4 Industry Outlook
4.1 Industry Indicators
4.1.1 Direct written premium
4.1.2 Insurance density
5 Life Insurance Outlook
5.1 Segment Indicators
5.1.1 Direct written premium
5.1.2 Penetration
5.1.3 Assets and investments
6 General Insurance Outlook
6.1 Segment Indicators
6.1.1 Direct written premium
6.1.2 Penetration
6.1.3 Assets and investments
6.2 Property Insurance
6.2.1 Direct written premium
6.2.2 Penetration
6.3 Motor Insurance
6.3.1 Direct written premium
6.3.2 Penetration
6.4 Liability Insurance
6.4.1 Direct written premium
6.4.2 Penetration
6.5 Personal Accident and Health Insurance
6.5.1 Direct written premium
6.5.2 Penetration
6.6 Miscellaneous
6.6.1 Direct written premium
6.6.2 Penetration
9 Natural and Man-Made Hazard
9.1 Flooding
9.2 Droughts
9.3 Landslides
9.4 Wild Storms
9.5 Earthquakes
9.6 Man-Made Hazards
9.7 Exposure
10 Competitive Landscape
10.1 Company Profiles
10.1.1 Sonarwa General Insurance Ltd - company overview
10.1.2 Soras Assurances Generales Ltd - company overview
10.1.3 Saham Assurance Rwanda Ltd - company overview
10.1.4 RSSB - Medical Scheme (RSSB - MEDICAL) - company overview
10.1.5 Mayfair Insurance company Rwanda Ltd - company overview
11 Governance, Risk and Compliance
11.1 Legislation Overview and Historical Evolution
11.2 Latest Changes in Regulation
11.3 Legislation and Market Practice by Type of Insurance
11.3.1 Life insurance
11.3.2 Property insurance
11.3.3 Motor insurance
11.3.4 Liability insurance
11.3.5 Marine, aviation and transit insurance
11.3.6 Personal accident and health insurance
11.4 Compulsory Insurance
11.4.1 Professional indemnity insurance for insurance brokers, agents and loss adjusters
11.4.2 Motor third-party liability insurance
11.4.3 Social health insurance
11.5 Supervision and Control
11.5.1 International Association of Insurance Supervisors
11.5.2 National Bank of Rwanda
11.6 Non-Admitted Insurance Regulations
11.6.1 Overview
11.6.2 Intermediaries
11.6.3 Market practices
11.6.4 Fines and Penalties
11.7 Company Registration and Operations
11.7.1 Type of insurance organization
11.7.2 Establishing a local company
11.7.3 Foreign ownership
11.7.4 Types of license
11.7.5 Capital requirements
11.7.6 Solvency margin
11.7.7 Reserve requirements
11.7.8 Investment regulations
11.7.9 Statutory return requirements
11.7.10 Fee structure
11.8 Taxation
11.8.1 Insurance premium or policy taxation
11.8.2 Withholding taxes on premium paid overseas
11.8.3 Corporate tax
11.8.4 VAT
11.8.5 Captives
11.9 Legal System
11.9.1 Introduction
11.9.2 Access to court
11.9.3 Alternative dispute resolution
12 Databook
12.1 Life Insurance
12.1.1 Policies and premium
12.1.2 Claims and expenses
12.1.3 Assets and investments
12.2 General Insurance
12.2.1 Policies and premium
12.2.2 Assets and investments
12.2.3 Property insurance
12.2.4 Property insurance by category
12.2.5 Motor insurance
12.2.6 Motor insurance by category
12.2.7 Liability insurance
12.2.8 Personal accident and health insurance
12.2.9 Miscellaneous
13 Definitions and Methodology
13.1 Definitions
13.2 Methodology
14 About the Publisher
14.1 Contact the Publisher
14.2 About the Publisher
14.3 Services
14.4 Disclaimer
List of Tables
Table 1: Rwandan Insurance Industry - Key Facts, 2017
Table 2: Rwandan Insurance Industry - Leading Insurers, 2017
Table 3: Rwandan Government Credit Ratings
Table 4: Rwandan Insurance Industry - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 5: Rwandan Insurance Industry - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 6: Rwandan Insurance Industry - Density (RWF), 2013-2017
Table 7: Rwandan Insurance Industry - Density (RWF), 2017-
Table 8: Rwandan Life Insurance - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 9: Rwandan Life Insurance - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 10: Rwandan Life Insurance - Total Investment Income (RWF Million and US$ Million), 2013-2017
Table 11: Rwandan Life Insurance - Total Investment Income (RWF Million and US$ Million), 2017-
Table 12: Rwandan Life Insurance - Investment Portfolio (RWF Billion), 2013-2017
Table 13: Rwandan Life Insurance - Investment Portfolio (RWF Billion), 2017-
Table 14: Rwandan General Insurance - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 15: Rwandan General Insurance - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 16: Rwandan General Insurance - Total Investment Income (RWF Billion and US$ Million), 2013-2017
Table 17: Rwandan General Insurance - Total Investment Income (RWF Billion and US$ Million), 2017-
Table 18: Rwandan General Insurance - Investment Portfolio (RWF Billion), 2013-2017
Table 19: Rwandan General Insurance - Investment Portfolio (RWF Billion), 2017-
Table 20: Rwandan Property Insurance - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 21: Rwandan Property Insurance - Direct Written Premium (RWF Billion and US$ Billion), 2017-
Table 22: Rwandan Motor Insurance - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 23: Rwandan Motor Insurance - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 24: Rwandan Liability Insurance - Direct Written Premium (RWF Million and US$ Thousand), 2013-2017
Table 25: Rwandan Liability Insurance - Direct Written Premium (RWF Million and US$ Thousand), 2017-
Table 26: Rwandan Personal Accident and Health Insurance - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 27: Rwandan Personal Accident and Health Insurance - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 28: Rwandan Miscellaneous - Direct Written Premium (RWF Billion and US$ Million), 2013-2017
Table 29: Rwandan Miscellaneous - Direct Written Premium (RWF Billion and US$ Million), 2017-
Table 30: Rwandan Reinsurance - Premium Ceded by Insurance Segment (RWF Billion), 2013-2017
Table 31: Rwandan Reinsurance - Premium Ceded by Insurance Segment (RWF Billion), 2017-
Table 32: Rwandan Insurance Companies, 2017
Table 33: Sonarwa General Insurance Limited - Key Facts
Table 34: Soras Assurances Generales Ltd - Key Facts
Table 35: Saham Assurance Rwanda Limited - Key Facts
Table 36: RSSB - Medical Scheme (RSSB - MEDICAL - Key Facts
Table 37: Mayfair Insurance company Rwanda ltd - Key Facts
Table 38: Rwanda - Insurance Regulatory Framework Key Features
Table 39: Rwanda - Pecuniary Sanctions
Table 40: Rwanda - Pecuniary Sanctions
Table 41: Rwanda - Life Insurance Regulatory Framework
Table 42: Rwanda - Property Insurance Regulatory Framework
Table 43: Rwanda - Motor Insurance Regulatory Framework
Table 44: Rwanda - Liability Insurance Regulatory Framework
Table 45: Rwanda - Investment Limits
Table 46: Rwanda - Fee Structure
Table 47: Rwanda - Corporate Tax Rates for the Financial Year 2017
Table 48: Rwandan Life Insurance - Policies and Premium, 2013-2017
Table 49: Rwandan Life Insurance - Policies and Premium, 2017-
Table 50: Rwandan Life Insurance - Claims and Expenses, 2013-2017
Table 51: Rwandan Life Insurance - Claims and Expenses, 2017-
Table 52: Rwandan Life Insurance - Assets and Investments, 2013-2017
Table 53: Rwandan Life Insurance - Assets and Investments, 2017-
Table 54: Rwandan General Insurance - Policies and Premium, 2013-2017
Table 55: Rwandan General Insurance - Policies and Premium, 2017-
Table 56: Rwandan General Insurance - Assets and Investments, 2013-2017
Table 57: Rwandan General Insurance - Assets and Investments, 2017-
Table 58: Rwandan General Insurance - Property Insurance, 2013-2017
Table 59: Rwandan General Insurance - Property Insurance, 2017-
Table 60: Rwandan General Insurance - Property Insurance by Category, 2013-2017
Table 61: Rwandan General Insurance - Property Insurance by Category, 2017-
Table 62: Rwandan General Insurance - Motor Insurance, 2013-2017
Table 63: Rwandan General Insurance - Motor Insurance, 2017-
Table 64: Rwandan General Insurance - Motor Insurance by Category, 2013-2017
Table 65: Rwandan General Insurance - Motor Insurance by Category, 2017-
Table 66: Rwandan General Insurance - Liability Insurance, 2013-2017
Table 67: Rwandan General Insurance - Liability Insurance, 2017-
Table 68: Rwandan General Insurance - Personal Accident and Health Insurance, 2013-2017
Table 69: Rwandan General Insurance - Personal Accident and Health Insurance, 2017-
Table 70: Rwandan General Insurance - Miscellaneous, 2013-2017
Table 71: Rwandan General Insurance - Miscellaneous, 2017-
Table 72: Insurance Industry Definitions
List of Figures
Figure 1: Rwandan Real GDP (RWF Trillion), 2013-
Figure 2: Rwandan Exchange Rate (RWF per US$), 2013-
Figure 3: Rwandan Consumer Price Inflation (%), 2013-
Figure 4: Rwandan Current Account Balance as Percentage of GDP (%), 2013-
Figure 5: Rwandan Unemployment Rate, 2013-
Figure 6: Rwandan Population by Age Group, 2013-
Figure 7: Rwandan Insurance Industry - Direct Written Premium (RWF Billion), 2013-
Figure 8: Rwandan Insurance Industry - Density (RWF), 2013-
Figure 9: Rwandan Life Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 10: Rwandan Life Insurance - Penetration (%), 2013-2017
Figure 11: Rwandan Life Insurance - Penetration (%), 2017-
Figure 12: Rwandan Life Insurance - Total Investment Income (RWF Billion), 2013-
Figure 13: Rwandan Life Insurance - Investment Portfolio (RWF Billion), 2013-
Figure 14: Rwandan Life Insurance - Investment Portfolio Dynamics (RWF Billion), 2013-
Figure 15: Rwandan General Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 16: Rwandan General Insurance - Penetration (%), 2013-2017
Figure 17: Rwandan General Insurance - Penetration (%), 2017-
Figure 18: Rwandan General Insurance - Total Investment Income (RWF Billion), 2013-
Figure 19: Rwandan General Insurance - Investment Portfolio (RWF Billion), 2013-
Figure 20: Rwandan General Insurance - Investment Portfolio Dynamics (RWF Billion), 2013-
Figure 21: Rwandan Property Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 22: Rwandan Property Insurance - Penetration (%), 2013-2017
Figure 23: Rwandan Property Insurance - Penetration (%), 2017-
Figure 24: Rwandan Motor Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 25: Rwandan Motor Insurance - Penetration (%), 2013-2017
Figure 26: Rwandan Motor Insurance - Penetration (%), 2017-
Figure 27: Rwandan Liability Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 28: Rwandan Liability Insurance - Penetration (%), 2013-2017
Figure 29: Rwandan Liability Insurance - Penetration (%), 2017-
Figure 30: Rwandan Personal Accident and Health Insurance - Direct Written Premium (RWF Billion), 2013-
Figure 31: Rwandan Personal Accident and Health Insurance - Penetration (%), 2013-2017
Figure 32: Rwandan Personal Accident and Health Insurance - Penetration (%), 2017-
Figure 33: Rwandan Personal Accident and Health Insurance - Net Earned Premium (RWF Billion), 2013-
Figure 34: Rwandan Miscellaneous - Direct Written Premium (RWF Billion), 2013-
Figure 35: Rwandan Miscellaneous - Penetration (%), 2013-2017
Figure 36: Rwandan Miscellaneous - Penetration (%), 2017-
Figure 37: Rwandan Reinsurance - Premium Ceded by Insurance Segment (RWF Billion), 2013-
Figure 38: Rwanda - Insurance Supervision and Control at Various Levels
Figure 39: Rwanda - Insurance Regulatory Frameworks for Company Registration and Operation
