AISL Executive Summary
DR Congo obtient un score AISL ajusté de 31.3/100 (hautement restrictif). En 2024, le marché assurantiel local représentait 378 millions $ (0.5% de pénétration du PIB). Aucune cession obligatoire n'est identifiée pour ce marché, ce qui simplifie l'accès direct par rapport à d'autres marchés du continent. Le marché applique par ailleurs plusieurs mécanismes complémentaires : une exigence de capacité locale et une accréditation préalable auprès du régulateur.
Summary written from verified AISL data, not an opinion, a starting point for analysis.
Economy
Capital
Kinshasa
Population
Not documented
GDP
$76.7 B
Currency
CDF
Insurance market
Market size
$378 M
Penetration
0.5%
Density / capita
Not documented
Growth (GDP proxy)
5.5%
Regulatory framework
Regulatory openness
Highly RestrictiveCompulsory cession
No
Active friction mechanisms
2 / 7
Reference year
2024
AISL Score
Base score
38.1
Adjusted score (friction)
31.3
Regulatory access
72/100
Methodology breakdown
AISL recommendation: AVOID / HIGH RISK
AISL Score Badge
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Similar markets
Structurally close profiles to DR Congo, computed on market size, growth, sector structure, environment and founder judgment.
Market (2024)
Vie : 9%
$35.1M
Non-vie : 91%
$342.8M
Total : $377.9M
Total premiums
$377.9M
Penetration
0.5%
Density / capita
Not documented
Growth
—
Number of insurers
—
International comparison
This market is -92% versus the OECD average (6.2% of GDP, 2024) and -91% versus the average across all reporting jurisdictions (5.4%, 2024).
Source: OECD, Global Insurance Market Trends 2025. These averages cover jurisdictions reporting to the OECD, not an exhaustive global sample.
Source: Atlas Magazine - African Insurance Market 2024
Macroeconomic context (2024)
GDP
$76.7 B
GDP growth
5.5%
Population
—
Inflation
8.0%
Currency
CDF
Source: AfDB DRC Economic Outlook, juillet 2026
Regulatory mechanisms
Source: GlobalData DRC Insurance Industry Report, ARCA, CG Re Africa (Reinsurance News), juillet 2026 - PAS de source GRF dediee
What this market requires at entry
2 active regulatory mechanisms on this market, with what each one concretely means for entering DR Congo.
"What If" Simulator
Each active friction mechanism removes 3.4 points from this market's score (base score: 38.1, before regulatory friction). Uncheck a mechanism below to simulate its removal and see how many points this market would regain — using the exact AISL scoring formula.
Simulated score
31.3
2 mechanisms active (2 × 3.4 = −6.8 pts)
Market players
10 companies, 2024 premiums in USD millions
Market concentration
ConcentratedHHI 187055
Leader: Rawsur SA (31.5%) — 10 companies
HHI = Herfindahl-Hirschman Index, a standard market concentration measure (sum of squared shares). <1500 = competitive, 1500-2500 = moderately concentrated, >2500 = concentrated.
Segment Life (3 companies)
| Company | 2024 premiums (M$) | Market share | Change | 2025(estimated) | 2026(estimated) | 2027(estimated) | 2028(estimated) |
|---|---|---|---|---|---|---|---|
| Activa Vie RDC | 21.0 | 5.5% | — | 22.2 | 23.4 | 24.7 | 26.0 |
| Rawsur Life SA | 9.5 | 2.5% | — | 10.0 | 10.6 | 11.2 | 11.8 |
| Afrissur Assurance Vie | 4.2 | 1.1% | — | 4.4 | 4.7 | 4.9 | 5.2 |
Segment Non-Life (7 companies)
| Company | 2024 premiums (M$) | Market share | Change | 2025(estimated) | 2026(estimated) | 2027(estimated) | 2028(estimated) |
|---|---|---|---|---|---|---|---|
| Rawsur SA | 120.0 | 31.5% | -0.4% | 84.0 | 58.8 | 41.2 | 28.8 |
| Societe Financiere d'Assurance du Congo (SFA) | 76.0 | 20.0% | -0.5% | 53.2 | 37.2 | 26.1 | 18.2 |
| Societe Nationale d'Assurances (SONAS) | 64.0 | 16.8% | -0.4% | 44.8 | 31.4 | 22.0 | 15.4 |
| Activa Assurance RDC | 33.0 | 8.7% | -0.4% | 23.1 | 16.2 | 11.3 | 7.9 |
| Mayfair Insurance Congo SA | 31.0 | 8.1% | -0.3% | 21.7 | 15.2 | 10.6 | 7.4 |
| Global Pionner Assurance (GPA) | 11.0 | 2.9% | -0.5% | 7.7 | 5.4 | 3.8 | 2.6 |
| Allianz Congo | 11.0 | 2.9% | -0.2% | 8.6 | 6.8 | 5.3 | 4.2 |
Market share: official source figure when available, otherwise computed from the companies listed for this segment (not necessarily 100% of the country's total market). The 2025-2028 columns, in italics, are projections: never a blank cell, but the color indicates the reliability of the method used: gray = company-specific growth rate, amber = failing that, the country's market growth, orange = failing that, the country's GDP growth, light red = no growth data available, flat 0% by default.
Active reinsurers
9 reinsurers (national + regional operating in this zone), 2021 revenue in USD millions
| Reinsurer | Scope | Revenue 2021 (M$) | Net income (M$) | Observed growth | 2022(est.) | 2023(est.) | 2024(est.) | 2025(est.) | 2026(est.) | 2027(est.) | 2028(est.) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Ghana Re - Kenya | Regional | — | — | — | — | — | — | — | — | — | — |
| Zep Re - Zimbabwe | Regional | — | — | — | — | — | — | — | — | — | — |
| Zep Re | Regional | — | — | — | — | — | — | — | — | — | — |
| CICA - Re | Regional | — | — | — | — | — | — | — | — | — | — |
| Waica Re - Kenya | Regional | — | — | — | — | — | — | — | — | — | — |
| WAICA Re - Zimbabwe | Regional | — | — | — | — | — | — | — | — | — | — |
| Zep Re (PTA Reinsurance Co) | Regional | 213.0 | 18.1 | +2.3% | 218.0 | 223.0 | 228.0 | 233.2 | 238.6 | 244.0 | 249.6 |
| CICA-RE | Regional | 176.2 | 13.4 | +11.3% | 196.1 | 218.3 | 243.0 | 270.6 | 301.3 | 335.5 | 373.7 |
| WAICA Re | Regional | 153.3 | 19.9 | +49.5% | 229.5 | 343.3 | 513.5 | 768.1 | 1148.9 | 1719.1 | 2572.0 |
Source: Atlas Magazine, Reinsurance Yearbook 2023. Last real data available: fiscal year 2021 (left-hand columns). The "2028 revenue (estimated)" column, in italic gray, is a projection based solely on the growth rate observed between 2020 and 2021 (capped between -30% and +50%/year); this is not an observed figure and should be treated with caution, particularly for companies with volatile or negative net income.
AISL Summary
- AISL positioning: 31/100, "Highly Restrictive" market.
- Insurance market: $378M, fiscal year 2024.
- No compulsory cession identified, more direct access than elsewhere on the continent.
- Sits 5.1 points above the regional average (8 scored markets).
Regional comparison
Average adjusted score in Central Africa : 26.2 (out of 8 scored markets)
DR Congo is 5.1 points above the regional average