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Tulinde blog · Zambia

Insurance in Zambia: the blog

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

19 guides

Health & life · ZambiaNHIMA registration: who must register and how (2026)Every citizen and established resident over 18 must be registered. Employers register staff within 30 days; you can add a spouse and 5 children under 18.4 min read · Updated 31 October 2026Health & life · ZambiaeNHIMA portal: log in, pay and check your NHIMA statusThe only official portal is enhima.nhima.co.zm. Pay and check your status by mobile money on *115# (Airtel, MTN, Zamtel).2 min read · Updated 31 October 2026Health & life · ZambiaNHIMA benefits: what the scheme pays, your card and complaintsConsultations, admission, surgery, maternity, generic medicines, dental, spectacles once every 3 years. Not covered: treatment abroad, cosmetic surgery, road and work injuries covered elsewhere.4 min read · Updated 31 October 2026Insurers & your rights · ZambiaLicensed insurance companies in Zambia (PIA list 2026)The PIA's 2026 list: 24 general insurers, 9 long-term insurers, 5 reinsurers.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaThe Pensions and Insurance Authority (PIA) and the Insurance Act 2021The PIA licenses insurers, brokers and agents and supervises them under the Insurance Act 2021. Premiums: K10.5 billion in 2025.2 min read · Updated 31 October 2026Motor & vehicles · ZambiaCar insurance in Zambia: what the law requiresThird-party cover is compulsory (Road Traffic Act, s.86). Display the insurance disc; RTSA asks for a certificate or cover note to register a vehicle.4 min read · Updated 31 October 2026Home, business & travel · ZambiaWorkers' compensation in Zambia (WCFCB): claims and employer dutiesEmployers report within 3 days; claims within 12 months. Accidents on a reasonably direct route to or from work count.3 min read · Updated 31 October 2026Health & life · ZambiaHealth insurance in Zambia: NHIMA and private medical coverNHIMA is compulsory for citizens and residents over 18; private health policies come from PIA-licensed insurers. Health is 54% of long-term premiums.3 min read · Updated 31 October 2026
Motor & vehicles · ZambiaHow to check a motor insurance cover in ZambiaRead the disc (registration, chassis, expiry), check the insurer and the seller on the PIA's 2026 list, and confirm with the insurer.3 min read · Updated 31 October 2026Insurers & your rights · ZambiaHow to complain about an insurer in Zambia (PIA)Insurer first, in writing. Then the PIA Registrar: pia@pia.org.zm, +260 211 251401, or the complaint form. One year from the end of the insurer's process.3 min read · Updated 31 October 2026Motor & vehicles · ZambiaThird-party vs comprehensive car insurance in ZambiaThe law requires cover for injury and death of other people; damage to cars and your own vehicle depend on the policy you choose.2 min read · Updated 31 October 2026Motor & vehicles · ZambiaHurt in a road accident in Zambia? Claim from the driver's insurerClaim directly from the insurer of the vehicle, within 3 years (Road Traffic Act s.90). The insurer also pays the hospital (s.93).2 min read · Updated 31 October 2026Health & life · ZambiaLife insurance in Zambia: your rights as a policyholder9 licensed long-term insurers. Cancel a new life policy within 30 days; a policy for your spouse or children is protected from creditors.3 min read · Updated 31 October 2026Health & life · ZambiaFuneral cover in Zambia: what the law says and what to checkA funeral policy pays funeral and burial expenses on a death. Buy it from a PIA-licensed insurer or through a licensed agent or broker.2 min read · Updated 31 October 2026Home, business & travel · ZambiaBusiness insurance in Zambia: what employers must haveRegister with the WCFCB within 14 days of starting business, NHIMA for each employee within 30 days, third-party cover for every vehicle, assets insured with a Zambian insurer.2 min read · Updated 31 October 2026Home, business & travel · ZambiaTravel insurance for Zambia: health cover and driving inForeigners must hold valid health insurance in Zambia, or buy it on arrival. Vehicles need third-party cover to enter by road.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaYour rights as a policyholder in ZambiaLegible terms, written reasons for a refused claim, 30 days to cancel a life policy, premiums to your broker count as paid, and the right to go to court.2 min read · Updated 31 October 2026Insurers & your rights · ZambiaCheck an insurer, broker or agent in ZambiaThe PIA publishes one list for the year: 24 general insurers, 9 long-term insurers, 5 reinsurers, 95 brokers, every insurer's agents.2 min read · Updated 31 October 2026Health & life · ZambiaNHIMA contribution calculator (Zambia)1% of basic salary from the employee, 1% from the employer; 1% of declared income if self-employed. Due by the 10th.2 min read · Updated 31 October 2026
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