Microinsurance (or insurance in general) may not be affordable to all Swazis. Below a certain income threshold, non-market interventions such as public social safety nets can play the role of insurance. With this in mind, the market opportunity for microinsurance in Swaziland is estimated to stand at about 633,000 people. Tapping into this potential will depend on the innovative capacity of insurers.

This 2011 diagnostic study reviewed the opportunities and challenges facing Swaziland’s microinsurance market and was intended to catalyse a process through which all stakeholders could realise the market’s full potential. It includes a demand-side analysis, overview of supply and distribution, as well as a review of the regulatory framework.