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Santam Insurance
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An inclusive insurance provider in Malawi offering microinsurance for individuals and organisations, including health, property, personal accident, and business cover.
MicroInsurance Product Overview
Is MicroInsurance Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Malawian individuals
- Malawian SMEs
What It Does Well
- Microinsurance plans
- Health insurance cover
Things to Check
- Claim payout speed
- Mobile wallet options
About MicroInsurance
MicroInsurance Services Ltd is an inclusive insurance and microinsurance provider in Malawi serving low to middle-income customers, rural communities, and organisations that need affordable cover and practical claims support.
Key capabilities include:
- Health and hospital cash cover for low-income and rural households, including Abwenzi Rural Health (Abwenzi RHI), HospCash, and Credit Health (health insurance bundled with credit and offered as group cover).
- Mass-market protection products such as Property insurance (covering clients’ properties against a range of risks), Personal Accidents cover (including permanent or temporary disability), and Business Catastrophe insurance for micro and SME business operators.
- Claims administration designed for remote areas, including a stated 72-hour claim processing turnaround, customer hand-holding to gather required documents, acceptance of simple or alternative documents, and claim payouts via mobile wallets.
Available on Web (product and company information via microinsurance.mw).
Target users include low and middle-income individuals and families in Malawi, rural communities and smallholder farmers, plus microfinance institutions and organisations that distribute or bundle insurance with credit.
Notable in Malawi’s market context, the company is described as the country’s first licensed inclusive insurance underwriter, licensed by the Reserve Bank of Malawi, with a focus on inclusive products and claims processes that work for customers without easy access to formal documentation or bank accounts.
MicroInsurance Facts
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Frequently Asked Questions About MicroInsurance
MicroInsurance Services Ltd is an inclusive insurance provider in Malawi that offers low-cost microinsurance products such as health, hospital cash, property, personal accident, business catastrophe, and weather-based crop cover. It works by partnering with individuals and organisations (including microfinance institutions) to provide insurance with simplified claims processes, including accepting simple documentation and paying claims through mobile wallets, often within 72 hours.
MicroInsurance operates primarily in Malawi, where it is headquartered in Lilongwe and focuses on serving rural and low-income communities and smallholder farmers.
You can start the process by contacting Microinsurance directly, for example to discuss suitable cover for you or your organisation and how to enroll. Typical sign-up routes include purchasing cover as an individual, joining group or credit-linked schemes through partner institutions, or arranging tailored products for your organisation.
No, MicroInsurance does not currently offer a mobile app for Android or iOS. Its services are provided through partner channels and direct contact, with claims often paid out via mobile wallets rather than a dedicated app.
MicroInsurance is best suited for low and middle-income individuals and families in Malawi, rural communities and smallholder farmers, and organisations such as microfinance institutions that want to bundle or distribute insurance with credit. It is also relevant for micro and small business operators who need affordable protection against health, property, accident, business, and climate risks.
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