Cameroon
The largest CIMA market in Central Africa: DNA supervision, CIMA Code, the 2024 data law, MTN MoMo and Orange Money. A WhatsApp guide for Cameroonian brokers.
Gabon hosts the CIMA headquarters in Libreville and remains, relative to population, one of the wealthiest markets in the zone: about XAF 144 billion of premiums in 2024 according to FANAF's 2026 "Spécial Chiffres", written by only 9 or 10 companies. Life (26%), personal accident and health (25%), fire (19%) and motor (18%) share most of the portfolio.
The Direction Nationale des Assurances — one of the few national supervisors in the zone with a proper website — publishes the market's line-up: some thirty licensed brokers, an insurers' federation (FEGASA) and a brokers' federation (FGCA). The market lives on the health and protection programmes of large employers, oil and mining risks, and the fleets of Libreville and Port-Gentil.
For a Gabonese firm the client relationship is urban, connected and demanding: policyholders compare, expect fast answers and happily run everything through WhatsApp — quotes, pre-authorisation vouchers, certificates. Market concentration makes service quality decisive: with ten companies, everyone knows everyone.
The DNA at the Ministry of Economy and Finance processes broking licences and publishes the list of authorised intermediaries; the CIMA's CRCA supervises from Libreville itself. A financial guarantee, professional indemnity cover and fit-and-proper management are the conditions of practice.
Article 13 of the CIMA Code applies strictly: cash before cover, no certificate before collection, no renewal of an unpaid policy. Corporate health schemes, often run on a third-party payment basis, demand particular discipline on beneficiary lists and staff movements.
Data protection has been modernised: Law 001/2011 was amended by Law 025/2023 and the CNPDCP became the APDPVP, an independent authority with a website and strengthened powers. For a brokerage: declare your processing, frame prospecting with documented opt-in, secure health data — especially sensitive — and never let beneficiary lists transit through uncontrolled WhatsApp groups.
In Libreville and Port-Gentil, a broker's typical client is an employee of a large company, covered under a group health scheme, who messages the account handler on WhatsApp for pre-authorisations, reimbursement follow-ups or adding a dependant. Individuals pay motor premiums via Airtel Money or Moov Money; companies by bank transfer.
An efficient firm runs a single WhatsApp Business number, labels per corporate client and per line, and reply templates for recurring requests (pre-authorisation, reimbursement, certificate). Written French is near-universal, which keeps the template set simple.
Local traps: health data circulating in the clear (vouchers, prescriptions, beneficiary lists) — the APDPVP's number-one concern —, confusion between the handler's personal number and the firm's, and premium reminders sent to employees when the payer is the employer. Map who pays what before automating anything.
For a Gabonese brokerage, ORIS organises the health flow: each corporate client becomes a segment, each employee a record, and pre-authorisation requests land in a shared inbox where the handler on duty answers without depending on an absent colleague's phone.
Renewal campaigns target HR decision-makers with sober Meta-approved templates; retail motor reminders mention Airtel Money or Moov Money. The AI classifies inbound messages — pre-authorisation, complaint, defection signal — and drafts replies; sensitive cases escalate to a human. Audit logs and CSV export document the activity for the DNA and the APDPVP.
The APDPVP, created by the 2023 reform that transformed the CNPDCP. It pays particular attention to health data, which is central to a Gabonese broker's group-benefits work.
The Direction Nationale des Assurances publishes on its website the list of authorised brokers and intermediaries, alongside life, non-life and micro-insurance companies. Check it before any partnership or co-broking.
Yes for service exchanges (pre-authorisations, certificates, adding dependants), provided health data is secured, recipients are restricted and uncontrolled groups are banned.
The framework is the same as in the 13 other member states, but proximity to the Secretariat and the CRCA makes the market especially exposed to inspections and regulatory developments.
Shared WhatsApp inbox, client records, follow-ups and opportunities for the whole brokerage. 15-minute demo.
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