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Tulinde blog · Malawi

Insurance in Malawi: the blog

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

20 guides

Health & life · MalawiMASM medical aid: schemes, monthly contributions and how to join (2026)VIP Premier to Econospecial: MASM's own published contributions and limits, funeral cover through NICO Life, joining rules.4 min read · Updated 31 October 2026Insurers & your rights · MalawiInsurance companies in Malawi: the Registrar's list (June 2026)The Registrar's list of 30 June 2026: 8 general insurers, 6 life insurers, 1 inclusive insurer, 1 reinsurer.3 min read · Updated 31 October 2026Health & life · MalawiHealth insurance in Malawi: public care, medical aid and private coverPublic facilities give the health benefit package free of charge to most Malawians; medical aid pays for private care on top.3 min read · Updated 31 October 2026Insurers & your rights · MalawiCheck an insurer, broker or agent in MalawiThe Registrar's list of 30 June 2026: 8 general and 6 life insurers, 1 inclusive insurer, 32 brokers, agents and bancassurance agents.3 min read · Updated 31 October 2026Motor & vehicles · MalawiCar insurance in Malawi: what the Road Traffic Act requiresThird party cover is compulsory on every public road (Road Traffic Act, s 141); comprehensive cover is your choice.4 min read · Updated 31 October 2026Insurers & your rights · MalawiHow to complain about an insurer in MalawiInsurer first (2, 10 or 30 working days), then the Registrar of Financial Institutions: 80 008 444, complaints-handling@rbm.mw.3 min read · Updated 31 October 2026Health & life · MalawiFuneral cover in Malawi: who may sell it and what to checkFuneral insurance needs a licence from the Registrar; check the provider and whether it pays cash or services.2 min read · Updated 31 October 2026Home, business & travel · MalawiWorkers' compensation in Malawi: what the employer owes and how to claim42 months' earnings for a death, 54 for permanent total incapacity, medical expenses; claim within 12 months.3 min read · Updated 31 October 2026
Insurers & your rights · MalawiInsurance claims in Malawi: the steps and deadlines your insurer must meet5 working days to acknowledge, 7 working days to present the discharge; up to a 25% fine if not paid within 14 days of it.3 min read · Updated 31 October 2026Health & life · MalawiLife insurance in Malawi: licensed life insurers, policy types and your rightsSix licensed life insurers; a key facts statement before you sign; 10 working days to withdraw without penalty.2 min read · Updated 31 October 2026Motor & vehicles · MalawiThird party, third party fire and theft or comprehensive? Motor cover in MalawiAct or third party cover pays other people; third party fire and theft adds your car's fire and theft; comprehensive adds damage to your car.2 min read · Updated 31 October 2026Motor & vehicles · MalawiHow to check a motor insurance certificate in MalawiThe certificate stays in the vehicle (RTA s 151); check the insurer and the seller on the Registrar's list.3 min read · Updated 31 October 2026Motor & vehicles · MalawiMinibus, taxi and truck insurance in MalawiFare-paying passengers must be covered; a public service vehicle cannot exclude liability to them.2 min read · Updated 31 October 2026Home, business & travel · MalawiHome insurance in Malawi: buildings, contents and householders' coverDomestic cover = buildings, householders' contents or a comprehensive package, from a licensed general insurer.2 min read · Updated 31 October 2026Home, business & travel · MalawiBusiness insurance in Malawi: workers' compensation, property and liabilityEmployers are liable for work injuries (Workers' Compensation Act); property, liability and transit cover are voluntary.2 min read · Updated 31 October 2026Home, business & travel · MalawiTravel insurance in Malawi: visitors, residents abroad and the COMESA Yellow CardShort-stay visitors need comprehensive health insurance for public care (HSSP III); drivers need third party cover, and a Yellow Card for the region.2 min read · Updated 31 October 2026Insurers & your rights · MalawiYour rights as a policyholder in MalawiA key facts statement before you buy, 10 working days to withdraw from a life policy, claim and complaint deadlines.2 min read · Updated 31 October 2026Insurers & your rights · MalawiThe Reserve Bank of Malawi and the Insurance Act: who regulates insuranceThe Governor of the Reserve Bank is the Registrar; the Insurance Act and the Financial Services Act of 2010 are the law.3 min read · Updated 31 October 2026Home, business & travel · MalawiWorkers' compensation calculator (Malawi)42 × monthly earnings for a death, 54 × for permanent total incapacity, a First Schedule percentage of that for a partial one.3 min read · Updated 31 October 2026Insurers & your rights · MalawiInsurance claim timeline calculator (Malawi)5 working days to acknowledge, 14 days for an investigation, 7 working days to present the discharge, payment within 14 days of signing it.2 min read · Updated 31 October 2026
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Regulator in Malawi: the Registrar (RBM)

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