Life Report

Product Insurance Market Reports Life Rev Afghanistan

Key Highlights

Get access to Axco’s online product with the latest market intelligence for the market of your choice


  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details Afghanistan's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in Afghanistan's economic and political environment
  • Demographic information
  • Market statistics and company performance

Report Overview

Independent strategic insight, line of business detail, regulatory information & market data for the non-life (P&C) insurance market of Afghanistan

The Afghanistan life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of Afghanistan.  Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers interview local professionals working across the local market. The report is updated with new information and data regularly throughout the cycle of country visits.

The report provides information about Afghanistan’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in Afghanistan is available.

Axco’s report describes the regulatory framework that applies to the Afghanistan domestic life insurance sector, including whether non-admitted insurance is permitted in Afghanistan; as well as the legislation necessary to know regarding Afghanistan’s healthcare, pensions and social security.

Statistics include five years of life insurance market performance indicators, including gross written premiums, premium growth and penetration rates. Company statistics show local insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Afghanistan market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
The report provides information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in Afghanistan, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.


Axco reports on the three pillars of Afghanistan pension provision.

  • State pension benefits including benefit calculations and eligibility criteria 
  • Workplace pension provision; types of schemes calculations eligibility and; tax implications
  • Voluntary individual pension provision, type of products and tax implications

Social Security

The Afghanistan report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

  • state pensions,
  • permanent disability benefit
  • occupational accident and disease
  • maternity and paternity payments 

Afghanistan Life & Benefits Report Extract

Below are brief extracts of information from the Afghanistan Life & Benefits Report; more updated information may be available in the latest published report.

Life Insurance

Summary & Trends

There is no significant volume of life insurance known to be marketed in Afghanistan; it is unlikely that very much life assurance will be transacted for some years. Reasons include the conservative nature of the country; a belief by many that oppose the validity of life insurance against the will of their religion; a lack of understanding of the benefits of insurance. Sharia-compliant banking does exist; however, there is very little demand for takaful insurance. In Life insurance. The size of the Afghan insurance market can only be estimated and penetration rates are unknown.


Summary & Trends

There are no known providers of private pensions in Afghanistan. The Afghanistan Pension Administration and Safety Net Project (APASNP) was a long-running endeavour to build infrastructure and capacity ...


Summary & Trends

Insurance Corporation of Afghanistan (ICA) advertises takaful products that it asserts are sharia-compliant so this component of its portfolio may allow it to trade under the new political regime once the wordings have been approved by the supervisor. Conventional insurance continues to be sold although increasingly on small sums insured which are capable of being absorbed into the net account as reinsurers exit the sector, according to market sources. Personal accident and group health are among the most active classes currently.

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