Assurance Comparison Websites for Insurance in Madagascar
Options for Online Insurance in Madagascar
Auras Insurance – Offers travel insurance starting from about $1.50/day. You can purchase directly online, pay with any bank card, and receive the policy instantly by email. It’s valid worldwide and works for citizens of any country, including locals in Madagascar. 👉 Auras Travel Insurance Madagascar
Madagascar Travel Insurance
TATA AIG Madagascar Insurance
https://www.tataaig.com/travel-insurance/travel-insurance-madagascar
Provides Madagascar travel insurance with coverage for medical emergencies, COVID-19, leisure, business, and student travel.
Plans can be purchased online and cover multiple trips if needed.
HelloSafe Madagascar Insurance
https://hellosafe.com/travel-insurance/international
A comparison platform that lets you check different insurance providers, compare prices (typically $40–$80 for a week), and ensure coverage includes essentials like medical evacuation (important since advanced healthcare is limited locally).
Tips for Locals
Even if you’re not traveling abroad, some of these providers also offer domestic health and accident coverage.
Always check if the policy includes medical evacuation, since serious cases often require transfer to nearby countries.
Compare not just price, but also coverage limits (hospitalization, evacuation, trip cancellation, etc.).
Buying Insurance Online in Madagascar for Locals
Madagascar's insurance market is regulated by the Insurance Supervisory Service, with a focus on compulsory coverages like motor third-party liability. While online options are growing—especially for health and vehicle insurance—many processes still involve a mix of digital quotes, forms, and in-person verification at local branches due to limited e-commerce infrastructure. Local residents (Malagasy nationals) can access both domestic providers (often more affordable) and international plans (better for comprehensive coverage). Public health care exists but is under-resourced, so private insurance is common for better access to facilities like Espace Médical in Antananarivo.
Key challenges: Rural areas have limited access, and premiums may require payment via local banks (e.g., BNI, BOA) or mobile money (e.g., MVola). Always verify coverage complies with local laws, such as mandatory vehicle insurance under Ordinance No. 60-100.
Health Insurance (Assurance Santé)
Madagascar lacks universal social security, so locals often buy private plans for hospitalization, consultations, and repatriation. Online quoting is available via apps/websites, but full enrollment may need ID upload or branch visit.
Local Providers (Affordable, Tailored for Residents)**:
MADACARE
https://www.mulemacare.com
https://www.mulemacare.com/assurance-sante/pays/madagascar
A Malagasy e-health mutual for locals and diaspora. Covers daily care, hospitalization, dental, and optics in three tiers (basic to premium). Free annual check-up included. Fully online signup via app/website; reimbursements via bank transfer.
Starting premium: ~50,000 MGA/month (basic plan for individuals).
Allianz Madagascar
https://allianz.mg
Offers health plans with pharma, hospitalization, and repatriation to Réunion/Mauritius. Digital quote tool; app for claims.
French/English/Malagasy
Contact: +261 20 22 345 67; branches in Antananarivo, Toamasina.
Assurances ARO
https://www.aro.mg
ISO-certified local insurer with health add-ons to life/accident policies. Online form for quotes; covers local hospitals.
(app available for claims).
Premiums: From 30,000 MGA/month for basic outpatient.
Ny Havana Assurance
Oldest local firm; basic health for residents. Online inquiry form.
https://www.facebook.com/assurancenyhavana/
- **International Options (For Broader Coverage, e.g., Evacuation)**:
- **SanlamAllianz Madagascar**: Hybrid local-international; covers Madagascar + Indian Ocean. Online quotes; couples with repatriation.
- Website: [mg.sanlam.com](https://mg.sanlam.com/particuliers/assurance-non-vie/sante).
- **Mondassur**: Compares global plans; free online quote for locals needing visa-compliant coverage.
- Website: [www.mondassur.com](https://www.mondassur.com/en/visas-and-health-madagascar/).
**Tips**: Compare via [expat.com's Madagascar insurance list](https://www.expat.com/en/business/africa/madagascar/31_insurances/) for 20+ local firms. For families, add maternity/optics. COVID-era plans often include telehealth.
Car/Vehicle Insurance (Assurance Auto/Moto)
Third-party liability is compulsory for all vehicles. Full comprehensive is optional but recommended due to road risks. Online quotes are common, but policy issuance often requires vehicle docs (e.g., carte grise) upload.
Local Providers
- **Allianz Madagascar**: Comprehensive auto (theft, collision, liability). Online quote calculator; towing included.
- Website: [allianz.mg](https://allianz.mg/) – Select "Assurance Auto".
- Premiums: ~200,000 MGA/year for basic third-party (varies by engine size).
- **Assurances ARO**: Motor plans certified ISO 9001; covers daily use. App for renewals.
- Website: [www.aro.mg](https://www.aro.mg/).
- **Ny Havana Assurance**: Affordable for residents; compulsory liability focus. Online form.
- **SAHAM Assurance Madagascar**: Multi-risk vehicle; branches nationwide.
- Contact via [annuaire.mg](https://annuaire.mg/assurances-madagascar/) for quotes.
- **Brokers for Comparison**:
- **ASCOMA Madagascar**: Independent broker; scans local market for best rates. Online contact form.
- Website: [ascoma.com](https://ascoma.com/en/ascoma-madagascar-2/).
**Tips**: Renew annually; fines for non-compliance up to 1M MGA. For rentals, add excess waiver online via [rentalcover.com](https://www.rentalcover.com/en/worldwide/car-rental-insurance-madagascar) before booking.
#### 3. **Other Common Types**
- **Home/Property (Assurance Habitation)**: Allianz or ARO; covers fire/theft. Online quotes ~100,000 MGA/year.
- **Life/Retirement (Assurance Vie/Retraite)**: ARO's ISO plans; online enrollment for pension top-ups.
- **Travel (for Domestic Trips)**: Short-term via Allianz app; essential for cyclone season (Nov-Apr).
How to Buy Online Step-by-Step
1. Visit provider website/app (e.g., allianz.mg or aro.mg).
2. Use quote tool: Enter details (age, location, coverage needs).
3. Upload ID/vehicle docs; pay via bank transfer/MVola.
4. Receive e-policy; print for claims.
5. For help: Call hotlines (e.g., Allianz: 0800 50 100) or visit branches in Antananarivo.
For personalized quotes, start with Allianz or ARO—they're the most digital-friendly for locals. If issues, consult the Insurance Committee via Ministry of Economy site [mef.gov.mg](https://www.mef.gov.mg). Prices fluctuate with inflation (~7% in 2025); get multiple quotes.
Banks in Madagascar
Insurance in Madagascar