Magazine date:
Fev 2006 
Caractéristiques du marché de l'assurance
- Autorité de contrôle: National Insurance Commission
- Primes (2004): 102 875 000 USD
- Densité d’assurance (2004): 4,9 USD
- Taux de pénétration (2004): 0,21%
Structure du marché 2004
Acteurs du marché | Nombre |
|---|---|
Compagnies d’assurance | 19 |
Compagnies de réassurance | 2 |
Courtiers | 37 |
Identité
- Superficie: 239 460 Km2
- Population (2004): 20 987 000 habitants
- PIB (2004): 48,27 milliards USD
- PIB/habitant (2004): 2 300 USD
- Taux de croissance du PIB (2004): 5,4%
- Taux d’inflation (2004): 13%
- Principaux secteurs d'activité: Exploitation minière (or, argent, bauxite, manganèse, diamants industriels), ciment, cacao, bois, extraction d’aluminium, caoutchouc, industrie alimentaire, construction de bateaux de pêche.
Principales villes
(en nombre d'habitants)
- Accra (capitale): 1 700 000
- Kumasi: 650 000
- Tamale: 280 000
Évolution de la production: 2003-2004
en USD| 2003 | 2004 | Taux de croissance | |
|---|---|---|---|
Primes émises | 82 149 006 | 102 874 793 | + 25,23% |
Production par compagnie en 2004
en USDCompagnie | Vie | Non vie | Total vie & non vie | Part de marché |
|---|---|---|---|---|
State Insurance Company | 5 698 199 | 28 254 004 | 33 952 202 | 33,00% |
Enterprise Insurance Company | - | 11 616 285 | 11 616 285 | 11,29% |
Metropolitan Insurance Company | 2 361 309 | 8 119 341 | 10 480 650 | 10,19% |
Vanguard Assurance Company | 2 017 987 | 6 633 223 | 8 651 209 | 8,40% % |
Star Assurance Company | - | 5 526 228 | 5 526 228 | 5,37% |
Donewell Insurance Company | 1 381 947 | 3 170 495 | 4 552 442 | 4,43% |
Ghana Union Assurance | 34 192 | 4 181 630 | 4 215 823 | 4,10% |
Gemini Life Insurance Company | 3 847 318 | - | 3 847 318 | 3,74% |
Provident Insurance Company | 1 230 340 | 2 506 472 | 3 736 813 | 3,63% |
Unique Insurance Company | 406 899 | 2 960 941 | 3 367 840 | 3,27% |
Star Life Assurance Company | 2 510 135 | - | 2 510 135 | 2,44% |
Enterprise Life Assurance | 2 306 612 | - | 2 306 612 | 2,24% |
Quality Insurance Company | 438 242 | 1 628 811 | 2 067 053 | 2,01% |
CHD Insurance Company | 255 781 | 1 406 768 | 1 662 550 | 1,62% |
Ghana Life Insurance | 1 611 275 | - | 1 611 275 | 1,57% |
Phoenix Insurance Company | 270 719 | 1 044 642 | 1 315 361 | 1,28% |
Network Assurance Company | 61 211 | 1 076 860 | 1 138 071 | 1,11% |
Beacon Insurance Company | 175 765 | 104 299 | 280 064 | 0,27% |
Inter-life & General Insurance | 246 | 36 618 | 36 863 | 0,04% |
Total | 24 608 175 | 78 266 618 | 102 874 793 | 100,00% |
Parts de marché des compagnies en 2004
Répartition des primes par branche en 2004
en USD| Primes | % | |
|---|---|---|
| Non vie | ||
Automobile | 39 492 659 | 38,39% |
Accidents | 16 647 250 | 16,18% |
Incendie | 14 001 364 | 13,61% |
Transport | 8 125 345 | 7,90% |
Total non-vie | 78 266 618 | 76,08% |
| Vie | ||
Total vie | 24 608 175 | 23,92% |
Total général | 102 874 793 | 100,00% |
Ratio sinistres à primes par compagnie: 2000-2004
Compagnie | 2000 | 2001 | 2002 | 2003 | 2004 |
|---|---|---|---|---|---|
State Insurance Company | 32% | 35% | 25% | 22% | 19% |
Enterprise Insurance Company | 21% | 15% | 15% | 13% | 17% |
Metropolitan Insurance Company | 19% | 19% | 2% | 20% | 20% |
Vanguard Assurance Company | 18% | 11% | 12% | 12% | 23% |
Star Assurance Company | 26% | 26% | 14% | 17% | 21% |
Donewell Insurance Company | 15% | 10% | 13% | 11% | 11% |
Ghana Union Assurance Company | 19% | 19% | 21% | 20% | 23% |
Provident Insurance Company | 28% | 27% | 19% | 29% | 11% |
Gemini Life Insurance Company | 23% | 22% | 23% | 28% | 33% |
Unique Insurance Company | 12% | 16% | 8% | 19% | 23% |
Star Life Assurance Company | - | - | - | - | 19% |
Enterprise Life Assurance | - | - | 2% | 3% | 26% |
Quality Insurance Company | 15% | 23% | 21% | 8% | 8% |
CDH Insurance Company | 21% | 7% | 12% | 12% | 15% |
Ghana Life Insurance Company | 37% | 43% | 33% | 42% | 41% |
Phoenix Insurance Company | 3% | 10% | 12% | 3% | 9% |
Network Assurance | 9% | 9% | - | - | 3% |
Beacon Insurance Company | 13% | 13% | 37% | 42% | 42% |
Inter-life and General Insurance Company | 35% | 35% | - | - | - |
Ghana Reinsurance Company | 25% | 24% | 21% | - | - |
Mainstream Reinsurance Co. | 37% | 32% | 39% | 23% | 25% |
Moyenne du secteur | 22% | 21% | 19% | 18% | 20% |
Taux de change USD/GHC au 31/12 | 2000 | 2001 | 2002 | 2003 | 2004 |
7 087,9 | 7 170,8 | 7 932,7 | 8 677,4 | 9 004,6 |