Egypt’s insurance sector remains an important component of the non-banking financial system, with 38 insurance and reinsurance companies operating in the life and non-life segments. In 2025, insurers’ assets reached EGP 418.9 billion, while collected premiums totaled EGP 114.1 billion. The sector is also set to attract greater market attention through the planned offering of Misr Life Insurance, which was expected to be offered before year-end.

In this factsheet, we cover the key highlights of the sector, including its growth and financial performance.

• Egypt had 38 insurance and reinsurance companies operating in life and non-life insurance, alongside 665 private insurance funds. Insurance density, which measures average premiums per capita, increased to EGP 1,052 in 2025, while insurance penetration, which measures total premiums as a share of GDP, declined to 0.57%.
• Total assets of insurance companies rose by 15.8% in 2025 to EGP 418.9 billion. Investments accounted for 87.3% of assets, reaching EGP 365.7 billion, up by 14.1%. Within the investment portfolio, investments in equities and non-government bonds increased by 26.4%. Total liabilities grew by 14.3% to EGP 257.8 billion, of which policyholders’ rights represented 78.6%, reaching EGP 202.7 billion, up by 15.9%. Shareholders’ equity also increased by 18.3% to EGP 161.1 billion during the 2025 reporting period.
• Insurance companies collected EGP 114.1 billion in premiums in fiscal year (FY) 2024/2025, marking a 20.9% annual increase. Claims paid reached EGP 60.4 billion, rising by 42.8% over the same period. Net profits grew by 3.6% to EGP 26.3 billion, while the insurance activity surplus increased by 11% to EGP 27.2 billion.
• The sector’s aggregate financial ratios weakened in 2025, with return on assets, return on equity, and the liquidity ratio declining to 6.3%, 16.3%, and 144.9%, respectively. Return on assets fell as total assets expanded faster than net profits. By segment, return on assets stood at 5.6% for life insurers and 7% for property and liability insurers, while return on equity reached 18.2% and 14.9%, respectively. Liquidity ratios moved in opposite directions, rising to 136.2% for life insurers and falling to 157.2% for property and liability insurers.
• Government insurance funds recorded total assets of EGP 2.5 billion in FY2024/2025, up by 19.4% year on year, while investments increased by 42.7% to EGP 2.1 billion. Liabilities also rose by 19.4% to EGP 2.5 billion. The reserve fund grew by 29.6% to EGP 1.4 billion, and technical provisions increased by 15.3% to EGP 0.4 billion. Separately, private insurance funds’ assets rose by 21.7% to EGP 238.2 billion, with investments increasing by 25.5% to EGP 210.9 billion, representing 88.5% of assets.

By: Amina Hussein