AISL Executive Summary
Avec un score AISL ajusté de 7.5/100, Sudan se classe dans la catégorie « hautement restrictif ». En 2025, le marché assurantiel local représentait 63 millions $ (0.2% de pénétration du PIB). Le principal frein réglementaire à l'entrée est la cession légale obligatoire (National Reinsurance Co. 25% + Africa Re 5% + ZEP-RE 10%). Le marché applique par ailleurs un droit de premier refus au bénéfice du réassureur local.
Summary written from available AISL data, some of which is estimated due to a lack of official public sources. Not an opinion, a starting point for analysis.
Economy
Capital
Khartoum
Population
Not documented
GDP
$29.2 B
Currency
SDG
Insurance market
Market size
$63 M
Penetration
0.2%
Density / capita
Not documented
Growth (GDP proxy)
1.2%
Regulatory framework
Regulatory openness
Highly RestrictiveCompulsory cession
Yes
National Reinsurance Co. 25% + Africa Re 5% + ZEP-RE 10%
Active friction mechanisms
2 / 7
Reference year
2025
AISL Score
Market with limited public documentation: underlying market data relies partly or fully on estimation, due to a lack of accessible official figures. Should be treated with caution.
Base score
14.3
Adjusted score (friction)
7.5
Regulatory access
72/100
Methodology breakdown
AISL recommendation: AVOID / HIGH RISK
AISL Score Badge
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Similar markets
Structurally close profiles to Sudan, computed on market size, growth, sector structure, environment and founder judgment.
Market (2025)
Total premiums
$63.0M
Penetration
0.2%
Density / capita
Not documented
Growth
—
Number of insurers
—
International comparison
This market is -97% versus the OECD average (6.2% of GDP, 2024) and -96% 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: Estimation - marche fortement perturbe par la guerre civile depuis avril 2023, penetration tres faible, juillet 2026
Macroeconomic context (2024)
GDP
$29.2 B
GDP growth
1.2%
Population
—
Inflation
60.0%
Currency
SDG
Source: AfDB Sudan Economic Outlook (croissance) + Wikipedia/estimations guerre civile (inflation), juillet 2026
Regulatory mechanisms
National Reinsurance Co. 25% + Africa Re 5% + ZEP-RE 10%
Source: GRF - Reinsurance Trade Barriers and Market Access Issues Worldwide, mai 2026
What this market requires at entry
2 active regulatory mechanisms on this market, with what each one concretely means for entering Sudan.
"What If" Simulator
Each active friction mechanism removes 3.4 points from this market's score (base score: 14.3, before regulatory friction). Uncheck a mechanism below to simulate its removal and see how many points this market would regain — using the exact AISL scoring formula.
Simulated score
7.5
2 mechanisms active (2 × 3.4 = −6.8 pts)
Active reinsurers
9 reinsurers (national + regional operating in this zone), 2021 revenue in USD millions
| Reinsurer | Scope | Revenue 2021 (M$) | 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.
Market signals for Sudan
Green flood alert in Sudan
On 11/08/2026, a flood started in Sudan, lasting until 24/08/2026 (last update). The flood caused 0 deaths and 1146 displaced .
See sourceAISL Summary
- AISL positioning: 8/100, "Highly Restrictive" market.
- Insurance market: $63M, fiscal year 2025.
- Main entry barrier: compulsory cession (National Reinsurance Co. 25% + Africa Re 5% + ZEP-RE 10%).
- Sits 33.1 points below the regional average (5 scored markets).
Regional comparison
Average adjusted score in North Africa : 40.6 (out of 5 scored markets)
Sudan is 33.1 points below the regional average