Insurance Companies from Africa

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Rwanda Insurance

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List of Insurance Companies Logos and Names in Rwanda – World Insurance Companies Logos. Click on the logo image of the insurance companies to get a bunch of updated information for every insurer. We would like to help you find the best assurance. 

List of Insurance Companies Logos and Names in Rwanda

List of Insurance Companies Logos and Names in Rwanda. The symbol of a company is synonymous with its brand. In insurance, the image of the logo is instantly recognizable and allows the customer to associate the company with the useful qualities such as trust, the right price and many other vital issues about finding the best insurance.

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    Rwanda press

    Rwanda’s Economy

    Rwanda’s economy suffered heavily during the 1994 genocide, with widespread loss of life, failure to maintain infrastructure, looting, and neglect of important cash crops. This caused a large drop in GDP and destroyed the country’s ability to attract private and external investment.

    The economy has since strengthened, with per-capita GDP (PPP) estimated at $1,784 in 2015, compared with $416 in 1994. Major export markets include China, Germany, and the United States. The economy is managed by the central National Bank and the currency is the Rwandan franc; in August 2015, the exchange rate was 755 francs to the United States dollar. Rwanda joined the East African Community in 2007, and has ratified a plan for monetary union amongst the five member nations, which could eventually lead to a common East African shilling.

    Rwanda is a country of few natural resources, and the economy is based mostly on subsistence agriculture by local farmers using simple tools.

    The Rwandan Genocide

    The genocide, known officially as the genocide against the Tutsi, was a genocidal mass slaughter of Tutsi and moderate Hutu in Rwanda by members of the Hutu majority government. An estimated 500,000–1,000,000 Rwandans were killed during the 100-day period from April 7 to mid-July 1994, constituting as much as 70% of the Tutsi and 20% of Rwanda’s total population.

    The genocide was planned by members of the core political elite, many of whom occupied positions at top levels of the national government. Perpetrators came from the ranks of the Rwandan army, the Gendarmerie, government-backed militias including the Interahamwe and Impuzamugambi, as well as countless ordinary civilians.

    On April 6, 1994, an airplane carrying Habyarimana and Burundian president Cyprien Ntaryamira was shot down on its descent into Kigali, killing all on board.
    Genocidal killings began the following day; soldiers, police, and militia quickly executed key Tutsi and moderate Hutu leaders, then erected checkpoints and barricades and used Rwandans’ national identity cards to systematically kill Tutsi. These forces recruited or pressured Hutu civilians to arm themselves with machetes, clubs, blunt objects, and other weapons to rape, maim, and kill their Tutsi neighbors and to destroy or steal their property.

    The breach of the peace agreement led the RPF to restart its offensive and rapidly seize control of the northern part of the country before capturing Kigali in mid-July, bringing an end to the genocide. During these events and in their aftermath, the United Nations (UN) and countries, including the United States, the United Kingdom, and Belgium were criticized for their inaction, including failure to strengthen the force and mandate of the UN Assistance Mission for Rwanda (UNAMIR) peacekeepers, while observers criticized the government of France for alleged support of the Hutu-led government after the genocide had begun.

    Today, Rwanda has two public holidays mourning the genocide. The national mourning period begins with Kwibuka, the national commemoration, on April 7 and concludes Liberation Day on July 4. The week following April 7 is an official week of mourning, known as Icyunamo. The genocide served as an impetus for creating the International Criminal Court to eliminate the need for ad hoc tribunals to prosecute genocide, crimes against humanity, and war crimes.
    ​From Wikipedia

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    Top Insurance Companies in Nigeria: Your Comprehensive Guide

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    Welcome to your definitive guide to the insurance landscape in Nigeria. Whether you’re seeking comprehensive general coverage, a robust life policy, essential health insurance, or specialized risk solutions, finding the right provider is crucial. This page presents a categorized list of the most prominent and trusted insurance companies in Nigeria, alongside key financial institutions and regulatory bodies that shape the industry. We aim to help you navigate the options and make informed decisions for your personal and business insurance needs.

    Understanding Insurance in Nigeria

    The Nigerian insurance sector, regulated by the National Insurance Commission (NAICOM), is a dynamic and growing industry. It plays a vital role in protecting individuals, families, and businesses against unforeseen risks. Understanding the different types of providers and their offerings is the first step to securing adequate coverage

    List of Top Insurance Companies and Financial Institutions in Nigeria

    Below is a detailed list of major players in Nigeria’s insurance and related financial sectors, categorized for clarity. Click on the company names for more in-depth information about their services and offerings.

    • All Insurers
    • General & Life Insurers
    • Health Insurance Providers
    • Specialty Insurers & Global Reinsurers
    • Insurance Brokers & Risk Advisors
    • Other Financial Institutions (Banks)
    • Government Schemes & Entities
    • Retirement Savings

    Government Plans & Entities

    The Nigerian government plays a significant role in health insurance and regulation.

    • National Health Insurance Authority (NHIA): (Formerly NHIS) Established by the National Health Insurance Act 2022, its mandate is to promote, regulate, and integrate health insurance schemes, aiming for mandatory health insurance coverage for all Nigerians. It also subsidizes health insurance for vulnerable groups.
    • Federal Ministry of Health & Social Welfare: Develops and implements health policies and programs, collaborating with agencies like the NHIA.
    • State Health Insurance Schemes: Several Nigerian states operate their own health insurance schemes, often in partnership with the NHIA.

    Frequently Asked Questions (FAQ) about Insurance in Nigeria

    Here you will find answers to common questions about purchasing insurance and understanding the insurance sector in Nigeria.

    1. What is NAICOM and what is its role in the Nigerian insurance industry? NAICOM stands for the “National Insurance Commission.” It is the primary regulatory and supervisory body for the insurance industry in Nigeria. Its role is to protect policyholders’ interests, regulate the operations of insurance companies and brokers, set industry standards, and ensure the stability and solvency of the sector.

    2. How can I choose the best insurance company in Nigeria for my needs? To choose the best insurer, consider the following factors:

    • Reputation and Solvency: Research the financial stability and track record of the company. NAICOM publishes reports on insurers.
    • Claims Settlement Efficiency: Check customer reviews regarding the speed and fairness of their claims processing.
    • Product Range: Ensure the company offers the type of coverage you require.
    • Customer Service: Evaluate the quality of customer support and ease of communication.
    • Pricing and Terms: Compare premiums and policy conditions from various insurers.
    • Digital Innovation: Some companies offer mobile apps and online services that make managing your policy easier.

    3. What is an HMO and how does health insurance work in Nigeria? An HMO (Health Maintenance Organization) is a body that provides health insurance plans. In Nigeria, HMOs are the primary providers of health insurance. Policyholders pay a regular premium to an HMO, and in return, the HMO arranges and covers the costs of medical services through a network of associated hospitals, clinics, and pharmacies. The National Health Insurance Authority (NHIA) regulates these HMOs.

    4. Is motor insurance mandatory in Nigeria? Yes, third-party motor liability insurance is mandatory in Nigeria under the Insurance Act 2003. This insurance covers damages or injuries caused to third parties by your vehicle. It is advisable to opt for more comprehensive policies for greater protection, which also covers damage to your own vehicle and other risks.

    5. What role do insurance brokers play in Nigeria? Insurance brokers act as intermediaries between you (the policyholder) and insurance companies. Their role is to advise you on your insurance needs, compare different policies and prices from various insurers, negotiate the best terms on your behalf, and assist you with the claims process. They are regulated by the Nigerian Council of Registered Insurance Brokers (NCRIB).

    6. What is a reinsurer and why is it important? A reinsurer is a company that provides insurance to other insurance companies (known as primary insurers). This allows primary insurers to transfer a portion of their risks to reinsurers, which in turn enables them to underwrite larger policies and protect themselves against catastrophic losses. Key reinsurers in Nigeria include Nigeria Re and Africa Re, which are crucial for the stability of the Nigerian insurance market.

    7. How do I file an insurance claim in Nigeria? The general process for filing a claim involves:

    • Immediate Notification: Inform your insurer or broker as soon as the incident occurs.
    • Documentation: Provide all necessary documents, such as a police report (if applicable), photos, medical bills, receipts, a completed claim form, and any other relevant evidence.
    • Assessment: The insurer or a loss adjuster will assess the claim.
    • Payment: Once the claim is approved, the insurer will proceed with payment according to your policy terms. It is essential to understand your policy terms and adhere to notification deadlines.

    8. What protection do I have as a policyholder in Nigeria? NAICOM is the primary protection body for policyholders in Nigeria. If you have issues with your insurance company, you can file a complaint with NAICOM. Additionally, insurance companies are required to maintain certain capital and solvency levels to ensure they can meet their claim obligations.

    9. Do banking institutions also offer insurance in Nigeria? Yes, many financial institutions, especially large banks, engage in what is known as “bancassurance.” This means they offer insurance products (often through insurance subsidiaries or partnerships) to their banking customers, facilitating access to insurance services alongside traditional banking services. An example is Zenith General Insurance, a subsidiary of Zenith Bank.

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    Niger Insurance

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    Flag of Niger, featured in the: Niger Insurance, post. ​​List of Insurance Companies Logos and Names in Niger – World Insurance Companies Logos. Click on the image of the insurance company logos to get a lot of updated information for each insurer. We would like to help you find the best assurance. 

    ​​List of Insurance Companies Logos and Names in Niger

    ​​List of Insurance Companies Logos and Names in Niger. The symbol of a company is synonymous with its brand. A logotype is immediately recognizable and allows the client to associate the company with appropriate qualities like confidence, the right price and many other vital issues about finding the best insurance.
    Find the best insurance costs, coverage and claim support. Select the insurer you are confident in.

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      Niger

      It borders Nigeria and Benin to the south, Burkina Faso and Mali to the west, Algeria and Libya to the north and Chad to the east. The country covers a land area of almost 1,270,000 km2, making it the largest nation in West Africa, with over 80 percent of its land area covered by the Sahara desert.

      The country’s predominantly Islamic population of just above 15,000,000 is mostly clustered in the far south and west of the nation. The capital city is Niamey, located in the far-southwest corner of the country.

      The economy centers on subsistence crops, livestock, and some of the world’s largest uranium deposits. Drought cycles, desertification, a 2.9% population growth rate, and the drop in world demand for uranium have undercut the economy.
      Niger is a landlocked nation in West Africa located along the border between the Sahara and Sub-Saharan regions. 

      This country borders seven countries and has a total perimeter of 5,697 kilometers (3,540 mi). The longest border is with Nigeria to the south (1,497 km/930 mi). This is followed by Chad to the east, at 1,175 km (730 mi), Algeria to the north-northwest (956 km/594 mi), and Mali at 821 km (510 mi). This nation also has small borders in its far southwest with Burkina Faso at 628 km (390 mi) and Benin at 266 km (165 mi) and to the north-northeast Libya 354 km (220 mi).

      Climate
      Niger’s subtropical climate is mainly very hot and dry, with much desert area. In the extreme south, there is a tropical climate on the edges of the Niger River basin. The terrain is predominantly desert plains and sand dunes, with flat to rolling savanna in the south and hills in the north.

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      Namibia Insurance

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      Flag of Namibia, featured in the: Namibia Insurance, post. ​​List of Insurance Companies Logos and Names in Namibia – World Insurance Companies Logos. Click on the logos of the insurers to get a bunch of up-to-date information for each insurer. We want to help you get the best assurance. ​ 

      ​​List of Insurance Companies Logos and Names in Namibia

      ​​List of Insurance Companies Logos and Names in Namibia. The graphic mark of a company is synonymous with its brand. A logotype is instantly recognizable and allows the customer to associate the company with the useful qualities such as trust, the right price and many other vital issues about finding the best coverage.

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        Namibian Economy 

        ​Sectors
        This country is heavily dependent on the extraction and processing of minerals for export. Taxes and royalties from mining account for 25% of its revenue. The bulk of the revenue is created by diamond mining, which made up 7.2% of the 9.5% that mining contributes to Namibia’s GDP in 2011.

        Rich alluvial diamond deposits make this region a primary source for gem-quality diamonds. Namibia is a large exporter of uranium and over the years the mining industry has seen a decline in the international commodity prices such as uranium, which has led to the reason behind several uranium projects being abandoned.

        Experts say that the prices are expected to rise in the next 3 years because of an increase in nuclear activities from both Japan and China. The mining industry in Namibia is supposedly going to reach US1.79bn by the year 2018

        Mining and energy

        Diamond production totalled 1.5 million carats (300 kg) in 2000, generating nearly $500 million in export earnings. Other important mineral resources are uranium, copper, lead, and zinc. The country also is a source of gold, silver, tin, vanadium, semiprecious gemstones, tantalite, phosphate, sulphur, and salt.

        This nation is the fourth-largest exporter of nonfuel minerals in Africa, the world’s fifth-largest producer of uranium, and the producer of large quantities of lead, zinc, tin, silver, and tungsten.

        Namibia has two uranium mines that are capable of providing 10% of the world mining output. The mining sector employs only about 3% of the population while about half of the population depends on subsistence agriculture for its livelihood. Namibia normally imports about 50% of its cereal requirements; in drought years food shortages are a major problem in rural areas.

        During the pre-independence period, large areas of Namibia, including offshore, were leased for oil prospecting. Some natural gas was discovered in 1974 in the Kudu Field off the mouth of the Orange River, but the extent of this fund is only now being determined.

        Health in Namibia

        1. Healthcare System: Namibia has made significant efforts to improve its healthcare system, which includes a mix of public and private healthcare providers. The country has been working to expand healthcare facilities and enhance the quality of medical services.
        2. Healthcare Access: Despite improvements, access to healthcare remains a challenge, particularly in rural and remote areas. The distribution of healthcare facilities and medical professionals can be uneven, leading to disparities in access to services.
        3. Infectious Diseases: Namibia faces various infectious diseases, including HIV/AIDS, malaria, tuberculosis, and hepatitis. HIV/AIDS has been a significant health concern, and the government has implemented programs to combat the spread of the disease and provide antiretroviral treatment.
        4. Maternal and Child Health: Efforts have been made to improve maternal and child health in Namibia. Maternal mortality rates have decreased, and there have been improvements in child vaccination rates and access to prenatal and postnatal care.
        5. Non-Communicable Diseases (NCDs): Like many countries, Namibia has seen an increase in non-communicable diseases such as diabetes, cardiovascular diseases, and cancer. Addressing these health issues has become a priority for the healthcare system.
        6. Mental Health: Mental health is an emerging concern in Namibia, and efforts are being made to increase awareness and improve access to mental health services.
        7. Healthcare Infrastructure: Namibia has been investing in expanding and upgrading healthcare infrastructure, aiming to provide better healthcare services to its population.
        8. Health Insurance: The government of Namibia has introduced the National Health Insurance (NHI) scheme, aimed at providing universal health coverage and improving access to healthcare services for all citizens.
        9. Water and Sanitation: Access to clean water and sanitation is essential for public health. Namibia has been working on improving water and sanitation facilities in both rural and urban areas to reduce the risk of waterborne diseases.

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        Mozambique Insurance

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        List of Insurance Companies Logos and Names in Mozambique

        List of Insurance Companies Logos and Names in Mozambique. The graphic mark of a company is synonymous with its brand. A logotype is instantly recognizable and allows the customer to associate the company with the useful qualities such as trust, the right price and many other vital issues about finding the best coverage.

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          Health in Mozambique

          1. Healthcare System: Mozambique’s healthcare system is primarily public, with a significant number of health facilities run by the government. However, access to healthcare services can be limited, especially in rural and remote areas.
          2. Healthcare Access: Many Mozambicans still struggle to access essential healthcare services, including primary care and specialized treatments. The country’s healthcare infrastructure and resources are often inadequate to meet the needs of the growing population.
          3. Infectious Diseases: Mozambique has faced significant challenges related to infectious diseases, such as malaria, HIV/AIDS, and tuberculosis. Malaria is particularly prevalent and remains a major public health concern.
          4. Maternal and Child Health: Maternal and child health indicators have improved over the years, but challenges persist. Maternal mortality rates are relatively high, and there are still issues with access to quality prenatal and postnatal care, as well as skilled birth attendants.
          5. Malnutrition: Malnutrition is a serious concern in Mozambique, especially among children under five years old. Nutritional deficiencies can lead to stunted growth and other health problems.
          6. Natural Disasters and Health Emergencies: Mozambique is prone to natural disasters, such as cyclones and floods, which can disrupt healthcare services and exacerbate existing health challenges.
          7. Access to Clean Water and Sanitation: Access to clean drinking water and proper sanitation facilities remains limited in some regions, contributing to the spread of waterborne diseases.
          8. Healthcare Funding: The Mozambican government has been working to improve healthcare funding and invest more in the health sector. However, financial constraints continue to impact the availability and quality of healthcare services.

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          Mauritania Insurance

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          ​​List of Insurance Companies Logos and Names in Mauritania

          The graphic mark of a company is synonymous with its brand. In insurance, a logotype is immediately recognizable and allows the customer to associate the business with the useful qualities like trust, the right price and many other vital issues about finding the best insurance.

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            Mauritania press

            Mauritania

            This country, is an Arab Maghreb country in West Africa. It is bordered by the Atlantic Ocean in the west, by Western Sahara (controlled by Morocco) in the north, by Algeria in the northeast, by Mali on the east and southeast, and by Senegal on the southwest. It is named after the ancient Berber Kingdom of Mauretania, which later became a province of the Roman Empire, even though the modern Mauritania covers a territory far to the south of the old Berber kingdom that had no relation with it.

            The capital and largest city is Nouakchott, located on the Atlantic coast.
            The government of this nation was overthrown on 6 August 2008, in a military coup d’état led by General Mohamed Ould Abdel Aziz. On 16 April 2009, General Aziz resigned from the military to run for president in the 19 July elections, which he won. In Mauritania about 20% of the population live on less than US$1.25 per day.
            Slavery in Mauritania has been called a major human rights issue as well as female genital mutilation, child labor, and human trafficking

            Economy
            Graphical depiction of Mauritania’s product exports in 28 color-coded categories
            Despite being rich in natural resources, this nation has one of the lowest GDP rates in Africa. A majority of the population still depends on agriculture and livestock for a livelihood, even though most of the nomads and many subsistence farmers were forced into the cities by recurrent droughts in the 1970s and 1980s.

            Mauritania has extensive deposits of iron ore, which account for almost 50% of total exports. With the current rises in metal prices, gold and copper mining companies are opening mines in the interior. The country’s first deepwater port opened near Nouakchott in 1986. In recent years, drought and economic mismanagement have resulted in a buildup of foreign debt. In March 1999, the government signed an agreement with a joint World Bank-International Monetary Fund mission on a $54 million enhanced structural adjustment facility (ESAF).

            The economic objectives have been set for 1999–2002. Privatization remains one of the key issues. Mauritania is unlikely to meet ESAF’s annual GDP growth objectives of 4%–5%.

            Oil was discovered in Mauritania in 2001 in the offshore Chinguetti field. Although potentially significant for the Mauritanian economy, it remains to be seen how much it will help the country. Mauritania has been described as a “desperately poor desert nation, which straddles the Arab and African worlds and is Africa’s newest, if small-scale, oil producer.” There may be additional oil reserves inland in the Taoudeni basin, although the harsh environment will make extraction expensive.

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            Mauritius Insurance

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            ​​Flag of Mauritius, featured in the: Mauritius Insurance, post List of Insurance Companies Logos and Names in Mauritius – World Insurance Companies Logos. Click on the insurance company logos to get a bunch of up-to-date information from each insurer in Mauritius. We would like to help you find the best assurance. 

            ​​List of Insurance Companies Logos and Names in Mauritius

            ​​List of Insurance Companies Logos and Names in Mauritius. The graphic mark of a company is synonymous with its brand. In insurance, a logotype is instantly recognizable and allows the customer to associate the company with the useful qualities such as trust, the right price and many other vital issues about finding the best insurance

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              Mauritius press

              Economy of Mauritius

              ​Since independence in 1968, Mauritius has developed from a low-income, agriculturally based economy to a middle-income diversified economy with growing industrial, financial, and tourist sectors. For most of the period, annual growth has been in the order of 5% to 6%.

              This compares very favorably with other sub-Saharan African countries and is largely due to sustained progress in economic conditions; between 1977 and 2008, growth averaged 4.6% compared with a 2.9% average in sub-Saharan Africa. Also important is that it has achieved what few fast growing economies achieve, a more equitable income distribution and inequality (as measured by the Gini coefficient) fell from 45.7 to 38.9 between 1980 and 2006.

              This remarkable achievement has been reflected in increased life expectancy, lowered infant mortality, and a much-improved infrastructure. Sugarcane is grown on about 90% of the cultivated land area and accounts for 25% of export earnings.

              The government’s development strategy centers on expanding local financial institutions and building a domestic information telecommunications industry. Mauritius has attracted more than 9,000 offshore entities, many aimed at commerce in India and South Africa, and investment in the banking sector alone has reached over $1 billion. Mauritius, with its strong textile sector, has been well poised to take advantage of the Africa Growth and Opportunity Act (AGOA).

              Mauritius has attracted US$10.98 billion in Foreign direct investment inflows. Top sectors attracting FDI inflows from Mauritius (from January 2000 to December, 2005) are electrical equipment, telecommunications, fuels, cement and gypsum products and services sector (financial and non-financial).

              With a well-developed legal and commercial infrastructure and a tradition of entrepreneurship and representative government, Mauritius is one of the developing world’s most successful democracies. The economy has shown a considerable degree of resilience, and an environment already conducive to dynamic entrepreneurial activity has moved further toward economic freedom. The island’s institutional advantages are noticeable.

              A transparent and well-defined investment code and legal system have made the foreign investment climate in Mauritius one of the best in the region. Taxation is competitive and efficient. The economy is increasingly diversified, with significant private-sector activity in sugar, tourism, economic processing zones, and financial services, particularly in offshore enterprises.

              The government is trying to modernize the sugar and textile industries, which in the past were overly dependent on trade preferences, while promoting diversification into such areas as information and communications technology, financial and business services, seafood processing and exports, and free trade zones.

              Agriculture and industry have become less important to the economy, and services, especially tourism, accounted for over 72 percent of GDP. The government still owns utilities and controls imports of rice, flour, petroleum products, and cement.

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              Morocco Insurance

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              Flag of Morocco, featured in the: Morocco Insurance, post. Morocco Insurance – World Insurance Companies Logos​. Click on the logos of the insurance companies to get a bunch of up-to-date information for every insurer in MOROCCO. We would like to help you find the best assurance. 

              List of Insurance Companies Logos and Names in Morocco

              List of Insurance Companies Logos and Names in Morocco. The graphic mark of a company is synonymous with its brand. In insurance, a logotype is immediately recognizable and allows the customer to associate the business with the useful qualities like trust, the right price and many other vital issues about finding the best insurance.

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                Morocco press

                Health in Morocco

                1. Healthcare System: Morocco has made significant strides in developing its healthcare system. The country has a mix of public and private healthcare facilities, with major cities having well-equipped hospitals and medical centers. However, rural areas may still face limitations in terms of access to quality healthcare.
                2. Healthcare Access: Access to healthcare remains a challenge for certain segments of the population, particularly those in remote and underserved areas. Economic disparities can also affect access to healthcare services for some individuals.
                3. Infectious Diseases: Like many countries, Morocco has faced infectious disease challenges. Some prevalent diseases include tuberculosis, hepatitis, and HIV/AIDS. The government has been working to control the spread of these diseases through various health initiatives.
                4. Non-Communicable Diseases (NCDs): NCDs such as cardiovascular diseases, diabetes, and cancer have been on the rise in Morocco, partly due to changes in lifestyle and an aging population. Addressing these health issues has become a priority for the healthcare system.
                5. Maternal and Child Health: Efforts have been made to improve maternal and child health in Morocco. Maternal mortality rates have decreased, and there have been improvements in child vaccination rates and access to prenatal and postnatal care.
                6. Health Infrastructure: The Moroccan government has invested in building and upgrading healthcare infrastructure across the country, which has contributed to better healthcare delivery in some regions.
                7. Health Insurance: Morocco has implemented a compulsory health insurance scheme called “Regime d’Assistance Medicale” (RAMED), which aims to provide access to healthcare for vulnerable and low-income populations.

                Stop Bankrupting our Oceans: Europe Votes on the Future of Fish

                Citizens, fishermen, industry leaders and WWF urge Members of the European Parliament (MEPs) to end 30 years of ocean mismanagement and overfishing and endorse ambitious reform of the Common Fisheries Policy (CFP).

                For the first time MEPs have a say in CFP reform. In December last year the Parliament’s Fisheries Committee voted 13 to 10 in favor of a draft report on the CFP Basic Regulation, the cornerstone of the reform package, that would allow fish stocks to recover and create the basis for sustainable fisheries in the European Union (EU). The whole Parliament will now vote on this report on 6 February.

                “For 30 years fisheries have been pushed to the edge of bankruptcy by fisheries ministers who have sanctioned overfishing and listened to scientific advice and limits only 13 per cent of the time in the past decade. Now the European Parliament has a historic opportunity to put this right and succeed where ministers have failed”, said Tony Long, Director of WWF’s European Policy Office.Posted on 05 February 2013 

                From WWF

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                  Healthcare in Malawi

                  Malawi has a three-tier healthcare system in which each level is connected by a patient referral system. However the health system structure exist in publications only where it mirrors national health systems in the West and just whilst just like other systems in Malawi, it does not function. This is largely due to lack of manpower, lack of basic/expert skills set, overpopulation, lack of equipment/technology, corruption, lack of political commitment, lack of sufficient funds, poor prioritisation in budgeting and low motivation among personnel.

                  According to World Health Organization Report, the Malawi health system ranks number 185 out of 190. The figurative picture of the health system can be created by understanding the indicators of a failing system or the mere non existence of the system. There is no emergency systems in place for medical services, fire service or crime response (no ambulated paramedic response system, as in a 112 or 999 service).

                  Where there’s a need to obtain such services, victims are required to meet the cost. Only the very few privately run hospitals in the two major cities of Blantyre and Lilongwe have very limited non purposely built vehicles serving as basic ambulances used to transport their paying patients mostly without life saving equipment onboard or an on-board paramedic.

                  In April 2012, the then State President suffered a cardiac arrest which resulted in his death due to lack of medication both within the presidential medical team and at the main referral hospital where he was attended to. As of 2016, Malawi has only one qualified cardiologist consultant who is based in a private hospital.

                  A recent survey indicates that, unlike in cases of HIV, Malaria, or TB, patients suffering from diseases which require expert clinical skills and equipment, i.e., cardiac or neural related problems, are likely to receive wrong diagnosis and incorrect treatment or medication resulting to in unnecessarily high mortality rates. There is no provider of aeromedical service within Malawi.

                  Malawi has the lowest ranking in health system among countries which are not affected by civil wars, however the medical services delivered still rank lower than some war torn countries. There is no national record information system for patient records. Most common medication found in hospital pharmacies in the west are not available locally, i.e., treatment for the heart diseases or cancer are unavailable. There is an uncontrolled circulation of internationally banned drugs or out-of-date drugs in flea markets.

                  From Wikipedia

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                    INSURANCE COMPANIES 

                     According to the audited financial statements for 2004, the BCM had a negative equity equivalent to US$26 million, and reported operating losses after each of the last three years. In 2004, the losses of the BCM amounted to the equivalent of US$14 million (or 1.5 percent of its total assets).

                    The losses have been largely due to the absence of remuneration on a significant amount of loans to the government, write off losses due to financial transactions assumed on behalf of the treasury and high operating expenditures. 

                    Loans to the government stood at around 21 percent of total assets of the BCM at end-2004. The bulk of these loans (77 percent of the total) consisted of unpaid, BCM-guaranteed London Club debt, which the BCM had to assume when the guarantee was called. BCM loans to a former state enterprise, for which the obligations were transferred to the state when the company was privatized, have also remained unremunerated and account for an additional 15 percent of the total exposure of BCM in the state. 
                    A financially strong BCM is needed to ensure its ability to carry out its prime functions.

                    Failure to promptly address the losses and their causes could interfere with monetary and exchange rate management, performance of the LOLR function, and/or jeopardize the supervisory functions of the CSBF, which is funded and staffed by the BCM‚Äîand is currently in need of reinforcement in human and financial resources. 

                    The underlying causes of the insolvency of the BCM, e.g., the ongoing operating losses, need to be urgently addressed. The authorities intend to seek Fund TA to develop a basis for the sustained financial viability of the BCM.

                    Key measures to return the BCM to profitability are: (i)either remuneration at market rates of all government debt on the central bank‚ balance sheet, or repayment or other forms of removal by the treasury from the BCM‚Äôs balance sheet; (ii) review of non-interest operating expenditures with a view to their reduction to a level commensurate with revenues; and (iii) non-recurrence of transfers of government debt or quasi-fiscal expenses to the BCM, other than through statutory advances on tax revenues at the beginning of the budget year, provided these advances are at an acceptable level and are promptly repaid. Supervisory regime are the necessary conditions for the development of the sector.

                    A new insurance code, largely in conformity with international standards, was adopted in 1999 but has not been effectively implemented. 

                    The insurance market is dominated by two state-owned insurance companies, which hold a market share of 89 percent of premium income. There has been no foreign presence since the 1975 nationalization of a French insurer. However, foreign companies have expressed an interest in entering the market, although reportedly not as potential parties to the planned but long-delayed privatization of the two state-owned companies. 

                    From IMF

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