The insurance sector reported total premiums of EGP110.1bn ($2.3bn) in 2025, growing by 30.6% over 2024, the Financial Regulatory Authority (FRA) revealed in its annual report for the year 2025.
The life and savings insurance accounted for EGP61.9bn of the total, while the property and liability branch raked in EGP48.2bn. The distribution ratio was 56.2% and 43.8%, respectively.
Compensation payouts totalled EGP47bn in 2025, increasing by 34.3%, compared to EGP35bn in 2024.
The FRA stressed that 2025 represented a real turning point in the path of reforming and developing the Egyptian insurance market, whether at the level of financial indicators or legislative and regulatory frameworks. These are reflected in enhancing stability, protecting the rights of customers, and supporting insurance inclusion.
FRA Chairman Dr Mohamed Farid affirmed that 2025 was the culmination of a series of reforms that began in 2022. He added that the Authority does not rely on quick solutions or a “magic wand”, but rather on a clear vision and disciplined implementation, with constant interaction with market participants to achieve a balance between growth and stability.
The report indicated that the market currently includes 39 insurance companies and 95 insurance brokerage companies, in addition to 671 active private insurance funds catering to 5m subscribers, as well as six government insurance funds serving about 28m citizens.
Regarding regulatory reforms, 2025 saw the issuance of a broad package of decisions and executive rules for the Unified Insurance Law that was passed in July 2024.
The annual inflation rate in Egypt was 10.3% in December 2025, declining from 24.0% in January of the same year, according to data from the Central Agency for Public Mobilisation and Statistics (CAPMAS).