{"id":379023,"date":"2025-11-24T17:07:19","date_gmt":"2025-11-24T16:07:19","guid":{"rendered":"https:\/\/www.afis.africa\/?p=379023"},"modified":"2025-11-24T17:13:27","modified_gmt":"2025-11-24T16:13:27","slug":"ai-regulation-african-insurance","status":"publish","type":"post","link":"https:\/\/www.afis.africa\/en\/ai-regulation-african-insurance\/","title":{"rendered":"\u2018Understand and live\u2019 with AI &amp; Insurtech before pretending to regulate, CIMA chief urges Africa&#8217;s insurance authorities"},"content":{"rendered":"\n<p class=\"has-black-color has-text-color has-link-color wp-elements-abaf5d047821c0f531cb4b590be168d7\"><br><strong>Before setting rules, insurance regulators must live with AI tools long enough to understand their real-world behaviour, says the head of the supranational body setting insurance rules across 14 mostly Francophone West and Central African countries.<\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-be6c31a1bae46967826bbcb18f370281\">Machine learning, AI and GenAI are poised to transform insurance distribution and risk modelling. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-728a91aa69afa76a4e81e1796a3dee1e\">South Africa\u2019s Old Mutual has <a href=\"https:\/\/www.oldmutual.com\/v3\/assets\/bltdd392fd32dda3ce8\/blteca782d28834c8e1\/67e3c1db93a8a67a4cbfe1e7\/Integrated_Report_2024.pdf\">highlighted<\/a> AI\u2019s potential to personalise health and life insurance premiums using fitness tracker data. Nigeria\u2019s Leadway Assurance is deploying <a href=\"https:\/\/www.leadway.com\/leadway-assurance-launches-an-ai-enhanced-vehicle-inspection-tool-vehiscannerai\/\">VehiScannerAI<\/a>, allowing policyholders to scan damage to their vehicles to accelerate motor insurance claims, while Kenya\u2019s Britam is backing AI insurance startups via its <a href=\"https:\/\/www.youtube.com\/watch?v=9CdnJvPOzWM\">BetaLab<\/a> accelerator.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u2018New challenges to consumer protection\u2019<\/strong><\/h5>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e73456178bad830ff2abeb429d50a9c2\">Speaking at AFIS 2025, Blaise Abel Ezo&#8217;o Engolo, Secretary General of the Inter-African Conference on Insurance Markets (CIMA), said AI was developing <em>\u201cat great speed\u201d<\/em> and was <em>\u201cthe burning subject\u201d<\/em> in the insurance sector.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-89ffdd08697a4fc9ab601ad2907a34f4\"><em>\u201cArtificial Intelligence, digitalisation and Insurtech create new challenges to consumer protection,\u201d <\/em>said the regulator.<br><br>He added that insurance customers with weak digital literacy could be exposed to opaque contracts embedded in digital apps, algorithmic bias, and data confidentiality issues that transcend national borders.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u2018Regulating AI too late or too early may be harmful\u2019<\/strong><\/h5>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-8e756822def5df9f29681db40a6e6760\"><em>\u201cMost of our rules have been set in a way that served only traditional elements,\u201d <\/em>said Ezo&#8217;o Engolo<em>. \u201cWe have to adapt to new things.\u201d<\/em><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-14b6ba0bcb23c20a96f4aaffac1b9d63\">But the CIMA Secretary General cautioned against moving too quickly. <em>\u201cRegulating AI too late or too early may be harmful,\u201d <\/em>he said.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c1b3687ac92487459904ac11d7fbd464\"><em>\u201cPutting in place a regulation is one thing; supervising and controlling it is another. In a scheme where activity precedes regulation, it is necessary to understand and live with these new technologies before pretending to regulate or create rules,\u201d <\/em>he continued. He added that guidelines or parliamentary acts must be precise enough to keep pace with technological evolution and should be supported by skilled personnel and robust monitoring systems<em>. \u201cThis calls upon us to revise the control systems,\u201d<\/em> he said.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Four of 55 African states have a national AI policy<\/strong><\/h5>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-619a11771ba209616339eb8763fb5b11\">AI regulation in Africa has been gradually evolving since the <a href=\"https:\/\/smartafrica.org\/wp-content\/uploads\/2019\/01\/smart_africa_manifesto_2013_-_english_version.pdf\">2013 Smart Africa Manifesto<\/a>.<br><br>Yet among 55 African states, just four have a national AI policy and seven have an AI strategy. Fifteen run AI working groups, while 41 have privacy and data protection laws.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-914729b745fd647fb7ff31689e311d1e\"><em>\u201cThis shows that African countries do not yet have enough national or regional laws, but they are still doing their best to be active and proactive,\u201d<\/em> said the CIMA chief.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d9adca397cc485a07447e9c3d61ddef9\">The African Union\u2019s <a href=\"https:\/\/au.int\/sites\/default\/files\/decisions\/37590-2019_sharm_el_sheikh_declaration_-_stc-cict-3_oct_2019_ver2410-10pm-1rev-2.pdf\">2019 Sharm El Sheikh declaration<\/a> called for a common African stance on AI and the creation of an AI working group. This led to the <a href=\"https:\/\/smartafrica.org\/wp-content\/uploads\/2023\/11\/70029-eng_ai-for-africa-blueprint-min.pdf\">2021 Blueprint \u2013 Artificial Intelligence for Africa<\/a>, which offered recommendations for national strategies, and in July 2024 the AU unveiled its <a href=\"https:\/\/au.int\/en\/documents\/20240809\/continental-artificial-intelligence-strategy\">Continental Strategy on AI.<\/a><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-b55ba9b076b7acc46f9d815155650d69\"><em>\u201cThrough parliament and other instances, we must take this into account. This should be translated into texts\u2014decrees, circulars, regulations, directives, and so on\u2014to regulate this domain,\u201d<\/em> said CIMA\u2019s Secretary General.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3ffc350a94f78d7652ab6a38dc29674d\">The upcoming African Financial Industry Barometer by Deloitte and AFIS, due January 2025, found insurers see AI\u2019s main applications in personalising products, streamlining processes, and simplifying onboarding.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before setting rules, insurance regulators must live with AI tools long enough to understand their real-world behaviour, says the head of the supranational body setting insurance rules across 14 mostly Francophone West and Central African countries. Machine learning, AI and GenAI are poised to transform insurance distribution and risk modelling. South Africa\u2019s Old Mutual has [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":379035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[94],"tags":[153,173,176,174,175,177],"class_list":["post-379023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expanding-insurance","tag-afis2025","tag-ai","tag-cima","tag-data-protection","tag-insurtech","tag-regulation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u2018Understand and live\u2019 with AI &amp; Insurtech before pretending to regulate, CIMA chief urges Africa&#039;s insurance authorities - The African Financial Summit Platform<\/title>\n<meta name=\"description\" content=\"CIMA\u2019s chief says African insurance regulators must understand AI before setting rules. 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