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Insurance market in the Democratic Republic of Congo
April 15, 2026
Identity
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| Surface area: 2 345 410 Km2 |
| Population (1) (2024) : 109 276 000 inhabitants |
| GDP (1) (2024) : 70.96 billion USD |
| GDP per capita (1) (2024) : 649.4 USD |
| GDP growth rate (1) (2024) : 6.1% |
| Inflation rate (2) (2024) :34.6% |
| Main activity sectors: Mining resources (cobalt, copper, diamonds, gold, zinc), agriculture, services (trade, telecommunications). |
(1) Source: World Bank
(2) Central Bank of the Democratic Republic of Congo
The congolese insurance market: structure in 2024
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| Market players | Total |
| Non-life insurance companies | 7 |
| Life insurance companies | 3 |
| Reinsurance companies | 2 |
| Insurance brokers | 31 |
| General agents | 7 |
| Health insurance administrators | 5 |
| Total | 55 |
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| Market features |
| Regulatory authority: The Insurance Regulatory and Control Authority (ARCA) |
| Life and non-life premiums (2024): 378 million USD |
| Insurance density (2024): 3.5 USD |
| Penetration rate (2024): 0.5% |
The congolese insurance market: premium evolution by life and non-life class of business 2020-2024
Figures in USD
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| 2020 | 2021 | 2022 | 2023 | 2024 | |
| Non-life | 146 798 000 | 210 220 874 | 275 454 174 | 304 317 514 | 342 804 960 |
| Life | 1 237 000 | 7 200 746 | 12 540 471 | 20 977 413 | 35 092 962 |
| Total | 148 035 000 | 217 421 620 | 287 994 645 | 325 294 927 | 377 897 922 |
The congolese insurance market: turnover by class of business (2020-2024)
Figures in USD
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| Classes of business | 2020 | 2021 | 2022 | 2023 | 2024 | Shares 2024 |
| Fire and natural disasters | 54 341 000 | 70 789 904 | 82 659 807 | 79 071 193 | 92 840 146 | 24.60% |
| Motor | 45 586 000 | 51 788 279 | 62 629 019 | 59 098 587 | 68 382 529 | 18.10% |
| Credit | 13 476 000 | 27 476 129 | 33 665 975 | 37 302 766 | 47 882 440 | 12.70% |
| Health | 4 682 000 | 12 561 110 | 18 998 015 | 35 996 325 | 42 228 247 | 11.10% |
| Marine | 6 342 000 | 17 266 743 | 21 638 946 | 39 743 735 | 38 897 919 | 10.30% |
| Other risks (1) | 22 371 000 | 30 338 709 | 55 862 412 | 53 104 908 | 52 573 679 | 13.90% |
| Total non-life | 146 798 000 | 210 220 874 | 275 454 174 | 304 317 514 | 342 804 960 | 90.70% |
| Life | 1 237 000 | 7 200 746 | 12 540 471 | 20 977 413 | 35 092 962 | 9.30% |
| Grand total | 148 035 000 | 217 421 620 | 287 994 645 | 325 294 927 | 377 897 922 | 100% |
(1) Including bodily injury, general third-party liability, engineering, bond, assistance, and other property damage
The congolese insurance market: loss ratio by non-life class of business in 2024
Chiffres en USD
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| Charges sinistres | Primes acquises | Ratio sinistres à primes | |
| Fire and natural disasters | 10 713 251 | 87 738 550 | 12.20% |
| Motor | 16 986 437 | 68 813 834 | 24.70% |
| Credit | 51 827 | 47 884 134 | 0.10% |
| Health | 10 424 428 | 41 936 147 | 24.90% |
| Marine | 12 817 380 | 42 218 048 | 30.40% |
| Other risks (1) | 5 189 662 | 53 327 934 | 9.70% |
| Total non-life | 56 182 985 | 341 918 647 | 16.40% |
(1) Including bodily injury, general third-party liability, engineering, bond, assistance, and other property damage
The congolese insurance market: loss ratio by non-life company in 2024
Figures in USD
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| Incurred losses | Earned premiums | Loss ratio | |
| Rawsur | 16 076 990 | 120 027 422 | 13.40% |
| SFA | 9 361 774 | 76 251 039 | 12.30% |
| Sonas | 9 629 783 | 64 424 436 | 14.90% |
| Activa | 8 050 335 | 29 632 980 | 27.20% |
| Mayfair | 6 652 129 | 28 866 354 | 23.00% |
| GPA | 4 872 631 | 12 938 305 | 37.70% |
| SUNU | 1 539 343 | 9 778 111 | 15.70% |
| Total non-life | 56 182 985 | 341 918 647 | 16.40% |
Loss ratio = incurred losses / earned premiums
The congolese insurance market: management expenses ratio by non-life company in 2024
Figures in USD
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| Management expenses | Gross written premiums | Management expenses ratio | |
| Rawsur | 14 890 006 | 121 518 530 | 12.30% |
| SFA | 23 846 992 | 73 663 059 | 32.40% |
| Sonas | 48 839 915 | 61 345 775 | 79.60% |
| Activa | 10 271 105 | 32 926 031 | 31.20% |
| Mayfair | 7 789 482 | 31 251 726 | 24.90% |
| GPA | 2 093 598 | 11 491 791 | 18.20% |
| SUNU | 5 414 283 | 10 608 048 | 51.00% |
| Total non-life | 113 145 381 | 342 804 960 | 33% |
Management expenses ratio = management expenses / gross written premiums
The congolese insurance market: combined ratio by non-life company in 2024
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| Loss ratio | Management expenses ratio | Combined ratio | |
| Rawsur | 13.40% | 12.30% | 25.70% |
| SFA | 12.30% | 32.40% | 44.70% |
| Sonas | 14.90% | 79.60% | 94.50% |
| Activa | 27.20% | 31.20% | 58.40% |
| Mayfair | 23.00% | 24.90% | 47.90% |
| GPA | 37.70% | 18.20% | 55.90% |
| SUNU | 15.70% | 51.00% | 66.70% |
| Total non-life | 16.40% | 33% | 49.40% |
Combined ratio = Loss ratio + Management expenses ratio
Source: 2024 report on the state of the insurance market in the DRC. The Insurance Regulatory and Control Authority (ARCA)
