Rwanda: mutuelle, RSSB, the insurers and your rights](https://tulinde.africa/rw/): Insurance in Rwanda: mutuelle de santé (CBHI), RSSB medical insurance, BNR-licensed insurers, compulsory motor cover and how to complain. - [Mutuelle de santé (CBHI) in Rwanda: categories, amounts and how to pay on Irembo](https://tulinde.africa/rw/mutuelle-de-sante/): Mutuelle de santé (CBHI) 2026: amounts by category (4,000 to 20,000 Frw a person a year), who must join, and how to pay on Irembo or *909#. - [RSSB medical insurance (RAMA): cover, contributions and how employers join](https://tulinde.africa/rw/rssb-medical-insurance/): RSSB medical insurance (RAMA) in Rwanda: 15% of basic salary (7.5% + 7.5%), RSSB pays 85% of eligible costs, pensioners, how employers join. - [Licensed insurance companies in Rwanda (BNR list)](https://tulinde.africa/rw/insurance-companies/): Every insurer on the National Bank of Rwanda's list: 12 private insurers (Britam, MUA, Old Mutual, Prime, Radiant, Sanlam Allianz, SONARWA…), RSSB and MMI, Radiant Yacu, DCIC, Eden Care and Ubuzima Bwiza. - [Health insurance in Rwanda: mutuelle, RSSB, MMI and private cover](https://tulinde.africa/rw/health-insurance/): Which health insurance applies to you in Rwanda: mutuelle de santé (CBHI), the RSSB medical scheme (RAMA), Military Medical Insurance, or private cover from a licensed insurer or HMO. - [Mutuelle de santé (CBHI) contribution calculator](https://tulinde.africa/rw/mutuelle-calculator/): Pick your contribution category and the number of people in your household: what the household pays for mutuelle de santé (CBHI) for the year, and what the Government pays, from RSSB's published amounts. - [Road accident compensation in Rwanda and the Special Guarantee Fund](https://tulinde.africa/rw/road-accident-compensation/): Law n° 029/2025 on accident compensation: who pays (the insurer or the Special Guarantee Fund), what victims and families receive, the 3,000 Frw a day rule, deadlines for uninsured accidents and impoundment. - [How to complain about an insurer in Rwanda (BNR)](https://tulinde.africa/rw/complaints/): Complain to the insurer in writing first, then to the National Bank of Rwanda through the INTUMWA chatbot, WhatsApp +250 791 700 721 or SMS 6005. What to include and your deadlines. - [The National Bank of Rwanda and the insurance law (Law n° 030/2021)](https://tulinde.africa/rw/bnr-insurance-regulation/): How insurance is regulated in Rwanda: the National Bank of Rwanda as sole supervisor, Law n° 030/2021 governing the organisation of insurance business, licensing, market conduct and policyholder protection. - [Your rights as a policyholder in Rwanda: claims, deadlines, cancellation](https://tulinde.africa/rw/policyholder-rights/): What Law n° 030/2021 gives policyholders in Rwanda: report within 5 working days, a written reason for any rejection within 10 working days, payment within one month, 5 years to sue, cancellation notice. - [Eden Care in Rwanda: the licensed health maintenance organisation (HMO)](https://tulinde.africa/rw/eden-care/): Eden Care Healthcare (Rwanda) Limited: the only health maintenance organisation on the BNR list (licensed 2022), what an HMO is under the insurance law, and what Eden Care says it offers. ## Rwanda: Vehicles - [Motor insurance in Rwanda: compulsory third-party cover and what it pays](https://tulinde.africa/rw/motor-insurance/): Motor insurance in Rwanda: compulsory third-party liability, what Law n° 029/2025 on accident compensation changes, the Special Guarantee Fund for uninsured vehicles, and how to check the insurer. - [Third-party vs comprehensive motor insurance in Rwanda](https://tulinde.africa/rw/third-party-vs-comprehensive/): The difference between compulsory third-party liability and comprehensive motor cover in Rwanda, what each pays under Law n° 029/2025, and what to check in the policy. ## Rwanda: Health and life - [Life insurance in Rwanda: your rights under the insurance law](https://tulinde.africa/rw/life-insurance/): Long-term (life) insurance in Rwanda: the licensed life insurers, naming a beneficiary, surrender value after three years, the suicide clause, termination notice and funeral cover. - [Military Medical Insurance (MMI) in Rwanda](https://tulinde.africa/rw/military-medical-insurance/): Military Medical Insurance (MMI): the public medical insurer of Rwanda Defence Force members and their dependants under Law n° 036/2022, its place on the BNR list and its contacts. - [Maternity leave benefits in Rwanda: 14 weeks on full salary, RSSB refund](https://tulinde.africa/rw/maternity-leave-benefits/): RSSB's Maternity Leave Benefits scheme: 14 weeks on full salary, the employer claims back the last eight weeks from RSSB on Ishema, the documents and the 30-day payment rule. ## Rwanda: Home, business and travel - [Business insurance in Rwanda: staff schemes and the cover you buy](https://tulinde.africa/rw/business-insurance/): What a business in Rwanda deals with: RSSB occupational hazards, maternity and medical schemes for staff, motor third party for vehicles, and property, liability, marine and guarantee cover from licensed insurers. - [Travel and cross-border motor insurance in Rwanda (COMESA Yellow Card)](https://tulinde.africa/rw/travel-insurance/): Driving across Rwanda's borders: the COMESA Yellow Card for third-party cover in 13 countries, what local schemes do not cover abroad, and buying travel insurance from a licensed insurer. - [Occupational hazards scheme (work injury) in Rwanda: RSSB benefits](https://tulinde.africa/rw/occupational-hazards/): RSSB's occupational hazards scheme: who is covered (at work, commuting, on assignment), 75% of daily earnings in temporary incapacity, 85% pension in permanent incapacity, survivors' allowances and how to claim. ## Rwanda: Your rights - [Check an insurer, agent or broker in Rwanda](https://tulinde.africa/rw/check-insurer/): How to check that an insurer, broker or agent is licensed by the National Bank of Rwanda before you pay, why you never pay premiums to an intermediary, and the penalty for unlicensed insurance business. - [Licensed insurance brokers in Rwanda (BNR list, April 2026)](https://tulinde.africa/rw/insurance-brokers/): The 17 insurance brokers and 3 reinsurance brokers on the National Bank of Rwanda's list of April 2026, what a broker does and the rules that protect you. ## Rwanda: Tools and calculators - [RSSB medical insurance (RAMA) contribution calculator](https://tulinde.africa/rw/rssb-medical-contribution-calculator/): Enter a monthly basic salary or a monthly pension: the RSSB medical scheme (RAMA) contribution of the employee and of the employer (7.5% each), or the 7.5% a pensioner pays to keep the cover. ## Rwanda: Insurer profiles (licence, claim deadline, how to complain) - [Britam in Rwanda](https://tulinde.africa/rw/insurers/britam/) - [Sanlam Allianz in Rwanda](https://tulinde.africa/rw/insurers/sanlam-allianz/) - [MUA in Rwanda](https://tulinde.africa/rw/insurers/mua/) - [Old Mutual in Rwanda](https://tulinde.africa/rw/insurers/old-mutual/) - [Mayfair in Rwanda](https://tulinde.africa/rw/insurers/mayfair/) - [Radiant in Rwanda](https://tulinde.africa/rw/insurers/radiant/) - [Prime Insurance in Rwanda](https://tulinde.africa/rw/insurers/prime-insurance/) - [SONARWA in Rwanda](https://tulinde.africa/rw/insurers/sonarwa/) ## Rwanda: Tools - [Compare insurance in Rwanda](https://tulinde.africa/rw/compare-insurance/) - [Free PDF guides for Rwanda](https://tulinde.africa/rw/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Rwanda insurance blog](https://tulinde.africa/rw/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Zambia: Most searched - [Insurance in Zambia: NHIMA, the PIA, the insurers and your rights](https://tulinde.africa/zm/): Insurance in Zambia: NHIMA registration and contributions, third-party motor cover, the 33 PIA-licensed insurers for 2026, how to complain. - [NHIMA registration: who must register and how (2026)](https://tulinde.africa/zm/nhima-registration/): NHIMA registration in Zambia: who must register, how employers and the self-employed register on eNHIMA, adding a spouse and 5 children, 1% + 1%. - [eNHIMA portal: log in, pay and check your NHIMA status](https://tulinde.africa/zm/nhima-portal-login/): NHIMA login: the official eNHIMA portal is enhima.nhima.co.zm. Register, pay, add beneficiaries, and check your status by mobile money on *115#. - [NHIMA benefits: what the scheme pays, your card and complaints](https://tulinde.africa/zm/nhima-benefits/): NHIMA benefits: what the scheme covers in Zambia (maternity, surgery, medicines, spectacles), what it excludes, and how to use your card. - [NHIMA contribution calculator (Zambia)](https://tulinde.africa/zm/nhima-contribution-calculator/): Enter a monthly basic salary or a declared income: the NHIMA contribution of the employee and the employer (1% each of basic salary), or of a self-employed member (1% of declared income), due by the 10th of the following month. - [Licensed insurance companies in Zambia (PIA list 2026)](https://tulinde.africa/zm/insurance-companies/): Every insurer licensed by the Pensions and Insurance Authority for 2026: 24 general insurers, 9 long-term insurers and 5 reinsurers, with each one's share of premiums as published by the PIA. - [The Pensions and Insurance Authority (PIA) and the Insurance Act 2021](https://tulinde.africa/zm/pia/): What Zambia's Pensions and Insurance Authority does, the Insurance Act No. 38 of 2021 it administers, the market it supervises (K10.5 billion of premiums in 2025) and how to reach it. - [Car insurance in Zambia: what the law requires](https://tulinde.africa/zm/motor-insurance/): Third-party motor insurance is compulsory in Zambia under the Road Traffic Act 2002: the minimum cover, the fine, the insurance disc, what RTSA asks for, and what to do after an accident. - [Workers' compensation in Zambia (WCFCB): claims and employer duties](https://tulinde.africa/zm/workers-compensation/): How the Workers' Compensation Fund Control Board compensates work accidents and diseases in Zambia: who is covered, the 3-day employer report, the 12-month claim deadline, commuting accidents and employer registration. - [Check an insurer, broker or agent in Zambia](https://tulinde.africa/zm/check-insurer/): How to check that a Zambian insurer, broker, agent, claims agent or assessor holds a PIA licence for 2026, what the list contains, and what to do if a seller is not on it. - [How to complain about an insurer in Zambia (PIA)](https://tulinde.africa/zm/complaints/): Complain to the insurer first, then to the Registrar of the Pensions and Insurance Authority: what the PIA handles, what to send, the address, phone and e-mail, and the one-year limit. ## Zambia: Vehicles - [Third-party vs comprehensive car insurance in Zambia](https://tulinde.africa/zm/third-party-vs-comprehensive/): In Zambia the Road Traffic Act requires cover for death and injury to other people. What a third-party policy pays, what comprehensive cover adds, and the questions to ask before you buy. - [How to check a motor insurance cover in Zambia](https://tulinde.africa/zm/check-motor-insurance/): How to check that a Zambian motor insurance cover is real and valid: the insurance disc, the certificate, the PIA list of licensed insurers, brokers and agents, and what RTSA and the police ask for. - [Hurt in a road accident in Zambia? Claim from the driver's insurer](https://tulinde.africa/zm/third-party-claim/): A person injured by a vehicle in Zambia, or the family of a person killed, can claim directly from the driver's insurer under section 90 of the Road Traffic Act, within three years. What to collect and who pays hospital costs. ## Zambia: Health and life - [Health insurance in Zambia: NHIMA and private medical cover](https://tulinde.africa/zm/health-insurance/): How health cover works in Zambia: the compulsory National Health Insurance Scheme (NHIMA, 1% + 1%), private health policies sold by licensed insurers, what each pays and how to check the insurer. - [Life insurance in Zambia: your rights as a policyholder](https://tulinde.africa/zm/life-insurance/): Life insurance in Zambia: the 9 long-term insurers licensed for 2026, the 30-day right to cancel, what happens if you gave a wrong answer, protection of the policy for your spouse and children, and how to complain. - [Funeral cover in Zambia: what the law says and what to check](https://tulinde.africa/zm/funeral-cover/): A funeral policy in Zambia is defined by the Insurance Act 2021. Who may sell it, the 30-day right to cancel, what to check before you join, and how to complain about a delayed funeral claim. ## Zambia: Home, business and travel - [Business insurance in Zambia: what employers must have](https://tulinde.africa/zm/business-insurance/): The insurance duties of a business in Zambia: workers' compensation with the WCFCB, NHIMA for staff, third-party cover for vehicles, Zambian assets insured in Zambia, and the 3% premium levy. - [Travel insurance for Zambia: health cover and driving in](https://tulinde.africa/zm/travel-insurance/): Visitors to Zambia must hold valid health insurance for their stay (National Health Insurance Act 2018, s.14). What that means, third-party cover for foreign vehicles at the border, and the COMESA scheme. ## Zambia: Your rights - [Your rights as a policyholder in Zambia](https://tulinde.africa/zm/policyholder-rights/): The rights the Insurance Act 2021 gives policyholders in Zambia: readable policies, approved forms, claims settled or refused in writing, 30 days to cancel a life policy, premiums paid to a broker, court and PIA complaints. ## Zambia: Insurer profiles (licence, claim deadline, how to complain) - [Liberty in Zambia](https://tulinde.africa/zm/insurers/liberty/) - [Mayfair in Zambia](https://tulinde.africa/zm/insurers/mayfair/) - [Prudential in Zambia](https://tulinde.africa/zm/insurers/prudential/) - [Professional Insurance in Zambia](https://tulinde.africa/zm/insurers/professional-insurance/) - [ZSIC in Zambia](https://tulinde.africa/zm/insurers/zsic/) ## Zambia: Tools - [Compare insurance in Zambia](https://tulinde.africa/zm/compare-insurance/) - [Free PDF guides for Zambia](https://tulinde.africa/zm/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Zambia insurance blog](https://tulinde.africa/zm/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Zimbabwe: Most searched - [Insurance in Zimbabwe: the rules, the insurers, your rights](https://tulinde.africa/zw/): Insurance in Zimbabwe: CIMAS and PSMAS medical aid, the ZINARA licence and third-party cover, funeral policies, IPEC insurers, complaints. - [CIMAS medical aid: packages, how to claim and contacts](https://tulinde.africa/zw/cimas-medical-aid/): CIMAS (Cimas Health Group) medical aid in Zimbabwe from its own website: the Secure USD packages, ZWL, Healthguard and Medicare packages, how to submit a claim, the details a claim needs, and contacts. - [ZINARA licence and vehicle insurance in Zimbabwe: what you need and how to pay](https://tulinde.africa/zw/zinara-vehicle-insurance/): How the ZINARA vehicle licence and third-party insurance work together in Zimbabwe: what the Road Traffic Act requires, the products sold at ZINARA offices and online, licence fees under SI 67 of 2024 and how to check your licence. - [Nyaradzo funeral policy: the plans, the company and your rights](https://tulinde.africa/zw/nyaradzo-funeral-policy/): Nyaradzo funeral cover from Nyaradzo's own website: Score Pack, Six Pack, Group, Civil Servants, Sahwira International and Conventional plans, the registered life assurer behind them, contacts and the Insurance Act rules on missed premiums. - [PSMAS medical aid: plans for civil servants, families and companies](https://tulinde.africa/zw/psmas-medical-aid/): PSMAS (Premier Service Medical Aid Society) from its own website: public-sector plans (Executive, Optimum, Standard), individual plans (Elite Plus to Regular), private-sector, student and USD plans, who can join and contacts. - [Insurance companies in Zimbabwe (IPEC list, 2026)](https://tulinde.africa/zw/insurance-companies/): Every insurer on IPEC's list in October 2026: 20 short-term insurers, 11 life assurers, 9 funeral assurers, 16 microinsurers and the reinsurers — with the 2026 cancellations. - [Medical aid societies in Zimbabwe compared: CIMAS, PSMAS and how to choose](https://tulinde.africa/zw/medical-aid-societies/): CIMAS and PSMAS side by side from their own websites: packages, who can join, claims, contacts — plus the law on medical aid societies and the questions to ask before you join. No ranking, no invented prices. - [IPEC: the Insurance and Pensions Commission of Zimbabwe](https://tulinde.africa/zw/ipec/): What IPEC does, the Acts it applies, the 2026 Amendment Act (medical aid societies, protection fund, appeals), the insurance sector in figures for 2025 and how to contact IPEC. - [Funeral policies in Zimbabwe: who sells them and the rules on missed premiums](https://tulinde.africa/zw/funeral-cover/): Funeral cover in Zimbabwe: the funeral assurers and life assurers on IPEC's list, what the Insurance Act says when you miss a premium (grace period, paid-up cover after 5 years), and how to complain. - [ZINARA vehicle licence fee calculator (SI 67 of 2024)](https://tulinde.africa/zw/zinara-licence-fee-calculator/): Pick the vehicle's net mass and the licence period: the ZINARA fee in ZiG and the US$ index fee per term, from ZINARA's table under Statutory Instrument 67 of 2024 (in force from 28 October 2024). - [NSSA pension contribution calculator (Zimbabwe)](https://tulinde.africa/zw/nssa-contribution-calculator/): Enter a monthly salary in US dollars: the NSSA Pension and Other Benefits Scheme contribution, 4.5% from the employee and 4.5% from the employer, on insurable earnings capped at US$700 a month since 1 June 2024. ## Zimbabwe: Vehicles - [Car insurance in Zimbabwe: compulsory third-party cover and what else to buy](https://tulinde.africa/zw/motor-insurance/): Car insurance in Zimbabwe: the compulsory third-party policy of the Road Traffic Act, what it covers, claiming directly from the other driver's insurer (two years), and the 20 short-term insurers on IPEC's list. - [Third-party vs comprehensive car insurance in Zimbabwe](https://tulinde.africa/zw/third-party-vs-comprehensive/): In Zimbabwe third-party cover is the legal minimum (Road Traffic Act s 22) and pays for the harm you cause to others; comprehensive cover adds your own vehicle. What to compare before you choose. - [How to check a vehicle's insurance and licence in Zimbabwe](https://tulinde.africa/zw/check-motor-insurance/): How to check motor insurance in Zimbabwe: the certificate the insurer must issue, the insurer on IPEC's list, the ZINARA Vehicle Status check for the licence, and what to do after an accident with an uninsured or foreign vehicle. ## Zimbabwe: Health and life - [Health insurance in Zimbabwe: medical aid societies and health cover](https://tulinde.africa/zw/health-insurance/): How health cover works in Zimbabwe: medical aid societies registered under the Medical Services Act (and, since April 2026, by IPEC), what they pay, how to compare packages, and the main societies people search for. - [Life insurance in Zimbabwe: the life assurers and your rights](https://tulinde.africa/zw/life-insurance/): Life assurance in Zimbabwe: the 11 life assurers on IPEC's list, the 2026 cancellation of Heritage Life, what the Insurance Act says about lapses, and the new policyholder protection fund. ## Zimbabwe: Home, business and travel - [Business insurance in Zimbabwe: NSSA work-injury cover and private policies](https://tulinde.africa/zw/business-insurance/): What a business in Zimbabwe must pay and may buy: NSSA's employer-funded workers' compensation scheme, NSSA pension contributions, compulsory cover for public service vehicles, and private policies from IPEC-registered insurers. - [Travel and cross-border motor insurance in Zimbabwe: the COMESA yellow card](https://tulinde.africa/zw/travel-insurance/): Driving across borders from or into Zimbabwe: the COMESA yellow card under the Road Traffic Act, the Motor Insurance Pool at the border, how to claim through the Insurance Council of Zimbabwe, and travel insurance for trips abroad. - [NSSA workers' compensation in Zimbabwe (APWCS): who is covered and how to claim](https://tulinde.africa/zw/nssa-workers-compensation/): NSSA's Accident Prevention and Workers Compensation Scheme (SI 68 of 1990): who is covered, who pays, what it provides after a work accident or disease, the forms and how employers register. ## Zimbabwe: Your rights - [How to complain about an insurer in Zimbabwe (IPEC)](https://tulinde.africa/zw/complaints/): How to complain about an insurer, broker, funeral assurer or pension fund in Zimbabwe: write to the company first, then to IPEC (free) by WhatsApp, email, online or in person, then appeal to the Minister. - [How to check an insurer, broker or agent in Zimbabwe](https://tulinde.africa/zw/check-insurer/): Before you pay a premium in Zimbabwe: check the insurer, broker or agent on IPEC's list of regulated entities, the cancellation notices, and what the Insurance Act says about unregistered insurers and brokers. ## Zimbabwe: Tools and calculators - [Funeral policy lapse calculator (Insurance Act, section 60)](https://tulinde.africa/zw/funeral-policy-lapse-calculator/): Enter the date of the unpaid premium and how many years you have paid: the grace period and, after five years of premiums, how long the funeral policy stays in force without payment (Insurance Act [Chapter 24:07], s 60 and Schedule). ## Zimbabwe: Insurer profiles (licence, claim deadline, how to complain) - [Old Mutual in Zimbabwe](https://tulinde.africa/zw/insurers/old-mutual/) ## Zimbabwe: Tools - [Compare insurance in Zimbabwe](https://tulinde.africa/zw/compare-insurance/) - [Free PDF guides for Zimbabwe](https://tulinde.africa/zw/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Zimbabwe insurance blog](https://tulinde.africa/zw/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Across the four countries - [Motor insurance compared: Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/motor-insurance-east-africa/): Compulsory motor insurance in Kenya, Uganda, Tanzania, Ethiopia and South Africa: what the law covers, limits, penalties and how to check a cover. - [Public health insurance compared: SHA, NHIF, CBHI, Uganda and South Africa](https://tulinde.africa/compare/health-insurance-east-africa/): Kenya's SHA, Tanzania's NHIF, Ethiopia's CBHI and SHI, Uganda and South Africa's medical schemes compared: who pays, how much, where private cover fits. - [How fast must insurers pay? Claim deadlines in Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/claim-deadlines-east-africa/): Claim and complaint deadlines: Kenya 90 days, Uganda 10–20 working days, Tanzania 45 days, Ethiopia 10 business days, South Africa 10 days for a rejection. - [Work-injury cover for employers: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/workers-compensation-east-africa/): What employers must insure or pay for work injuries: WIBA in Kenya, Uganda's Workers Compensation Act, WCF in Tanzania, Ethiopia's Labour Proclamation, COIDA. - [Insurance markets compared: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/insurance-markets-east-africa/): Insurance penetration, premiums and number of licensed insurers in Kenya, Uganda, Tanzania, Ethiopia and South Africa, from the regulators' latest reports. - [Insurance groups across East Africa: who is licensed where](https://tulinde.africa/compare/insurance-groups-east-africa/): Which big insurance groups are licensed in Kenya, Uganda and Tanzania, and for what: Britam, Jubilee, ICEA LION, Sanlam Allianz, CIC, APA, GA, MUA, Old Mutual and more — from the regulators' lists. - [Car insurance checklist: 10 things to check before you pay](https://tulinde.africa/checklists/motor/) - [Motorcycle and boda boda insurance checklist](https://tulinde.africa/checklists/motorcycle/) - [Commercial and passenger vehicle insurance checklist](https://tulinde.africa/checklists/commercial/) - [Health insurance checklist: 10 questions before you sign](https://tulinde.africa/checklists/health/) - [Life insurance checklist](https://tulinde.africa/checklists/life/) - [Home insurance checklist](https://tulinde.africa/checklists/home/) - [Business insurance checklist](https://tulinde.africa/checklists/business/) - [Travel and cross-border driving checklist](https://tulinde.africa/checklists/travel/) ## Optional - [Full text of this domain (short answers, sections, FAQ, sources)](https://tulinde.africa/llms-full.txt) - [About Tulinde](https://tulinde.africa/about/): Tulinde explains insurance in Kenya, Uganda, Tanzania and Ethiopia and puts people in touch with licensed insurers and brokers. - [How Tulinde works and how we make money](https://tulinde.africa/how-tulinde-works/): Tulinde is free for you. Licensed insurers and brokers pay for introductions. Here is exactly how it works and what we never do. - [Editorial policy: how we check every fact](https://tulinde.africa/editorial-policy/): Every rule, date and figure on Tulinde is linked to a regulator, an Act or an official report. How we write, check and update our guides. - [Terms of use](https://tulinde.africa/terms/): The terms that apply when you use Tulinde's guides and quote request form. - [Insurance glossary](https://tulinde.africa/glossary/) - [Privacy notice](https://tulinde.africa/privacy/) - [Sitemap](https://tulinde.africa/sitemap.xml)