Tunisian Insurance Sector Sees Significant Growth in 2025
The year 2025 marked a significant milestone for the insurance sector in Tunisia. According to the conjuncture data published by the General Insurance Committee, net premiums exceeded the threshold of 4 billion dinars, totaling 4,255.1 million dinars (Mtnd) compared to 3,819.6 Mtnd in 2024, representing an increase of 11.4%.
Performance by Segment
This performance is driven by all segments, with varying weights. The Life & Capitalization insurance segment recorded the strongest growth, with premiums increasing by 16.4% to reach 1,336.1 Mtnd. Its share of the global market has thus increased to 31.4%. Non-Life insurance also performed well, with a 9.3% growth in premiums, which reached 2,919 Mtnd. Within this segment, the Automobile insurance sector, which remains the largest, saw its premiums increase by 7.4% year-over-year to 1,628.3 Mtnd. The sector also benefited from the strong growth of branches such as Health insurance (+11.4% to 647 Mtnd) and Fire insurance (+19.2% to 241.2 Mtnd). The Transport insurance sector showed stability, with premiums of 112.8 Mtnd, while those for Miscellaneous Risks stood at 289.7 Mtnd.
Claims and Indemnifications
In parallel with premium collection, insurance companies paid out 2,363.4 Mtnd in indemnifications, an increase of 6.1% compared to 2024. Indemnifications in the Automobile sector jumped by 20.3%, reaching 1,093.9 Mtnd. This increase, combined with a 7.8% rise in the number of reported claims (340,896), highlights the ongoing pressure on this sector. In contrast, the amounts paid out in Life insurance decreased by 6.2% to 527 Mtnd, and those in Fire insurance fell by 13% to 92 Mtnd, while the number of reported fire claims remained stable at 7,664.
Financial Solidity
The sector's financial solidity has also increased. The assets placed in representation of technical provisions, which guarantee the insurers' ability to honor their future commitments, have grown by 10.3% to reach 11,302.8 Mtnd at the end of 2025.
Outlook
The figures paint a picture of a dynamic sector. The sustained growth of activity, particularly in Life and Fire insurance, demonstrates a still-important market potential. At the same time, the regulatory effort, focused on inter-institutional cooperation, digitalization, and compliance, lays the foundations for a more modern, transparent, and resilient sector for the future.
