The Insurance Industry in Zimbabwe, Key Trends and Opportunities to 2019

Published: Feb, 2016 | Pages: 140 | Publisher: Timetric
Industry: Insurance | Report Format: Electronic (PDF)

Synopsis
Timetric’s 'The Insurance Industry in Zimbabwe, Key Trends and Opportunities to 2019' report provides detailed analysis of the market trends, drivers and challenges in the Zimbabwean insurance industry.

It provides key performance indicators such as written premium, incurred loss, loss ratio, commissions and expenses, total assets, total investment income and retentions during the review period (2010–2014) and forecast period (2014–2019).

The report also analyzes distribution channels operating in the segment, gives a comprehensive overview of the Zimbabwean economy and demographics, and provides detailed information on the competitive landscape in the country.

The report brings together Timetric’s research, modeling and analysis expertise, giving insurers access to information on segment dynamics and competitive advantages, and profiles of insurers operating in the country. The report also includes details of insurance regulations, and recent changes in the regulatory structure.

Summary
Timetric’s 'The Insurance Industry in Zimbabwe, Key Trends and Opportunities to 2019' report provides in-depth market analysis, information and insights into the Zimbabwean insurance industry, including:

• The Zimbabwean insurance industry's growth prospects by segment and category

• A comprehensive overview of Zimbabwean economy and demographics

• The detailed competitive landscape in the Zimbabwean insurance industry

• The various distribution channels in the Zimbabwean insurance industry

• Detailed regulatory policies of the Zimbabwean insurance industry

• Analysis of natural hazards in Zimbabwean insurance industry

Scope
This report provides a comprehensive analysis of the insurance industry in Zimbabwe:

• It provides historical values for the Zimbabwean insurance industry for the report’s 2010–2014 review period, and projected figures for the 2014–2019 forecast period.

• It offers a detailed analysis of the key segments in the Zimbabwean insurance industry, along with market forecasts until 2019.

• It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, combined ratio, total assets, total investment income and retentions.

• It analyzes the various distribution channels in Zimbabwe.

• It profiles the top insurance companies in Zimbabwe and outlines the key regulations affecting them.

Reasons To Buy
• Make strategic business decisions using in-depth historic and forecast market data related to the Zimbabwean insurance industry and each segment and category within it.

• Understand the demand-side dynamics, key market trends and growth opportunities in the Zimbabwean insurance industry.

• Assess the competitive dynamics in the Zimbabwean insurance industry.

• Identify the growth opportunities and market dynamics in key segments.

• Gain insights into key regulations governing the Zimbabwean insurance industry and their impact on companies and the industry's future.

Key Highlights
• The industry grew at a review period (2010–2014) compound annual growth rate (CAGR) of 27.7%.

• In terms of gross written premium, the top three companies in life segment accounted for 82.7% of the market share in 2015, while the top three funeral insurers accounted for 86.4% and the four largest non-life insurers accounted for 50.0%.

• To reduce operational expenses in terms of commissions paid to brokers, insurers are focusing on developing digital platforms – particularly mobile networks – to deliver the service.

• Over the forecast period, the process of recapitalization will improve the underwriting capacity, and result in more capable and reputable insurers in the Zimbabwean insurance industry.

• Developing consumer-centric products to provide insurance services to rural low-income population is expected to increase the penetration rate and drive the industry over the forecast period.

 Table of Contents

1 Key Facts and Highlights

2 Executive Summary

3 Introduction
3.1 What is this Report About?
3.2 Definitions
3.3 Methodology

4 Economy and Demographics

5 Zimbabwean Insurance Industry Overview
5.1 Life Insurance
5.2 Non-Life Insurance
5.2.1 Property insurance
5.2.2 Motor insurance
5.2.3 Liability insurance
5.2.4 Marine, aviation and transit insurance
5.3 Personal Accident and Health Insurance
5.3.1 Personal accident insurance
5.3.2 Health insurance
5.4 Reinsurance

6 Distribution Channel Outlook

7 Natural Hazards
7.1 Floods
7.2 Droughts
7.3 Storms
7.4 Exposure

8 Competitive Landscape
8.1 Overview
8.2 Leading Companies
8.2.1 Old Mutual Life Assurance Company Zimbabwe Ltd – company overview
8.2.2 NicozDiamond Insurance Ltd – company overview
8.2.3 Alliance Insurance Company (Pvt) Ltd – company overview
8.2.4 Cell Insurance Company (Pvt) Ltd – company overview
8.2.5 Zimnat Lion Insurance Company Ltd – company overview

9 Governance, Risk and Compliance
9.1 Legislation Overview and Historical Evolution
9.2 Latest Changes in Regulations
9.3 Legislation and Market Practice by Type of Insurance
9.3.1 Life insurance
9.3.2 Property insurance
9.3.3 Motor insurance
9.3.4 Liability insurance
9.3.5 Marine, aviation and transit insurance
9.3.6 Personal accident and health insurance
9.4 Compulsory Insurance
9.4.1 Motor third-party liability insurance
9.4.2 Workmen’s compensation
9.5 Supervision and Control
9.5.1 African Insurance Organization
9.5.2 Insurance and Pensions Commission
9.6 Non-Admitted Insurance Regulations
9.6.1 Overview
9.6.2 Intermediaries
9.6.3 Market practices
9.6.4 Fines and penalties
9.7 Company Registration and Operations
9.7.1 Types of insurance organization
9.7.2 Establishing a local company
9.7.3 Foreign ownership
9.7.4 Types of license
9.7.5 Capital requirements
9.7.6 Solvency margins
9.7.7 Reserve requirements
9.7.8 Investment regulations
9.7.9 Statutory return requirements
9.7.10 Fee structure
9.8 Taxation
9.8.1 Insurance premium or policy taxation
9.8.2 Withholding taxes on premium paid overseas
9.8.3 Corporate tax
9.8.4 VAT
9.8.5 Captives
9.9 Legal System
9.9.1 Introduction
9.9.2 Access to court
9.9.3 Alternative dispute resolution (ADR)

10 Appendix
10.1 Methodology
10.2 Contact Timetric
10.3 About Timetric
10.4 Timetric’s Services
10.5 Disclaimer

List of Tables
Table 1: Zimbabwean Insurance Industry – Key Facts
Table 2: Insurance Industry Definitions
Table 3: Zimbabwean Insurance Gross Written Premium by Segment (US$ Million), 2010–2014
Table 4: Zimbabwean Insurance Gross Written Premium by Segment (US$ Million), 2014–2019
Table 5: Zimbabwean Insurance Segmentation by Gross Written Premium (% Share), 2010–2019
Table 6: Zimbabwean Insurance Direct Written Premium by Segment (US$ Million), 2010–2014
Table 7: Zimbabwean Insurance Direct Written Premium by Segment (US$ Million), 2014–2019
Table 8: Zimbabwean Insurance Segmentation by Direct Written Premium (Percentage Share), 2010–2019
Table 9: Zimbabwean Life Insurance – Gross Written Premium by Sub-Segment (US$ Million), 2010–2014
Table 10: Zimbabwean Life Insurance – Gross Written Premium by Sub-Segment (US$ Million), 2014–2019
Table 11: Zimbabwean Life Insurance Segmentation by Gross Written Premium (Percentage Share), 2010–2019
Table 12: Zimbabwean Life Insurance – Direct Written Premium by Sub-Segment (US$ Million), 2010–2014
Table 13: Zimbabwean Life Insurance – Direct Written Premium by Sub-Segment (US$ Million), 2014–2019
Table 14: Zimbabwean Life Insurance Segmentation by Direct Written Premium (Percentage Share), 2010–2019
Table 15: Zimbabwean Life Insurance – Paid Claims (US$ Million), 2010–2014
Table 16: Zimbabwean Life Insurance – Paid Claims (US$ Million), 2014–2019
Table 17: Zimbabwean Life Insurance – Incurred Loss (US$ Million), 2010–2014
Table 18: Zimbabwean Life Insurance – Incurred Loss (US$ Million), 2014–2019
Table 19: Zimbabwean Life Insurance – Net Written Premium (Percentage of GWP), 2010–2014
Table 20: Zimbabwean Life Insurance – Net Written Premium (Percentage of GWP), 2014–2019
Table 21: Zimbabwean Life Insurance – Total Assets (US$ Million), 2010–2014
Table 22: Zimbabwean Life Insurance – Total Assets (US$ Million), 2014–2019
Table 23: Zimbabwean Life Insurance – Net Written Premium (US$ Million), 2010–2014
Table 24: Zimbabwean Life Insurance – Net Written Premium (US$ Million), 2014–2019
Table 25: Zimbabwean Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2014
Table 26: Zimbabwean Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2014–2019
Table 27: Zimbabwean Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2014
Table 28: Zimbabwean Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2014–2019
Table 29: Zimbabwean Non-Life Insurance – Incurred Loss (US$ Million), 2010–2014
Table 30: Zimbabwean Non-Life Insurance – Incurred Loss (US$ Million), 2014–2019
Table 31: Zimbabwean Non-Life Insurance – Loss Ratio (%), 2010–2014
Table 32: Zimbabwean Non-Life Insurance – Loss Ratio (%), 2014–2019
Table 33: Zimbabwean Non-Life Insurance – Combined Ratio (%), 2010–2014
Table 34: Zimbabwean Non-Life Insurance – Combined Ratio (%), 2014–2019
Table 35: Zimbabwean Non-Life Insurance – Total Assets (US$ Million), 2010–2014
Table 36: Zimbabwean Non-Life Insurance – Total Assets (US$ Million), 2014–2019
Table 37: Zimbabwean Non-Life Insurance – Total Investment Income (US$ Million), 2010–2014
Table 38: Zimbabwean Non-Life Insurance – Total Investment Income (US$ Million), 2014–2019
Table 39: Zimbabwean Non-Life Insurance – Net Written Premium (US$ Million), 2010–2014
Table 40: Zimbabwean Non-Life Insurance – Net Written Premium (US$ Million), 2014–2019
Table 41: Zimbabwean Property Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 42: Zimbabwean Property Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 43: Zimbabwean Motor Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 44: Zimbabwean Motor Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 45: Zimbabwean Liability Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 46: Zimbabwean Liability Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 47: Zimbabwean Marine, Aviation and Transit Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 48: Zimbabwean Marine, Aviation and Transit Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 49: Zimbabwean Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2010–2014
Table 50: Zimbabwean Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2014–2019
Table 51: Zimbabwean Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2010–2014
Table 52: Zimbabwean Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2014–2019
Table 53: Zimbabwean Personal Accident and Health Insurance – Incurred Loss (US$ Million), 2010–2014
Table 54: Zimbabwean Personal Accident and Health Insurance – Incurred Loss (US$ Million), 2014–2019
Table 55: Zimbabwean Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014
Table 56: Zimbabwean Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019
Table 57: Zimbabwean Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014
Table 58: Zimbabwean Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019
Table 59: Zimbabwean Personal Accident and Health Insurance – Total Assets (US$ Million), 2010–2014
Table 60: Zimbabwean Personal Accident and Health Insurance – Total Assets (US$ Million), 2014–2019
Table 61: Zimbabwean Personal Accident and Health Insurance – Total Investment Income (US$ Million), 2010–2014
Table 62: Zimbabwean Personal Accident and Health Insurance – Total Investment Income (US$ Million), 2014–2019
Table 63: Zimbabwean Personal Accident and Health Insurance – Net Written Premium (US$ Million), 2010–2014
Table 64: Zimbabwean Personal Accident and Health Insurance – Net Written Premium (US$ Million), 2014–2019
Table 65: Zimbabwean Personal Accident Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 66: Zimbabwean Personal Accident Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 67: Zimbabwean Health Insurance – Gross Written Premium (US$ Million), 2010–2014
Table 68: Zimbabwean Health Insurance – Gross Written Premium (US$ Million), 2014–2019
Table 69: Zimbabwean Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010–2014
Table 70: Zimbabwean Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2014–2019
Table 71: Zimbabwean Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Table 72: Zimbabwean Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2014–2019
Table 73: Zimbabwean Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Table 74: Zimbabwean Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2014–2019
Table 75: Zimbabwean Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Table 76: Zimbabwean Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2014–2019
Table 77: Zimbabwean Average Annual Loss by Hazard
Table 78: Old Mutual Life Assurance Company Zimbabwe Ltd – Key Facts
Table 79: NicozDiamond Insurance Ltd – Key Facts
Table 80: Alliance Insurance Company (Pvt) Ltd – Key Facts
Table 81: Cell Insurance Company (Pvt) Ltd – Key Facts
Table 82: Zimnat Lion Insurance Company Ltd – Key Facts
Table 83: Zimbabwe – Insurance Regulatory Framework Key Features
Table 84: Zimbabwe – Life Insurance Regulatory Framework
Table 85: Zimbabwe – Property Insurance Regulatory Framework
Table 86: Zimbabwe – Motor Insurance Regulatory Framework
Table 87: Zimbabwe – Liability Insurance Regulatory Framework
Table 88: Zimbabwe – Corporate Tax Rates for the Financial Year 2015

List of Figures
Figure 1: Zimbabwean Real GDP (US$ Billion), 2010–2019
Figure 2: Zimbabwean Consumer Price Inflation, 2010–2019
Figure 3: Zimbabwean Unemployment Rate, 2010–2019
Figure 4: Zimbabwean Population by Age Group, 1991–2025
Figure 5: Zimbabwean Insurance Gross Written Premium by Segment (US$ Million), 2010–2019
Figure 6: Zimbabwean Insurance Gross Written Premium Market Dynamics by Segment, 2010–2019
Figure 7: Zimbabwean Insurance Direct Written Premium by Segment (US$ Million), 2010–2019
Figure 8: Zimbabwean Insurance Direct Written Premium Market Dynamics by Segment, 2010–2019
Figure 9: Zimbabwean Life Insurance – Gross Written Premium by Sub-Segment (US$ Million), 2010–2019
Figure 10: Zimbabwean Life Insurance – Gross Written Premium Dynamics by Sub-Segment, 2010–2019
Figure 11: Zimbabwean Life Insurance – Direct Written Premium by Sub-Segment (US$ Million), 2010–2019
Figure 12: Zimbabwean Life Insurance – Direct Written Premium Dynamics by Sub-Segment, 2010–2019
Figure 13: Zimbabwean Life Insurance – Paid Claims (US$ Million), 2010–2014
Figure 14: Zimbabwean Life Insurance – Paid Claims (US$ Million), 2014–2019
Figure 15: Zimbabwean Life Insurance – Incurred Loss (US$ Million), 2010–2014
Figure 16: Zimbabwean Life Insurance – Incurred Loss (US$ Million), 2014–2019
Figure 17: Zimbabwean Life Insurance – Net Written Premium (Percentage of GWP), 2010–2014
Figure 18: Zimbabwean Life Insurance – Net Written Premium (Percentage of GWP), 2014–2019
Figure 19: Zimbabwean Life Insurance – Total Assets (US$ Million), 2010–2014
Figure 20: Zimbabwean Life Insurance – Total Assets (US$ Million), 2014–2019
Figure 21: Zimbabwean Life Insurance – Net Written Premium (US$ Million), 2010–2014
Figure 22: Zimbabwean Life Insurance – Net Written Premium (US$ Million), 2014–2019
Figure 23: Zimbabwean Life Insurance – Total Investment (US$ Million), 2010–2014
Figure 24: Zimbabwean Life Insurance – Insurance Penetration (Ratio of Direct Premium to GDP), 2010–2014
Figure 25: Zimbabwean Life Insurance – Insurance Density (Direct Premium per Capita) (US$), 2010–2014
Figure 26: Zimbabwean Non-Life Insurance – Gross Written Premium by Category (US$ Million), 2010–2019
Figure 27: Zimbabwean Non-Life Insurance – Gross Written Premium by Category (%), 2014 and 2019
Figure 28: Zimbabwean Non-Life Insurance – Gross Written Premium Dynamics by Category, 2010–2019
Figure 29: Zimbabwean Non-Life Insurance – Direct Written Premium by Category (US$ Million), 2010–2019
Figure 30: Zimbabwean Non-Life Insurance – Direct Written Premium by Category (%), 2014 and 2019
Figure 31: Zimbabwean Non-Life Insurance – Direct Written Premium Dynamics by Category, 2010–2019
Figure 32: Zimbabwean Non-Life Insurance – Incurred Loss (US$ Million), 2010–2014
Figure 33: Zimbabwean Non-Life Insurance – Incurred Loss (US$ Million), 2014–2019
Figure 34: Zimbabwean Non-Life Insurance – Loss Ratio (%), 2010–2014
Figure 35: Zimbabwean Non-Life Insurance – Loss Ratio (%), 2014–2019
Figure 36: Zimbabwean Non-Life Insurance – Combined Ratio (%), 2010–2014
Figure 37: Zimbabwean Non-Life Insurance – Combined Ratio (%), 2014–2019
Figure 38: Zimbabwean Non-Life Insurance – Total Assets (US$ Million), 2010–2014
Figure 39: Zimbabwean Non-Life Insurance – Total Assets (US$ Million), 2014–2019
Figure 40: Zimbabwean Non-Life Insurance – Total Investment Income (US$ Million), 2010–2014
Figure 41: Zimbabwean Non-Life Insurance – Total Investment Income (US$ Million), 2014–2019
Figure 42: Zimbabwean Non-Life Insurance – Net Written Premium (US$ Million), 2010–2014
Figure 43: Zimbabwean Non-Life Insurance – Net Written Premium (US$ Million), 2014–2019
Figure 44: Zimbabwean Non-Life Insurance – Total Investment (US$ Million), 2010–2014
Figure 45: Zimbabwean Non-Life Insurance Penetration (Ratio of Direct Premium to GDP), 2010–2014
Figure 46: Zimbabwean Non-Life Insurance Density (Direct Premium per Capita) (US$), 2010–2014
Figure 47: Zimbabwean Property Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 48: Zimbabwean Property Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 49: Zimbabwean Motor Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 50: Zimbabwean Motor Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 51: Zimbabwean Liability Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 52: Zimbabwean Liability Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 53: Zimbabwean Marine, Aviation and Transit Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 54: Zimbabwean Marine, Aviation and Transit Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 55: Zimbabwean Personal Accident and Health Insurance – Gross Written Premium by Category (US$ Million), 2010–2019
Figure 56: Zimbabwean Personal Accident and Health Insurance – Gross Written Premium by Category (%), 2014 and 2019
Figure 57: Zimbabwean Personal Accident and Health Insurance – Gross Written Premium Dynamics by Category, 2010–2019
Figure 58: Zimbabwean Personal Accident and Health Insurance – Direct Written Premium by Category (US$ Million), 2010–2019
Figure 59: Zimbabwean Personal Accident and Health Insurance – Direct Written Premium by Category (%), 2014 and 2019
Figure 60: Zimbabwean Personal Accident and Health Insurance – Direct Written Premium Dynamics by Category, 2010–2019
Figure 61: Zimbabwean Personal Accident and Health Insurance – Incurred Loss (US$ Million), 2010–2014
Figure 62: Zimbabwean Personal Accident and Health Insurance – Incurred Loss (US$ Million), 2014–2019
Figure 63: Zimbabwean Personal Accident and Health Insurance – Loss Ratio (%), 2010–2014
Figure 64: Zimbabwean Personal Accident and Health Insurance – Loss Ratio (%), 2014–2019
Figure 65: Zimbabwean Personal Accident and Health Insurance – Combined Ratio (%), 2010–2014
Figure 66: Zimbabwean Personal Accident and Health Insurance – Combined Ratio (%), 2014–2019
Figure 67: Zimbabwean Personal Accident and Health Insurance – Total Assets (US$ Million), 2010–2014
Figure 68: Zimbabwean Personal Accident and Health Insurance – Total Assets (US$ Million), 2014–2019
Figure 69: Zimbabwean Personal Accident and Health Insurance – Total Investment Income (US$ Million), 2010–2014
Figure 70: Zimbabwean Personal Accident and Health Insurance – Total Investment Income (US$ Million), 2014–2019
Figure 71: Zimbabwean Personal Accident and Health Insurance – Net Written Premium (US$ Million), 2010–2014
Figure 72: Zimbabwean Personal Accident and Health Insurance – Net Written Premium (US$ Million), 2014–2019
Figure 73: Zimbabwean Personal Accident and Health Insurance – Total Investment (US$ Million), 2010–2014
Figure 74: Zimbabwean Personal Accident and Health Insurance Penetration (Ratio of Direct Premium to GDP), 2010–2014
Figure 75: Zimbabwean Personal Accident and Health Insurance Density (Direct Premium per Capita) (US$), 2010–2014
Figure 76: Zimbabwean Personal Accident Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 77: Zimbabwean Personal Accident Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 78: Zimbabwean Health Insurance – Gross Written Premium (US$ Million), 2010–2014
Figure 79: Zimbabwean Health Insurance – Gross Written Premium (US$ Million), 2014–2019
Figure 80: Zimbabwean Reinsurance – Premium Ceded (Excluding Retrocession) by Insurance Segment (US$ Million), 2010–2019
Figure 81: Zimbabwean Reinsurance – Dynamics by Insurance Segment, 2010–2019
Figure 82: Zimbabwean Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Figure 83: Zimbabwean Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2014–2019
Figure 84: Zimbabwean Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Figure 85: Zimbabwean Non-Life Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2014–2019
Figure 86: Zimbabwean Personal Accident and Health Insurance – Percentage of Premium Ceded (Excluding Retrocession), 2010–2014
Figure 87: Zimbabwean Personal Accident and Health Insurance – Percentage of Reinsurance Ceded (%), 2014–2019
Figure 88: Zimbabwean Frequency of Hazards by Type, 1990–2014
Figure 89: Zimbabwean Mortality of Hazards by Type, 1990–2014
Figure 90: Zimbabwean Economic Issues of Hazards by Type, 1990–2014
Figure 91: Zimbabwe – Insurance Supervision and Control at Various Levels
Figure 92: Zimbabwe – Insurance Regulatory Frameworks for Company Registration and Operation