The insurance industry in Tunisia reported gross direct premiums of TND3.1bn ($1.06bn) in the first nine months of this year (9M2025) against TND2.8bn in the corresponding period of 2024, a 11.5% increase, according to figures published by the regulatory authority, the General Insurance Committee (CGA).
Life insurance business registered 19% growth, reaching TND888m in 9M2025, against TND746m in the same period in 2024. It accounted for over 28% of the total premium income of the overall market.
Non-life premiums saw an increase of less than 9% year on year in 9M2025 but continued to command over two-thirds of the market’s total premiums (72%). Motor was the largest non-life line of business (almost 40% of the market size) as premiums reached TND1.2bn against TND1.1bn in 9M2024, an 8% increase.
Group health insurance was the third largest line of business (almost 16%) with premiums growing by 12% to TND494m in the first three quarters of 2025 versus TND440m in the same period of the previous year.
The total value of assets related to covering technical reserves reached TND10.9bn in the first three quarters of 2025 compared to TND9.6bn in the same period of 2024, an increase of 13.9%.
The CGA figures indicated that Tunis Re’s premium income reached TND179.3m in the first three quarters of 2025 compared to TND174.6m in the same period of the preceding year, a 2.7% increase.
Table (1): Summary of life and non-life insurance business in Tunisia
|
Period /
TND m
|
Direct Premiums
|
Paid Claims
|
|
9M2025
|
9M2024
|
Change
|
Share (2025)
|
9M2025
|
9M2024
|
Change
|
Share (2025)
|
|
Life
|
888.3
|
745.7
|
28.4%
|
19.1%
|
356.5
|
405.0
|
-12%
|
22.6%
|
|
Nonlife
|
2,235.0
|
2,056.6
|
71.6%
|
8.7%
|
1,218.7
|
1,118.4
|
9.0%
|
77.4%
|
|
Total
|
3,123.3
|
2,802.3
|
11.5%
|
100.0%
|
1,575.2
|
1,523.4
|
3.4%
|
100.0%
|
Source: CGA
Table (2) Development of insurance business in 9M2025 by line of business in Tunisia
|
Line of business - TND m
|
Direct Premiums
|
Paid Claims
|
|
9M2025
|
9M2024
|
Change
|
Share (2025)
|
9M2025
|
9M2024
|
Change
|
Share (2025)
|
|
Motor
|
1,234.1
|
1,143.6
|
7.9%
|
39.5%
|
724.4
|
606.3
|
19.5%
|
46.0%
|
|
Group health
|
493.9
|
439.9
|
12.3%
|
15.8%
|
375.3
|
358
|
4.8%
|
23.8%
|
|
Fire
|
219.5
|
194.7
|
12.7%
|
7.0%
|
66.5
|
76.9
|
-13.5%
|
4.2%
|
|
Transport
|
77.8
|
80.7
|
-3.6%
|
2.5%
|
13.3
|
17.9
|
-25.7%
|
0.8%
|
|
Livestock
|
9.2
|
7.5
|
22.5%
|
0.3%
|
4.05
|
2.14
|
89.5%
|
0.3%
|
|
Other lines
|
200.5
|
190.2
|
5.4%
|
6.4%
|
35.1
|
57.2
|
-38.5%
|
2.2%
|
|
Life
|
888.3
|
745.7
|
28.4%
|
28.4%
|
356.5
|
405
|
-12.0%
|
22.6%
|
|
Total
|
3,123.3
|
2,802.3
|
11.5%
|
100.0%
|
1,575.2
|
1,523.4
|
3.4%
|
100.0%
|
Source: CGA