Insurance Sector Continues to Thrive
According to the latest statistics from the CGA, net premiums of insurance companies totaled 2,248 MTND at the end of the first half of 2025, an increase of 11.4% compared to the first half of 2024.
Not surprisingly, Automobile is the leading contributor to this performance, representing 38.3% of the sector's total revenue with 861.5 MTND. The contribution to premiums is gradually decreasing, in favor of greater diversification in the sector. Life and Capitalization insurance saw its share increase by 230 basis points over the past year, reaching 28.9% with premiums of 650.7 MTND. Its growth rate of 21.1% year-over-year is the fastest among all segments.
Next come the Group Health (341.4 MTND), Fire (181.6 MTND), Miscellaneous Risks (151.9 MTND), and Transport (53.5 MTND) segments. The latter is the only segment to have recorded a decrease in premiums, with a -1.3% annual rate.
Premiums accepted by the Tunisian Reinsurance Company amounted to 123.3 MTND, an improvement of 4.0%.
On the indemnification side, companies paid out 1,037.2 MTND, an increase of 11.4% compared to June 2024. The lion's share goes to Automobile (486.3 MTND), Life and Capitalization (235.1 MTND), and Group Health (247.4 MTND). The semester saw the declaration of 991,227 claims, including 167,566 in Automobile.
Assets placed in representation of technical provisions reached 10,711.1 MTND as of June 2025, offering great financial solidity to the sector. These investments in portfolios are essentially concentrated on fixed-income products, mainly government bonds and sovereign and private debt securities, in line with the regulator's imposed catalog. These investment products will significantly improve the profitability of sector companies.
