Insurtech in Tunisia: A Growing Market Slow to Go Digital

Insurtech in Tunisia is still at an early stage, but the market it targets is growing fast. Tunisian insurers wrote a record TND 4,255.1 million in premiums in 2025, and life insurance is expanding at close to 20% a year. Yet insurance still represents less than 2.5% of GDP, and most policies are sold and serviced the traditional way.

The Tunisian insurance market in numbers

According to regulator data reported by La Presse in March 2026, premiums reached TND 4,255.1 million in 2025, up 11.4% from TND 3,819.6 million in 2024. The breakdown shows a market still dominated by compulsory and employer-driven cover:

• Motor: TND 1,628.3 million, or 38.3% of the market, still the largest line;
• Life: TND 1,336.1 million (+16.4%), or 31.4% of the market;
• Group health: TND 647 million (+11.4%);
• Fire: TND 241.2 million (+19.2%);
• Transport: TND 112.8 million.

The momentum continued in 2026. According to the Comité général des assurances (CGA), the sector's regulator, premiums reached TND 2,529.2 million in the first half of 2026, up 13%. Life premiums rose 19.4% and health premiums 16.9%. Managers noted that this acceleration in life and health opens space for insurtech and digital distribution models.

The weak point is depth. The CGA put insurance penetration, premiums as a share of GDP, at about 2.39% in 2024, compared with 2.5% in 2021, and below neighbouring Morocco. Tunisia has 23 insurance companies.

Why insurtech matters here

Low penetration with steady growth is the classic setting for insurtech. The gaps are visible:

• Distribution: most policies are sold through agents, brokers and bank branches. Online subscription exists but remains marginal.
• Claims: paper-based processes are slow and prone to disputes and fraud. The FTUSA, the insurers' federation, has announced an anti-fraud agency.
• Products: micro-insurance, device cover and usage-based products for people outside formal employment are rare.

For startups, the opportunity is less about replacing insurers than about building the tools, channels and data they lack.

Incumbents lead the digital shift

So far, most digital innovation has come from established insurers and industry bodies.

E-Constat for motor claims

On 1 November 2025, the FTUSA launched E-Constat, described as Tunisia's first mobile app for digital accident reports. Drivers fill in the report on their phone, take photos, geolocate the accident, draw a sketch and send it electronically to their insurer. The FTUSA says the report is recognised by all its member companies. With motor representing more than a third of premiums, and about 340,000 declared accidents in 2025 according to the same March 2026 figures, faster claims handling is a large prize.

Assurance Auto 2.0

In October 2025, the CGA's president Jouda Khemiri announced the "Assurance Auto 2.0" project, steered by the Presidency of the Government with several ministries and the FTUSA. It aims to replace paper motor insurance documents with a single QR-code card accessible on a smartphone, centralising vehicle data to cut fraud. Its launch was described as imminent at the time; we could not confirm whether it has since gone live.

Insurer platforms

Some insurers built their own channels early. BH Assurance launched WININTI, which it described as Tunisia's first digital insurance platform, in 2020. By mid-2022 it offered online subscription for motor, home and travel cover, claims filing and health expense tracking, and had more than 15,000 users. BH Assurance also partnered with the startup Garanty in 2022 to launch affinity products covering smartphones and glasses.

The startups

Independent insurtech startups are still rare in Tunisia. One recent example is EYST, founded in 2022, which gives policyholders a virtual bank card loaded with their reimbursement, so they do not have to pay medical or repair costs upfront. In May 2026 it announced a six-figure seed round from 216 Capital, to fund product development and international expansion.

The model illustrates where Tunisian insurtech can add value: at the junction between insurance and payments. Instant payouts depend on the rails described in our guides to mobile payments and digital banking in Tunisia.

Investor appetite exists at continental level. Managers, citing an IMARC Group report, wrote in April 2026 that 54% of African insurance CEOs said they wanted to invest directly in insurtech startups. For Tunisian founders, local backers are listed in our overview of venture capital in Tunisia.

Regulation: what could change

Insurance in Tunisia is supervised by the CGA, not the Central Bank. Several reforms could reshape distribution:

• Remote insurance: in October 2025, the CGA said a legal framework for distance insurance services was before Parliament. It would allow telecom operators to act as intermediaries, a potential channel for micro-insurance. Its adoption status is unclear.
• Insurance Code reform: the 2026–2030 strategy presented in July 2026 plans to revise the Insurance Code, strengthen life and pension products and widen the list of authorised intermediaries.
• Digitisation of the regulator: the CGA is digitising licences, documents and exchanges with insurers.

Any insurtech handling health or claims data must also comply with Tunisia's personal data protection rules.

What founders should watch

The practical playbook for a Tunisian insurtech today looks like this:

• Partner rather than compete: carrying risk requires a licence and capital; most startups will work as technology providers or distributors for licensed insurers.
• Start with claims and payouts: E-Constat shows the industry wants faster, less disputed claims.
• Follow the growth: life and health are the fastest-growing lines and the least penetrated.
• Track the distribution reform: if telecom operators and new intermediaries are allowed to sell insurance, embedded and mobile-first products become far easier to scale.