How does private-sector social insurance registration work in Yemen?

An employer generally registers each branch with a General Organization for Social Insurance office, reportedly within two weeks of starting operations, and submits enterprise, identity, lease and payroll documents. The office can inspect the workplace and issue employer and insured-person records, numbers or cards.

How are private-sector social insurance contributions calculated in Yemen?

The stated contribution for old-age, disability and death coverage is 15% of the gross insurable wage, divided into 9% for the employer and 6% for the worker. The employer remits both shares, generally using the basic wage and permanent allowances rather than bonuses or overtime.

Which private insurance products are available in Yemen?

Licensed insurers may offer motor, fire, natural-event, marine, cargo, transport, theft, accident, liability, life, disability, savings and other approved covers. The available policy, exclusions and practical service depend on the licensed provider and current local conditions.

How should someone file a private insurance claim in Yemen?

Notify the insurer or registered broker promptly and keep the policy, payment receipts, incident evidence, ownership records and relevant repair or medical documents. If the claim is refused or delayed, request the reasons in writing and consider supervisory or court procedures because no central insurance ombudsman was identified in the reviewed sources.

Insurance in Yemen

Insurance in Yemen combines statutory social insurance with private insurance for personal, property, liability and income risks. Private-sector employers and employees generally participate in social insurance, while licensed insurers offer products such as motor, fire, marine, life and liability cover. Access, claims handling and practical availability can vary because of conflict, currency conditions and divided institutional control.

Tip

Start by identifying whether your situation falls under private-sector social insurance, public-sector or military arrangements, or private insurance. For private cover, choose only risks that matter to your property, work, transport, liability or income, and verify the provider, exclusions, limits and claims process before paying. Treat written coverage as necessary evidence, but check practical service access and claims capacity in the relevant area.

byHuda&Yahya

Insurance portfolios can be transferred through a ministerial process with Gazette or newspaper notices and an objection period of up to 60 days. Discontinuation requires liabilities to be discharged or transferred and repeated public notices issued at least 10 days apart, with an objection period. Merger objections are described with a period of up to 30 days. Licence cancellation triggers cessation and liquidation safeguards. Market figures compiled by the Yemen Insurance Federation for 2024 reported direct premiums of 60.875 billion YER across 12 named firms. The compilation indicated a mix of approximately 53.41% medical, 41.32% non-life and 5.27% life business, while another chart rounded the categories differently. It is a market indicator rather than regulator-certified national accounts. Named shares included United at 41.94%, CAC at 27.02%, MIS at 12.28%, YIIC at 4.45% and Aman at 4.35%. Property-related lines included fire at about 4.924 billion YER, marine at 7.598 billion, motor at 4.786 billion, engineering at 0.962 billion, miscellaneous and accident lines at 6.400 billion and liability at 0.121 billion. No universal public tariff was identified, so premiums depend on the insured risk, limits, provider, term and policy conditions.