# Tulinde Tanzania — insurance guide for Tanzania > tulinde.co.tz is Tulinde's independent, sourced guide to insurance in Tanzania: Compulsory motor cover under Cap. 169, the new universal health insurance, and the Insurance Ombudsman. Regulator: Tanzania Insurance Regulatory Authority (TIRA). How to cite: "Tulinde, " with the page URL. Every page states its review date and links each fact to the Act, the regulator or the insurer's own document it comes from. Tulinde is an independent guide run by Takat AI; it is not an insurer, a broker or an agent, and it does not rank or rate insurers. ## Key facts - Tanzania: Regulator: TIRA; Compulsory cover: Motor third-party (Cap. 169); Insurance penetration (2025): 2.11% of GDP; Licensed insurers (active, register): 33; Currency: Tanzanian shilling (TZS). Regulator: Tanzania Insurance Regulatory Authority (https://www.tira.go.tz/). Currency: TZS. - Tanzania on Tulinde: 23 guides, 13 articles, 21 insurer profiles; latest review 2026-10-31. Quote requests: open (https://tulinde.co.tz/get-quotes/), passed to licensed insurers or brokers with the visitor's consent. - Editorial rules: every fact comes from a primary source listed on the page; no invented price, rating, review or "best insurer"; insurer lists reproduce the regulator's list; each page has a short answer, sections, FAQ, sources and a review date. - Language: English (plus Kiswahili guides in Kenya and Tanzania). No account, no paywall. ## Most searched - [Insurance in Tanzania: the rules, the insurers, your rights](https://tulinde.co.tz/): Insurance in Tanzania: compulsory motor cover, NHIF and universal health insurance, visitor travel cover, the 33 licensed insurers and TIRA's 2025 figures. - [TIRAMIS check (TIRA MIS): the complete guide to verifying insurance in Tanzania](https://tulinde.co.tz/check-motor-insurance/): TIRAMIS (TIRA MIS, tilamis) check on tiramis.tira.go.tz by plate, sticker or cover note: read ACTIVE or EXPIRED, then compare quotes if not covered. - [Bima ya afya Tanzania: vifurushi vya NHIF, bei 2026 na Bima ya Afya kwa Wote](https://tulinde.co.tz/bima-ya-afya/): Vifurushi vya NHIF na bei 2026 (Tarangire hadi Tanzanite), Toto Afya, Umoja Afya, Bima ya Afya kwa Wote (TZS 150,000 kwa kaya), kusubiri na kujiunga. - [Bima ya gari Tanzania: sheria, TIRAMIS na madai](https://tulinde.co.tz/bima-ya-gari/): Bima ya gari Tanzania kwa lugha rahisi: bima ya mtu wa tatu ni lazima (Sheria Cap. 169), inalipa nini, adhabu, jinsi ya kuhakiki bima kwenye TIRAMIS, na muda wa kulipwa madai. - [List of licensed insurance companies in Tanzania (2026)](https://tulinde.co.tz/insurance-companies/): The 33 insurance companies and takaful operators licensed by TIRA in Tanzania (register of 28 October 2026), the state-owned insurers, and how to check one. - [Car and motor insurance in Tanzania: what the law requires](https://tulinde.co.tz/motor-insurance/): The Motor Vehicles Insurance Act, Cap. 169 (revised edition 2023), in plain words: compulsory third-party cover, exclusions, penalties, e-stickers, how to verify a cover on TIRAMIS. - [Travel insurance in Tanzania: the mandatory US$44 visitor cover and the COMESA yellow card](https://tulinde.co.tz/travel-insurance/): Mandatory inbound travel insurance for visitors to Tanzania Mainland (NIC, from 1 Oct 2026) and Zanzibar (ZIC): US$44 for 92 days, exemptions; the yellow card. - [Zanzibar travel insurance: the mandatory US$44 inbound policy](https://tulinde.co.tz/zanzibar-travel-insurance/): Zanzibar travel insurance costs US$44 per visitor for 92 days (children half price, under-3s free): what it covers, exemptions and the new mainland rule. - [Compare two insurers in Tanzania](https://tulinde.co.tz/compare-insurers/): Pick any two insurers in Tanzania and compare them side by side on the regulator's 2024 figures: premium, market share, motor and medical business, claims ratio, complaints. - [Bodaboda and bajaji insurance in Tanzania](https://tulinde.co.tz/motorcycle-insurance/): Insurance rules for bodaboda motorcycles and bajaji three-wheelers in Tanzania: passenger cover when carrying for hire (Cap. 169), LATRA licensing and helmets, and how to check a cover. - [Largest insurance companies in Tanzania (2024), compared](https://tulinde.co.tz/largest-insurance-companies/): The top 10 insurance companies in Tanzania and every other insurer, ranked by premium on the regulator's 2024 figures: general, motor, health and life side by side. - [WCF Tanzania: Workers Compensation Fund contributions, claims and benefits](https://tulinde.co.tz/business-insurance/): The Workers Compensation Fund (WCF): employers pay 0.5% of gross earnings, register within 30 days, report accidents in 7 working days; benefits and appeals. - [NHIF Tanzania packages 2026: prices and benefits compared](https://tulinde.co.tz/nhif-packages/): Every NHIF Tanzania package compared — Tarangire, Ngorongoro, Mikumi, Serengeti, Tanzanite — with yearly prices, tests, medicines, surgery, CT/MRI and dental cover; Toto Afya, Umoja Afya, and the TZS 150,000 basic package. ## Vehicles - [Third-party vs comprehensive car insurance in Tanzania](https://tulinde.co.tz/third-party-vs-comprehensive/): The difference between the compulsory third-party minimum under Cap. 169 and broader motor policies in Tanzania, and the questions to ask before you choose. - [Daladala, taxi and ride-hailing insurance in Tanzania](https://tulinde.co.tz/commercial-vehicle-insurance/): Insurance for daladala, taxis, ride-hailing cars and goods vehicles in Tanzania: passenger cover under Cap. 169, LATRA licensing, the 45-day claim rule, and what operators should compare. ## Health and life - [NHIF Tanzania and health insurance: rates, universal cover, ZHSF and private plans](https://tulinde.co.tz/health-insurance/): Health insurance in Tanzania in 2026: NHIF rates (3% + 3% for public servants), packages from TZS 168,000, universal cover, ZHSF in Zanzibar, private insurers. - [Life insurance in Tanzania: how it works and your right to cancel](https://tulinde.co.tz/life-insurance/): Life insurance in Tanzania: the main types of policy, the life insurers licensed by TIRA, and your legal right under section 119 of the Insurance Act to cancel a new policy and get your premium back. ## Home, business and travel - [Home and property insurance in Tanzania](https://tulinde.co.tz/home-insurance/): Is home insurance compulsory in Tanzania? Private homes: no; commercial buildings and public markets: yes (Insurance Act s.134). What a home policy covers and how to compare. ## Your rights - [Insurance complaints by company in Tanzania](https://tulinde.co.tz/insurance-complaints-by-company/): How many complaints each insurer in Tanzania received (complaints 2024), compared with its size, from the regulator's own figures. - [How to complain about an insurer in Tanzania](https://tulinde.co.tz/complaints/): Claim rejected or delayed in Tanzania? How to complain to the insurer, then to the Tanzania Insurance Ombudsman: the TZS 40 million limit, the three-year time limit, the fee and the 60-day decision. - [Who's who in insurance in Tanzania: regulator, industry bodies and insurer CEOs (2026)](https://tulinde.co.tz/insurance-leaders/): Who leads insurance in Tanzania: TIRA (Dr. Baghayo Abdallah Saqware), industry bodies, complaints bodies and insurer CEOs, each from an official page. ## Tools and calculators - [NHIF package price calculator: Tarangire to Tanzanite, Toto Afya, Umoja Afya](https://tulinde.co.tz/nhif-package-calculator/): Yearly NHIF price for you, a spouse and up to four children on each package, Tarangire to Tanzanite, plus Toto Afya, Umoja Afya and the 3% + 3% rule. - [WCF contribution calculator: what an employer pays the Workers Compensation Fund](https://tulinde.co.tz/wcf-contribution-calculator/): Your monthly Workers Compensation Fund contribution in Tanzania: 0.5% of basic pay plus fixed allowances, public or private sector, and its due date. - [Insurance claim deadline calculator: when must a Tanzanian insurer pay?](https://tulinde.co.tz/insurance-claim-deadline-calculator/): Enter the date of your loss: each claim deadline under TIRA's 2025 guidelines, the 45-day payment rule of Insurance Act s.131 and when to go to TIRA. ## Articles (one real question each) - [Usajili wa NHIF: jinsi ya kujiunga mtandaoni, nyaraka na kuongeza wategemezi](https://tulinde.co.tz/usajili-wa-nhif/): Jinsi ya kujisajili NHIF kwenye selfservice.nhif.or.tz hatua kwa hatua, nyaraka za mwenza na watoto, kuongeza wategemezi, Toto Afya, Umoja Afya na waajiriwa. - [Sheria ya Bima ya Afya kwa Wote 2023: inasema nini na inakuhusu vipi](https://tulinde.co.tz/sheria-ya-bima-ya-afya-kwa-wote/): Sheria ya Bima ya Afya kwa Wote (Na. 13 ya 2023) kwa lugha rahisi: vifungu vilivyoanza kutumika, vitita vya mafao, kaya zisizo na uwezo, waajiri na adhabu. - [NHIF portal Tanzania: Self Service login, registration, eCard and the other NHIF websites](https://tulinde.co.tz/nhif-portal/): The official NHIF portal is NHIF Self Service (selfservice.nhif.or.tz): register, log in, add dependants, get your eCard. Which NHIF site does what, step by step. - [Universal Health Insurance Act 2023, Tanzania: what is in force, the benefit packages and what it means for you](https://tulinde.co.tz/universal-health-insurance-act-tanzania/): Tanzania's Universal Health Insurance Act (No. 13 of 2023) in plain English: sections in force, the three benefit packages, poor households, employers, penalties. - [Insurance cover note in Tanzania: what it is, how you get it and how to check it](https://tulinde.co.tz/cover-note/): A cover note is the temporary proof of insurance TIRA defines, issued when you pay. What it must show, the e-sticker, how to get one and check it on TIRAMIS. - [Madhara ya kuendesha gari bila bima Tanzania: adhabu, leseni na fidia](https://tulinde.co.tz/madhara-ya-kuendesha-gari-bila-bima/): Madhara ya kuendesha gari bila bima Tanzania: faini, kifungo hadi miezi sita, leseni kufungiwa miezi 12, fidia ya ajali juu yako na hatari ya stika feki. - [NHIF verification in Tanzania: how your membership and card are checked](https://tulinde.co.tz/nhif-verification/): How hospitals verify your NHIF card or NIDA number before treatment, why a card shows inactive, how to check your own status, and the fines for false claims. - [NHIF registration in Tanzania: individuals, families, employees, children and students](https://tulinde.co.tz/nhif-registration/): Register with NHIF in Tanzania: online steps on selfservice.nhif.or.tz, documents for a spouse and children, employers, Toto Afya, Umoja Afya and students. - [ZHSF: the Zanzibar Health Services Fund explained](https://tulinde.co.tz/zhsf/): ZHSF, the Zanzibar Health Services Fund (Act No. 1 of 2023): who must join, the 7% contribution (3.5% + 3.5%), dependants, benefits, employer penalties. - [TIRA Tanzania: what the insurance regulator does and how it protects you](https://tulinde.co.tz/tira-tanzania/): TIRA, Tanzania's insurance regulator: its legal duties, the insurers, brokers and agents it licenses, TIRAMIS, complaints and its 2025 market figures. - [Bima ya pikipiki Tanzania: bodaboda, bajaji, sheria na TIRAMIS](https://tulinde.co.tz/bima-ya-pikipiki/): Bima ya pikipiki na bodaboda Tanzania: bima ya mtu wa tatu ni lazima, abiria wa kulipia lazima walindwe, adhabu, e-stika, kuhakiki TIRAMIS, LATRA na madai. - [Jubilee insurance medical packages in Tanzania: plans and 2026 prices](https://tulinde.co.tz/jubilee-health-insurance-packages/): Jubilee Health Insurance's medical packages in Tanzania as its own pages list them: Jubilee Afya prices by age, Afya Bima from TZS 300 a month, J-Care. - [Marine insurance in Tanzania: cargo, vessels and liability](https://tulinde.co.tz/marine-insurance/): Marine insurance in Tanzania: import cargo must be insured with a Tanzanian insurer, vessels and ferries must be insured, and TIRA's 2024 marine figures. ## Insurer profiles (licence, claim deadline, how to complain) - [Britam in Tanzania](https://tulinde.co.tz/insurers/britam/) - [Jubilee in Tanzania](https://tulinde.co.tz/insurers/jubilee/) - [ICEA LION in Tanzania](https://tulinde.co.tz/insurers/icea-lion/) - [Sanlam Allianz in Tanzania](https://tulinde.co.tz/insurers/sanlam-allianz/) - [GA Insurance in Tanzania](https://tulinde.co.tz/insurers/ga-insurance/) - [MUA in Tanzania](https://tulinde.co.tz/insurers/mua/) - [Mayfair in Tanzania](https://tulinde.co.tz/insurers/mayfair/) - [Heritage in Tanzania](https://tulinde.co.tz/insurers/heritage/) - [National Insurance Corporation (NIC) in Tanzania](https://tulinde.co.tz/insurers/national-insurance-corporation/) - [Strategis in Tanzania](https://tulinde.co.tz/insurers/strategis/) - [Alliance Insurance in Tanzania](https://tulinde.co.tz/insurers/alliance-tanzania/) - [Zanzibar Insurance Corporation (ZIC) in Tanzania](https://tulinde.co.tz/insurers/zanzibar-insurance/) - [Assemble Insurance in Tanzania](https://tulinde.co.tz/insurers/assemble/) - [Reliance Insurance in Tanzania](https://tulinde.co.tz/insurers/reliance/) - [MO Assurance in Tanzania](https://tulinde.co.tz/insurers/mo-assurance/) - [Resolution Insurance in Tanzania](https://tulinde.co.tz/insurers/resolution/) - [CRDB Insurance in Tanzania](https://tulinde.co.tz/insurers/crdb-insurance/) - [Bumaco in Tanzania](https://tulinde.co.tz/insurers/bumaco/) - [Milembe in Tanzania](https://tulinde.co.tz/insurers/milembe/) - [Tanzindia in Tanzania](https://tulinde.co.tz/insurers/tanzindia/) - [Metro Life Assurance in Tanzania](https://tulinde.co.tz/insurers/metro-life/) ## Tools - [Get insurance quotes in Tanzania](https://tulinde.co.tz/get-quotes/): a short form; the request goes to licensed insurers or brokers - [Compare insurance in Tanzania](https://tulinde.co.tz/compare-insurance/) - [Free PDF guides for Tanzania](https://tulinde.co.tz/free-guides/): sourced guides compiled as PDFs to keep, print or share - [Tanzania insurance blog](https://tulinde.co.tz/blog/): Motor & vehicles, Health & life, Home, business & travel, Insurers & your rights, Kwa Kiswahili ## Across the four countries - [Motor insurance compared: Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/motor-insurance-east-africa/): Compulsory motor insurance in Kenya, Uganda, Tanzania, Ethiopia and South Africa: what the law covers, limits, penalties and how to check a cover. - [Public health insurance compared: SHA, NHIF, CBHI, Uganda and South Africa](https://tulinde.africa/compare/health-insurance-east-africa/): Kenya's SHA, Tanzania's NHIF, Ethiopia's CBHI and SHI, Uganda and South Africa's medical schemes compared: who pays, how much, where private cover fits. - [How fast must insurers pay? Claim deadlines in Kenya, Uganda, Tanzania, Ethiopia and South Africa](https://tulinde.africa/compare/claim-deadlines-east-africa/): Claim and complaint deadlines: Kenya 90 days, Uganda 10–20 working days, Tanzania 45 days, Ethiopia 10 business days, South Africa 10 days for a rejection. - [Work-injury cover for employers: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/workers-compensation-east-africa/): What employers must insure or pay for work injuries: WIBA in Kenya, Uganda's Workers Compensation Act, WCF in Tanzania, Ethiopia's Labour Proclamation, COIDA. - [Insurance markets compared: Kenya, Uganda, Tanzania, Ethiopia, South Africa](https://tulinde.africa/compare/insurance-markets-east-africa/): Insurance penetration, premiums and number of licensed insurers in Kenya, Uganda, Tanzania, Ethiopia and South Africa, from the regulators' latest reports. - [Insurance groups across East Africa: who is licensed where](https://tulinde.africa/compare/insurance-groups-east-africa/): Which big insurance groups are licensed in Kenya, Uganda and Tanzania, and for what: Britam, Jubilee, ICEA LION, Sanlam Allianz, CIC, APA, GA, MUA, Old Mutual and more — from the regulators' lists. - [Car insurance checklist: 10 things to check before you pay](https://tulinde.africa/checklists/motor/) - [Motorcycle and boda boda insurance checklist](https://tulinde.africa/checklists/motorcycle/) - [Commercial and passenger vehicle insurance checklist](https://tulinde.africa/checklists/commercial/) - [Health insurance checklist: 10 questions before you sign](https://tulinde.africa/checklists/health/) - [Life insurance checklist](https://tulinde.africa/checklists/life/) - [Home insurance checklist](https://tulinde.africa/checklists/home/) - [Business insurance checklist](https://tulinde.africa/checklists/business/) - [Travel and cross-border driving checklist](https://tulinde.africa/checklists/travel/) ## Optional - [Full text of this domain (short answers, sections, FAQ, sources)](https://tulinde.co.tz/llms-full.txt) - [Tulinde regional hub, Ethiopia, Botswana, Ghana, Malawi, Namibia, Nigeria, Rwanda, Zambia and Zimbabwe (tulinde.africa): llms.txt](https://tulinde.africa/llms.txt) - [Tulinde Kenya (tulinde.co.ke): llms.txt](https://tulinde.co.ke/llms.txt) - [Tulinde Uganda (tulinde.co.ug): llms.txt](https://tulinde.co.ug/llms.txt) - [Tulinde South Africa (tulinde.co.za): llms.txt](https://tulinde.co.za/llms.txt) - [About Tulinde](https://tulinde.africa/about/): Tulinde explains insurance in Kenya, Uganda, Tanzania and Ethiopia and puts people in touch with licensed insurers and brokers. - [How Tulinde works and how we make money](https://tulinde.africa/how-tulinde-works/): Tulinde is free for you. Licensed insurers and brokers pay for introductions. Here is exactly how it works and what we never do. - [Editorial policy: how we check every fact](https://tulinde.africa/editorial-policy/): Every rule, date and figure on Tulinde is linked to a regulator, an Act or an official report. How we write, check and update our guides. - [Terms of use](https://tulinde.africa/terms/): The terms that apply when you use Tulinde's guides and quote request form. - [Insurance glossary](https://tulinde.africa/glossary/) - [Privacy notice](https://tulinde.africa/privacy/) - [Sitemap](https://tulinde.co.tz/sitemap.xml)