Life Report

Product Insurance Market Reports Life Rev Uganda

Key Highlights

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  • Key insights and explanations of market developments in life insurance, healthcare and pensions
  • Details Tunisia's insurance, social security, pensions and healthcare regulatory framework and company and personal tax considerations
  • Current legislation and upcoming changes
  • The latest developments in Tunisia'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 Tunisia

The Tunisia life and benefits market report provides a comprehensive, impartial analysis of the life insurance market of Tunisia.  Information extends to extensive detail on healthcare (public and private), pensions and benefits, and social security. Specialist researchers visit Tunisia and 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 Tunisia’s demographic profile and assesses its economic, political, climate, operational, and security risks. Key data on the investment environment in Tunisia is available.

Axco’s report describes the regulatory framework that applies to the Tunisian domestic life insurance sector, including whether non-admitted insurance is permitted in Tunisia; as well as the legislation necessary to know regarding Tunisia’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 who are the leading life insurance companies in Tunisia with local life insurance company premiums, market share and year on year growth.

Life Insurance

Axco provides details on the life insurance sector including Tunisian 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.
Information on non-life classes for example critical illness and private medical insurance.


The report describes the public and private healthcare system in Tunisia, 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 Tunisian 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 Tunisia 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 

Tunisia Life and Benefits Report Extract

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

Life Insurance

Protection business dominates the life insurance market and remained the largest line of business in 2019. Insurers have universally indicated in the past that the predominance of protection business in the market is mainly due to there being no materially significant tax incentives to encourage saving via life insurance, resulting in very little consumer interest in this sector. The Finance Law for 2021 (Law No 2020-46), passed by parliament in December 2020, granted, a 10-fold increase in the annual allowable tax free allowance on premiums ....


There has been a small market for pension savings policies in Tunisia because of reliance on state-administered provision.

The draft Finance Law for 2021 proposed, however, a 10-fold increase in the annual allowable tax free allowance on premiums paid for eligible life insurance and capitalisation policies from TND 10,000 (USD 3,268) to TND 100,000 (USD 32,683), subject to a minimum tax of 60% of overall tax payable excluding tax free allowances ....


PA and private medical insurance (PMI) are classified as non-life lines of business, remaining relatively popular in the corporate sector.

Prior to the onset of the COVID-19 pandemic most PMI policies featured infectious disease exclusions, only a few companies did not deploy such exclusions and, in any event, they became a routine feature of all policies in the PMI market in 2020 and 2021. The incurred claims effect of the pandemic on the PMI market was ....

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