Insurance in Comoros

Formal employers with at least one worker, including public administrations, are required to affiliate with the Caisse Nationale de Solidarité et de Prévoyance Sociale (CNSPS). The CNSPS administers protection for occupational accidents and diseases, maternity and certain medical benefits. Employers pay the relevant contributions. Occupational accident and disease rates are reported at 5%, 3% or 2.5% according to the activity, with an additional 1% on women's wages for maternity protection. Quarterly contributions are generally due within 30 days after the quarter, while monthly payment is generally due within 15 days. Late payment can attract a surcharge of 3% per month. In practice, protection is limited by a substantial gap between legal rules and implementation; an estimated baseline of about 20% of workers were covered in 2020. The Caisse de Retraites des Comores covers old age, invalidity and survivors' benefits. It reported 30,570 affiliates in 2023. Retirement products offered by private companies are separate from this statutory pension system and should not be treated as equivalent to it. The 2017 framework for the Assurance Maladie Généralisée (AMG) provides for contributory Assurance Maladie Obligatoire (AMO) for the formal sector and non-contributory Assistance médicale et sociale (AMS) for people assessed as indigent. The planned health protection covers disease, common accidents, maternity and rehabilitation, and can include dependants. Occupational accidents and diseases remain with the CNSPS rather than this health scheme. Benefits are limited to the national territory and contracted public or private providers. A patient contribution may apply. The AMO waiting period can be up to one month; no waiting period has been confirmed for AMS. The AMG pilot began in 2025 in seven districts and covered about 63,610 households, or roughly 318,000 people, with 68 contracted structures. About 33,467 people were pre-affiliated and 18,078 had been categorized. The state pays the full contribution for indigent households, vulnerable households receive a partial subsidy and solvent households pay the full contribution. A July 2026 local report recorded 1,441 households as paid or up to date, but a current nationwide rollout has not been verified. Mutuelles de Santé are voluntary, non-profit legal entities that pool contributions for total or partial illness cover and solidarity support. Contributions can be fixed or variable. Adults who meet the statutes and legal entities using a collective contract may join. The Ministry of Health and Solidarity must approve a mutuelle before it operates; the decision period is up to three months, and silence is treated as approval under the reported framework. The statutes define admission, dependants, contributions, benefits and dissolution. A current national register and reliable uptake figures were not located. Private insurers offer policies for cars and motorcycles, homes, transport, construction, professional or business liability, employer health, life, retirement, study, personal protection and travel. AFG Assurances Comores received Ministry of Finance approval on 25 November 2020 and began operating on 1 January 2021. Amana advertises private, professional and enterprise products in Ngazidja, Ndzuwani and Mwali, while AGP advertises motor, health, travel and home products. Vehicle and travel insurance have the strongest market evidence; property, personal and life cover appear shallower. Published assessments differ on the number of insurers, so no current authoritative nationwide roster or public premium table should be assumed. Taking out a private policy normally involves a quotation, a written policy or note de couverture, payment of the premium or contribution and a stated start date. The policy should identify the parties, insured person or property, covered risks, duration, sum insured and premium. A proposal is not itself binding. Exclusions, deductibles, limits and underwriting conditions differ by provider. Changes should be recorded in a signed avenant rather than relying on an informal promise. Report a claim through the insurer's stated online channel, telephone line or agency. AFG provides evidence of online motor and home claims channels, telephone contact and agencies. Keep the policy, payment proof, reports, photographs and other documents that support the loss. Contract disputes normally go before the court connected with the insured's domicile, and an accident may also allow proceedings at the place of the accident. CNSPS beneficiaries reportedly direct complaints to its legal service, while occupational accident, disease and pension disputes may go to labour tribunals. No unified ombudsman or general national claim deadline was located. For AMG or CSU complaints, the first step is reportedly a commission de recours gracieux, followed by the ordinary courts. The policy duration controls renewal and termination. The listed national text describes tacite renewal for a maximum of one year and requires the cancellation method stated in the policy. A general withdrawal rule is framed around a ten-year cycle with six months' notice, but the current consolidation and amendments were not independently verified. For marine insurance, non-payment can lead to suspension or termination after a formal eight-day notice. The official CIMA member list names 14 states and omits Comoros, so CIMA rules must not be transferred to Comoros without separate confirmation. Local evidence instead points to national texts from 1930, 1938 and 1967 and Ministry of Finance approval requirements. Informal family support or mobile mutuality is not insurance unless it operates as a formal Mutuelle de Santé.