How can a person or company buy private insurance in South Sudan?

The applicant usually contacts an insurer, agent, broker or bancassurance provider, submits identity and risk information, receives a quotation after underwriting, applies, pays the premium and receives a policy or certificate. Personal or offline contact remains common, especially outside Juba.

How are social-insurance contributions handled for covered employees in South Sudan?

NSIF guidance states that the employee contributes 8% and the employer 17% of gross monthly salary. Employers must register, deduct and add the contributions, keep records and remit them monthly, with the NSIF service portal stating the 15th of the following month as the deadline; implementation and accrued payments remain contested.

What should a policyholder do after an insured loss in South Sudan?

Notify the insurer immediately, follow the policy's claims procedure and preserve the required evidence. Motor and fire claims may require a Police Abstract, and CIC instructions require police notification immediately and no later than 24 hours; the claimant should not admit liability.

Insurance in South Sudan

Insurance in South Sudan uses contracts or statutory schemes to cover defined personal, property, liability or income risks. Private insurance is formally established but fragmented, while social insurance is being implemented through the National Social Insurance Fund (NSIF). Motor third-party liability insurance is legally required for vehicles on public roads.

Tip

Treat insurance in South Sudan as a risk-by-risk decision because availability, provider status and claims support vary. Secure legally required motor cover first, then compare protection for property, cargo, employees or liability against the policy limits, exclusions, excess and actual ability to claim.

byAdut&Mading

Private insurance in South Sudan covers risks such as motor liability, property damage, fire, theft, marine cargo, engineering projects, goods in transit, personal accident, travel, medical expenses, life, business interruption and professional or employer liability. The available cover, limits, exclusions, excess, term and premium depend on the provider, policy and assessed risk. There is no reliable current public Bank of South Sudan (BoSS) licence register, so the current status of a provider should be checked directly with BoSS or the provider. The BoSS supervises and licenses insurers through its Directorate of Supervision and Regulation and Non-Banking Supervision. BoSS Circular No. 05 of 8 September 2025 introduced a licensing regime requiring at least USD 2,500,000 in paid-up capital for a local insurer and USD 5,000,000 for a foreign insurer. It also sets a non-refundable application fee of USD 10,000 and an annual renewal fee of USD 5,000. Applications require a business plan, five-year financial projections and tax clearance for shareholders, directors and key management. These amounts regulate providers and are not standard customer premiums. The Insurance Bill 2010 is documented as a bill, but no reliable evidence confirms a separate comprehensive Insurance Act currently in force. Customers usually approach an insurer, agent, broker or bancassurance provider directly. The usual process is to provide identity, vehicle, company or risk information, receive a quotation after underwriting, submit an application, pay the premium and receive a policy or certificate. Juba is the main access centre, and CIC Africa Insurance South Sudan also has a presence in Wau. CIC Africa Insurance South Sudan, Britam South Sudan and Co-operative Bank of South Sudan through bancassurance are documented access points. UAP Insurance South Sudan announced that it stopped accepting new business and policy renewals from 3 July 2025 while continuing to service existing customers under its notice. The 2023 World Bank review found no provider with mobile or digital sales, digital onboarding or digital claims handling, so personal or offline contact remains common. Individuals, households, companies, NGOs, international organisations, diplomatic organisations and vehicle owners may seek cover, but acceptance depends on underwriting and the provider's requirements. Availability is more limited outside urban centres. Local identification, KYC checks, vehicle or company documents, security conditions, payment capacity, foreign-exchange access and infrastructure can affect access. There is no dependable market-wide premium list or standard set of limits. Compare the insured sum, exclusions, excess, payment schedule, policy term, cancellation rules and claims procedure rather than comparing only the quoted premium. Third-party liability cover for motor vehicles is legally required on public roads. Motor TPO covers injury, death or property damage caused to other people, but it does not normally cover damage to the policyholder's own vehicle. Comprehensive motor cover and Third Party Fire and Theft provide broader protection according to their policy terms. Compliance is reported to be weak, and many local drivers remain uninsured. For a claim, notify the provider immediately and follow the policy procedure. CIC motor and fire claims require immediate police notification and a Police Abstract, with notice no later than 24 hours according to the documented provider instructions; a claimant should not admit liability. Motor claims commonly require the driving licence, vehicle and third-party details, an assessor's report and the policy excess. Fire or theft claims may require replacement quotations, witness statements and an adjustment report. Accident claims may require medical reports, original invoices and, where relevant, a Police Abstract, death certificate and three months of payslips. Britam's motor process likewise uses a claim notification, Police Abstract and driving licence and third-party details. No general statutory settlement deadline has been reliably identified; processing depends on the policy and provider. The NSIF is the statutory social-insurance institution linked to the Ministry of Labour. The NSIF Act 2023 covers private-sector employees and South Sudanese staff of UN agencies, diplomatic agencies and NGOs. Its listed functions include registration, contribution collection and administration, investment, actuarial valuation, pension and compensation payments and compliance control. Listed benefits include retirement or age, invalidity, survivors, funeral grants, maternity, employment injury and withdrawal or emigration benefits. Health insurance is a separate health-related matter rather than a complete substitute for these schemes. NSIF guidance states that employees contribute 8% and employers 17% of gross monthly salary, for a combined 25%. Employers are expected to register, deduct the employee share, add the employer share, remit contributions monthly, submit contribution schedules and keep records. The NSIF service portal gives the 15th of the following month as the remittance deadline. Implementation remains contested: Ministry of Labour Public Circular No. 05/2026 dated 23 April 2026 states that Circular No. 03/2010 was revoked and directs employers to remit contributions directly to NSIF, while earlier practice often kept or accrued contributions at employer level. Registration, contribution accounts, governance and accrued payments remain uneven, and a documented legal challenge had no reliably confirmed final decision at the research date. NSIF guidance generally places retirement at age 55 and withdrawal benefits at age 50 when employment ends or retirement occurs. Invalidity claims require permanent incapacity and medical evidence. Survivor claims may cover a spouse, children and, in some cases, parents, siblings or a guardian. Common documents include an NSIF number or card, identity document or passport, termination or retirement letter, death certificate, county confirmation, medical report and bank details. Applications are made in person at an NSIF office, and no general reliable payment deadline has been identified. Government employee pension contributions under the Appropriation Act 2023/2024, stated as 5% employee and 11% employer, are separate from the NSIF Act scope. Employers have duties under the Labour Act 2017 concerning workplace safety, health, welfare, accident reporting, injury records and first aid or medical care. A separate nationwide work-injury insurance or occupational-disease compensation system remains a reform and implementation area, so employer liability and insurance practice can differ. The Directorate of Occupational Safety and Health, Labour Inspectorate, Ministry of Labour and Labour Courts may become relevant in an employment-injury dispute. Family, community, employer or humanitarian support can help after a loss, but these arrangements are not equivalent to an insurance policy and do not provide a standardised claim right. Changing insurer or cover usually requires an amendment, endorsement, renewal or cancellation under the existing policy. A move to another insurer normally involves new underwriting and a new premium; automatic transfer of claims history or existing rights is not established. For disputes, start with the policy and contractual remedies. BoSS may be relevant to an insurer's regulatory conduct, police to accidents or theft, and the Ministry of Labour, occupational-safety bodies or Labour Courts to employment injuries. No dedicated nationwide insurance ombudsman has been reliably identified.