Tunisia’s Insurance Sector Posts Record Revenue in 2025
Source: High Authority of Insurance (HAI)
| Year | Total Revenue (million TND) | YoY Change |
|---|---|---|
| 2025 | 4 255.1 | +11.4 % |
| 2024 | 3 819.6 | — |
Key Highlights
- Life insurance recorded the strongest growth, expanding 16.4 % and now accounts for 31.4 % of the market.
- Revenue: 1 336.1 M TND (up from 1 148.2 M TND in 2024).
- Motor insurance remains the volume leader with 1 628.3 M TND in premiums, although its market share slipped slightly to 38.3 %.
Performance by Branch
| Branch | Revenue 2025 (M TND) | YoY Revenue Change | Claims Paid 2025 (M TND) | YoY Claims Change |
|---|---|---|---|---|
| Collective Health (stable & essential) | 647 | +11.4 % | 566.7 | +8.4 % |
| Fire | 241.2 | +19.2 % (highest growth among all lines) | 92 | ‑13 % |
| Transport | 112.8 | +0.2 % (almost flat) | 20.5 | ‑5.5 % |
| Overall Claims Paid | — | — | 2 363.4 | +6.1 % |
The rise in claims is driven mainly by motor insurance, which saw a 20.3 % increase in payouts, reflecting nearly 340 000 reported accidents during the year.
Structural Shift in the Market
- The strengthening of life insurance and collective health coverage is diversifying the sector’s portfolio.
- This diversification is reducing reliance on compulsory motor insurance, signaling a gradual, structural transition toward a more balanced mix of products.
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