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Sunday, August 17, 2025
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Mutondo Stars Stun Nkana

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Promoted Mutondo Stars stunned FAZ Super Division giants Nkana in Sunday’s revived Kitwe derby at Levy Mwanawasa Stadium in Ndola.

Formerly defunct Mutondo have made a return to the top league following their revival in 2020 by former Nkana officials.

Substitute Dalitso Lungu scored after 70 minutes as Mutondo beat Nkana 1-0 in the round two match played at lunch time.

Lungu shook the net less than five minutes after replacing Titus Chansa to excite his coach Zeddy Saileti.

Mutondo have condemned Kalampa to their second consecutive loss in the new campaign.

Meanwhile, Zesco United forced a home 1-1 draw against Prison Leopards in the second match at Levy Mwanawasa Stadium.

New Boys MUZA Stroll to CAF Confed Cup Second Round

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Debutants FC Muza are celebrating after advancing to the CAF Confederation Cup second round when eliminating Cano Sport of Equatorial Guinea via a 4-1 aggregate scoreline.

Muz on Sunday thrashed Cano 3-0 at National Heroes Stadium in Lusaka following a 1-1 draw in the first leg match.

Striker Andrew Phiri, Kondwani Mhango and Bobo Angwenga scored for the Mazabuka club that has found a temporal home in Lusaka.

Mhango put Muza in the driving seat with a 17th minute lead with Phiri doubling the scores via a 50th minute penalty and Angwenga made it 3-0 after 62 minutes.

It was a convincing triumph for CAF club competitions minnows Muza in Africa.

Katambi advises church not to practice tribalism

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North-western Province Permanent Secretary, Grandson Katambi, says government does not expect the church to practice tribalism.

Colonel Katambi (rtd) says tribalism among church can only occur when the clergy refuse to learn the local languages of the people they are serving.

He said this during the induction ceremony of reverend Chali Kasuma for Kimiteto United Church of Zambia (UCZ) as Pastor of Kimiteto Church in Solwezi district.

Col. Katambi has since urged the newly inducted pastor to learn the language of the local people.

” I know tribalism in church, Reverend Kasuma, you have to know the local languages. Does that pain you? ” he remarked.

He said the same message also goes to all civil servants working in health facilities and schools.

Col. Katambi said this is so because for them to be understood well and to deliver the required services, they must know the local languages of where they are operating from.

“There is no way one can be here for 20 years and then you tell me that you don’t understand ichitundu (meaning I don’t know the language) …but we are one flesh. So, for you to deliver, you have to understand the language of people where you are serving,” he said.

Col. Katambi has therefore called upon the church to unite and avoid tribalism.

He also called on the members of the Kimiteto UCZ congregation to support their newly inducted pastor so that he can achieve his vision for the church.

Meanwhile Col. Katambi has urged the newly inducted Pastor to take full charge of the Kimiteto congregation and allow the light of God to shine to the Kimiteto community through his good deeds.

He said the people’s lives can only be transformed when they have a shepherd who leads by example.

And Col. Katambi said it pains him to see people from the same church discriminating against each other when it comes to job opportunities based on tribal affiliation.

“It pains me. Somebody comes with a recommendation…he is a church goer leaving someone who is well qualified just because they come from the same area…leaving someone who is well qualified, well disciplined…then you ask them can you justify this they will not tell you, ” he said.

And speaking at the same occasion, Bishop Moses Gondwe, called upon government to concentrate on service delivery and not politicking.

Bishop Gondwe said it is now time to deliver the much-needed development to the people.

“We are looking for a time when the leaders of this nation both in government and opposition will know when it is time for elections and when it is time for service. That you have deprived us. We hear people talking every other time…. we hear people defending themselves every other time,” he said.

He said the people of Zambia are interested in services that will make them become better citizens.

Minister Advocates Blending Sport, Culture, and Tourism to Showcase Unique Heritage

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Minister of Tourism, Rodney Sikumba, has underscored the importance of combining sport, culture, and tourism to not only strengthen Zambia’s cultural heritage but also to exhibit the nation’s identity to the global community. Minister Sikumba made these remarks while officiating at the 2023 Zambia Sports Expo and Forum Cultural Night and Gala Dinner.

During the event, Minister Sikumba acknowledged the significant role played by various diaspora associations in promoting Zambia as a prime tourist destination within their respective countries of residence. He urged members of the diaspora to consider investing in the country’s burgeoning tourism sector, emphasizing that the present moment presents a unique opportunity for such investments.

Furthermore, he encouraged collaboration between the government and the diaspora in harnessing Zambia’s tourism potential. By leveraging sport, culture, and tourism, Minister Sikumba believes that Zambia can showcase its unique cultural heritage, ultimately benefiting the nation’s economy and global image.

Tourism Minister Rodney Sikumba speaking at the 2023 Zambia Sports Expo and Forum Cultural Night and Gala Dinner

Ferdinand Simaanya, President of the Zambia Diaspora Organization, expressed his optimism about the event’s potential to mark the start of a new era of cooperation between the organization and the Zambian government. Simaanya emphasized the importance of unity among the sports community, financial stakeholders, and all concerned parties who share the common goals of revenue generation and skills transfer.

Maestro United FC (MUZA) Secures CAF Confederation Cup Next Round Spot with Convincing Win

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In an exhilarating match that showcased their prowess on the pitch, Maestro United FC, known as MUZA, has clinched a place in the next round of the CAF Confederation Cup. They achieved this feat by defeating CANO Sports Academy of Equatorial Guinea with an impressive aggregate score of 4-1.

MUZA’s victory was secured in the second leg of the competition, played on home turf, where they triumphed 3-0 over their Equatoguinean opponents. Bono Angwenga, Andrew Phiri, and Khondwani Mhango were the standout performers for the Zambian club.

The thrilling encounter began with Khondwani Mhango breaking the deadlock in the 17th minute with a cleverly executed finish that sent the home crowd into raptures. As halftime approached, Andrew Phiri extended MUZA’s lead, converting a spot-kick opportunity.

After the halftime break, MUZA continued to assert their dominance, controlling ball possession and creating chances. Their efforts paid off when Bono Angwenga netted the third goal, sealing the game’s fate and MUZA’s progression in the competition.

With this resounding win, MUZA has now booked a date with Diables Noires of Congo Brazzaville in the subsequent round of the CAF Confederation Cup. The Zambian side will look to build on their impressive form as they seek to advance further in the tournament.

Centre for Policy Dialogue Stresses Police Mandate in Regulating Political Rallies Amid Security Concerns

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The Centre for Policy Dialogue has highlighted that the police have a clear mandate to exercise caution in permitting political rallies, especially when security concerns arise. The organization’s Executive Director, Caroline Katotobwe, has called for a harmonious relationship between political players and law enforcement agencies to determine suitable times and locations for rallies, ensuring they unfold peacefully.

Speaking in an interview with ZNBC News in Lusaka, Ms. Katotobwe emphasized that political rallies are an essential component of democratic practices and the exercise of freedom of assembly and association. While recognizing the significance of political gatherings, she underscored the importance of respecting security considerations in the interest of public safety.

Over the past week, tensions have escalated between the Zambia Police and the opposition Patriotic Front party concerning the party’s intention to hold a political rally in the Zingalume area of Lusaka. This standoff has drawn attention to the delicate balance between political expression and maintaining law and order.

Ms. Katotobwe also called for peaceful coexistence among political parties in the country as a vital means of reducing political violence. She stressed that political violence is fundamentally incompatible with the principles of democracy and urged all stakeholders to prioritize peaceful engagement in the political arena.

Furthermore, Ms. Katotobwe highlighted the necessity of intensifying civic education as a crucial measure to combat political violence. By enhancing civic awareness and understanding, citizens can make informed decisions, contribute to peaceful dialogue, and minimize the risk of violence in the political landscape.

Spend holidays in Zambia, Sikumba tells Zambians in the diaspora

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Minister of Tourism, Rodney Sikumba, has implored Zambians living in the diaspora to consider spending their family holidays in their home country-Zambia.

Mr Sikumba says Zambia has magnificent tourism sites that offer a unique experience for both local and international tourists.

Mr Sikumba has since encouraged Zambians living in the diaspora to contribute in growing the country’s economy by spending their holidays in Zambia.

The Minister of Tourism said this last evening during a cultural dinner to mark the close of the Sports Expo and Forum which ran from the 25th to 26th of August 2023.

Mr Sikumba has also called on Zambians living in the diaspora to invest back home.

He said this is the right time that Zambians abroad should invest in various sectors of the economy.

Meanwhile, Mr Sikumba has called for the preservation of the country’s culture.

He said Zambia has a unique culture which the Ministry of Tourism which will continue to market to the outside world.

The Minister meanwhile thanked the Zambia Diaspora Organisation for initiating and organising the first ever Sports Expo and Forum.

He said the level of participation during the two days event is a testament of the power of sport in uniting people.

Mr Sikumba said the Sports Expo created a platform for Zambia to showcase the country’s rich culture and tourism endorsements.

And speaking earlier, Zambia Diaspora Organisation (ZDO) President, Ferdinand Simaanya, thanked government for creating an enabling environment that is conducive to the growth of sports in the country.

Mr Simaanya pledged that the organising committee will popularise the Sports Expo and forum.

He expressed happiness with the level of participation from all participants in various sporting disciplines.

Mr Simaanya said the event demonstrated and showed the power of sports as it brought together people of different cultures.

He described the 2023 Sports Expo and Forum as a huge success.

President Hichilema urges UPND members to explain party achievements

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President Hakainde Hichilema has called on members of the United Party for National Development (UPND) to go out in various communities of Western Province to explain what the party in government has done in its first two years of being in power.

 And Mr Hichilema has advised all the UPND members to visit every home in various communities of the province to ensure that even old people are registered and be put on the social cash transfer.

President Hichilema said this during the national launch of celebrations of the UPND’s 24 months in power held at Mongu stadium today.

 “We are in a hurry to bring meaningful development to Western Province and the entire country,” Mr Hichilema said.

 The President has meanwhile thanked the people of Western Province for massively voting the party two years ago. 

“We struggled for a long time to form a government but you the people of this region, you have made us win and we are your servants,” he said.

 The President also instructed all retirees who have not yet been paid their terminal benefits should be identified.

 “I request every member in the ten days of the UPND activism to ensure that those retirees who have not yet received their benefits write their names and submit the names to the Permanent Secretary so that we pay them. We are here to better the lives of our people, ensure that you move with pieces of papers to write the names of everyone so that they receive help from this government,” he said.

 Mr Hichilema said party members should show compassion to the underprivileged people in the province.

He said children who are not going to school should return to class because there is now free education.

 “My colleagues, let us take note of every school, clinics among other projects that do not have water so that we drill boreholes. We have enough money through the increased Constituency Development Fund (CDF). We are on the rightful trajectory of reconstructing this country,” he said.

 Mr Hichilema further said in the ten days of UPND activism, all party structures should start checking on all the CDF projects in order to ensure that there is progress. 

“Don’t allow people to misuse CDF monies because this is your money meant to enhance infrastructure development in your areas,” he said.

 He disclosed that the focus of the government is to ensure that the Lukulu-Katunda- Mumbeji, Sesheke-Livingstone, Kaoma-Kasempa and Mongu-Lusaka roads are worked on in order to ease the movement of people and goods in the province.

 “As we commemorate our two years of being in power, we should have a focus on improving the living standards of our people in the country,” Mr Hichilema said.

 The President said his government attaches great concerns to many challenges that are affecting the people in the province.

 He said these challenges will soon be brought to order so that the people in the region appreciate their efforts of voting for the UPND into office.

 “You have given us a five-year mandate of ruling this country and in the five years, we have already done two years and everyone is a witness to what we are doing,” he said. 

“We have increased the CDF from K1.6 million to K28.3 million. We want to ensure that in the next budget, we increase the CDF so that we improve the living standards of our people in this country,” Mr Hichilema said.

 The Head of State has meanwhile implored youths and women to form cooperatives in order for them to have access to the CDF in the province.  

 And Western Province Minister, Kapelwa Mbangweta said the region has witnessed a lot of development such as the construction of Luanginga bridge that is connecting Kalabo town to Liuwa constituency to the south-west tourism corridor.

 “As I am speaking now, the Kafue hook bridge that connects Western province from Central province is completed, government has opened a renal unit at Lewanika General hospital that is serving many lives of people in the province. Mongu-Limulunga road is also completed,” Mr Mbangweta said.

 He said the province has recorded massive development in the last 24 months, adding that more major infrastructure development projects are under way.

 And UPND Secretary General, Batuke Imenda has called on the UPND leadership to embark on strategies of growing the party in the province. 

“We need more members to join our party, that way, we will increase the party membership,” Mr Imenda said.

 President Hichilema was accompanied by UPND Secretary General, Batuke Imenda, Infrastructure, Housing and Urban Development Minister, Charles Milupi, Water Development and Sanitation Minister, Mike Mposha and Minister of Community Development and Social Services, Doreen Mwamba among other notable dignitaries.

Senanga residents flock to get medical services from ZFDS

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A medical doctor at Senanga General Hospital has thanked the government for sending the Zambia Flying Doctor Service (ZFDS) to conduct surgical operations on the people who have no access to such services.

ZANIS reports that Dr John Phiri said the visit by the ZFDS to Senanga district in Western province shows that the government is working.

Dr Phiri said the community of Senanga has been lacking medical surgeries because there are no specialist doctors at the hospital.

“With the coming of the ZFDS team here to us, we take this as a blessing. It shows that the government has come to our aid to treat the people of Senanga,” he said.

Dr Phiri further said the government should consider having such programmes regularly so that quality health care can continue to be provided to the people in Senanga district.

He disclosed that a lot of surgeries have been conducted on people who had no opportunity to access such services.

The medical doctor also noted that the response from the Senanga community from the time they were informed about the coming of ZFDS has been overwhelming.

And Dr Phiri said the hospital has received a lot of cases of hernia, fibroid, fractures, and cervical cancers among the people in Senanga.

He noted that the categories of women that have fibroids are the ones who have never given birth before.

“These are people who are infertile, those that have never given birth before they grow up to the age of 35 or 45 are the ones that have been coming to hospital with conditions of fibroids,” Dr Phiri said.

He noted that cervical cancer is common among women who engage early in sexual activities, suffering from sexually transmitted infections, and HIV/AIDs.

However, an obstetrician from the ZFDS team , Mutale Musonda, has said fibroids can run in a family if the mother, sister, or grandmother had a history of the condition.

 Dr Musonda said hormonal imbalance can cause the uterine lining to regenerate during each menstrual cycle and stimulate the growth of fibroids.

Message For today:Power of Believing

Today’s Scripture

I also pray that you will understand the incredible greatness of God’s power for us who believe him.
Ephesians 1:19, NLT

Power of Believing

Friend, one of the greatest abilities God has given each of us is our ability to believe. The apostle Paul prayed that we would understand the incredible greatness of God’s power for us who believe. Notice the power is activated only when we believe. That means right now the Creator of the universe is just waiting to release healing, restoration, favor, promotion, and abundance. The only catch is that we have to believe.

It’s not complicated. God didn’t say, “If you will pray three hours a day, I’ll do it for you.” No, He said, “If you believe.” If you believe, you can be successful. If you believe, you can overcome mistakes of the past. If you believe, you can fulfill your God-given destiny. When you believe, you have the Almighty God fighting your battles, arranging things in your favor, going before you, moving the wrong people out of the way. You couldn’t have made it happen in your own strength, but because you are a believer, the surpassing greatness of God’s power is at work in your life.

A Prayer for Today

“Father, thank You for the incredible greatness of Your power that I can activate by faith. When You put a promise in my heart that seems impossible, I want to learn to respond with three simple words, ‘Lord, I believe.’ I believe and declare that I am going to see Your goodness in amazing ways. In Jesus’ Name, Amen.”

SADC Denounces Attacks on Nevers Mumba and Urges Peaceful Resolution”

The Southern African Development Community (SADC) has strongly condemned what it describes as “crude and misleading” allegations of attacks on the Head of its Observation Mission for the Zimbabwean elections, Nevers Mumba. The organization’s Secretariat issued a statement reaffirming its commitment to ensuring a fair and transparent electoral process in Zimbabwe.

The SADC Electoral Observation Mission (SEOM) is currently in Zimbabwe to closely monitor the electoral proceedings in accordance with Article 3 of the Revised SADC Principles and Guidelines Governing Democratic Elections.

In a statement released to the media SADC emphasized that the preliminary report on the elections was compiled based on observations made by the mission’s observers who were deployed throughout all provinces of Zimbabwe. The report also took into account consultations with various stakeholders in the electoral process.

This preliminary report serves as a summary of initial findings that were collectively adopted after consultations with Member States constituting the SADC Organ Troika. Additionally, it was supported by advice from the SADC Electoral Advisory Council (SEAC), a body of judges representing Member States, and received assistance from the SADC Secretariat.

SADC has been steadfast in emphasizing that the SEOM Preliminary Statement reflects the collective position of SADC Observers, Troika Members, SEAC, and the SADC Secretariat. It does not represent the subjective opinion of any single individual, thereby reaffirming the organization’s commitment to impartiality and transparency in assessing the electoral process.

In light of recent developments and the potential for disputes regarding the outcome of the Harmonized Elections, SADC issued a further call for the people of Zimbabwe to maintain calm and peace. The organization encouraged the use of legal channels and the established judicial system to address any electoral disputes or grievances, emphasizing the importance of upholding the rule of law throughout this critical process.

Flying Doctor Service repairs plane grounded since 2017

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The Zambia Flying Doctors Service (ZFDS) is expected to provide enhanced medical services to more rural and hard to reach areas after repairing an aircraft that was grounded in 2017.

The Zambia Civil Aviation Authority on Saturday morning certified 9J – AGC aircraft airworthy at the Zuze ZAF base in Ndola.

Civil Aviation Authority Chief Inspector Flight Operations Stewart Yeta said the inspection of the repaired aircraft was successful.

“We came to ensure that this aircraft met maintenance requirements. We have issued the Zambia Flying Doctors Service the certificate of airworthiness,” Mr. Yeta said.

ZFDS Chief Executive Officer Dr. George Ng’uni said with two aircrafts working now the Flying Doctors will be able to send multiple teams for outreaches to service more patients.

Dr. Ng’uni said with resources permitting the Zambia Flying Doctors Service is seeking to start reaching all the ten provinces twice in a month.

“We operated with one aircraft for a long time. We had to work round the clock to overhaul and fix the aircraft engine. This has increased our capacity to service the rural areas and hard to reach places. We were just operating one aircraft to do both evacuations and medical outreaches now we will be able to send multiple teams in different areas, “Dr. Ng’uni said.

Zambia Flying Doctors Service Chief Inspector Hilda Simulambo described the flight test conducted today as perfect.

“We went for a flight test and the flight test was perfect. Now Zambia Flying Doctors Service has two aircrafts running. We are going to increase our outreaches,” she said.

The Zambia Flying Doctor Service is a grant-aided service delivery statutory board under the Ministry of Health.

It was created under an Act of Parliament No 37 of 1967 with amendment No 18 of 1972 and repealed by act No 25 of 1975 Chapter 298 of the Laws of Zambia.The Zambia Flying Doctors Service (ZFDS) is expected to provide enhanced medical services to more rural and hard to reach areas after repairing an aircraft that was grounded in 2017.

The Zambia Civil Aviation Authority on Saturday morning certified 9J – AGC aircraft airworthy at the Zuze ZAF base in Ndola.

Civil Aviation Authority Chief Inspector Flight Operations Stewart Yeta said the inspection of the repaired aircraft was successful.

“We came to ensure that this aircraft met maintenance requirements. We have issued the Zambia Flying Doctors Service the certificate of airworthiness,” Mr. Yeta said.

ZFDS Chief Executive Officer Dr. George Ng’uni said with two aircrafts working now the Flying Doctors will be able to send multiple teams for outreaches to service more patients.

Dr. Ng’uni said with resources permitting the Zambia Flying Doctors Service is seeking to start reaching all the ten provinces twice in a month.

“We operated with one aircraft for a long time. We had to work round the clock to overhaul and fix the aircraft engine. This has increased our capacity to service the rural areas and hard to reach places. We were just operating one aircraft to do both evacuations and medical outreaches now we will be able to send multiple teams in different areas, “Dr. Ng’uni said.

Zambia Flying Doctors Service Chief Inspector Hilda Simulambo described the flight test conducted today as perfect.

“We went for a flight test and the flight test was perfect. Now Zambia Flying Doctors Service has two aircrafts running. We are going to increase our outreaches,” she said.

The Zambia Flying Doctor Service is a grant-aided service delivery statutory board under the Ministry of Health.

It was created under an Act of Parliament No 37 of 1967 with amendment No 18 of 1972 and repealed by act No 25 of 1975 Chapter 298 of the Laws of Zambia.

Meteorological Department predicts reduced temperatures

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The Zambia Meteorological Department has predicted a reduction in temperatures from 28th to 30th August 2023.

According to the latest weather alert issued by the department, the reduction in temperatures will be influenced by a strong, moist and cool airflow from the southeast.

During the forecasted period, the weather will be characterised by increased wind speeds and a reduction in temperature.

“A strong, moist and cool airflow from the southeast will be affecting the weather over Zambia during the forecast period 28th to 30th August, 2023,” the statement read in part.

The department indicated that Muchinga, Eastern, Central, Lusaka and parts of Southern provinces are expected to experience cloudy weather conditions with a likelihood of drizzles.

The drizzles are especially expected around Central and Muchinga Provinces. The Zambia Meteorological Department has since cautioned members of the public to keep warm and avoid open areas due to dust conditions.
“Users of water transport are also advised to take precautionary measures,” read the statement.

Zimbabwe’s president declared election winner, opposition rejects result

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Zimbabwe’s elections commission said late on Saturday that incumbent Emmerson Mnangagwa had won this week’s presidential election with roughly 53% of the vote, but the opposition and analysts immediately questioned the result.

Mnangagwa, who took over from longtime leader Robert Mugabe after a 2017 army coup, was widely expected to secure re-election for a second term as analysts said the contest was heavily skewed in favour of the ZANU-PF ruling party, which has been in power for more than four decades.

The Zimbabwe Electoral Commission (ZEC) said Mnangagwa’s main challenger, Nelson Chamisa, who leads the opposition Citizens’ Coalition for Change (CCC) party, secured 44% of the presidential vote.

ZANU-PF supporters started singing and cheering at the results centre after the elections commission said Mnangagwa had won.

A CCC spokesperson said in a post on X, formerly Twitter, that the party rejected “any result hastily assembled without proper verification”.

Mnangagwa also narrowly defeated Chamisa at the last presidential election in 2018. The opposition alleges that election was rigged but the constitutional court upheld the result.

While the run-up to the election has been largely free from violence, the police routinely ban opposition rallies and arrest opposition supporters using Zimbabwe’s tough public order laws.

ZANU-PF denies it has an unfair advantage or seeks to influence the outcome of elections through rigging.

The head of the European Union’s observer mission on Friday said this week’s vote took place in a “climate of fear”. Southern African regional bloc SADC’s mission noted issues including voting delays, the banning of rallies and biased state media coverage.

Nicole Beardsworth, a politics lecturer at the University of the Witwatersrand, said she thought the late Saturday announcement was probably a response to the critique by SADC and other election observers.

“We all have a lot of questions about the speed with which ZEC is announcing presidential results,” she said.

Voting in this week’s presidential and parliamentary elections was meant to be wrapped up within one day on Wednesday, but it was extended into Thursday in some wards after the late distribution of ballot papers.
Source:Reuters

Enhancing Financial Inclusion through Micro-insurance: Insights into the Insurance Landscape in Zambia

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By Paxina Kabwe
Zambia, a landlocked country with a predominantly rural population, faces challenges in providing financial services to its citizens, especially those in remote areas. To address this issue, the Zambian Financial Sector Deepening Limited (FSD Zambia) and other stakeholders have collaborated to enhance financial inclusion, with a particular focus on micro-insurance. This article provides an overview of the micro-insurance market in Zambia, highlighting its evolution, challenges, opportunities, and the role of key players in promoting inclusive insurance.

Insurance Industry in Zambia

Although the insurance industry in Zambia has experienced growth and innovation, insurance penetration and usage rates remain relatively low. Barriers such as lack of awareness, high premium rates, and limited access to insurance services, especially in remote areas, hinder the widespread use of insurance. Efforts are being made by insurance service providers and their partners to introduce insurance to the mass market and promote consumer education for inclusive growth.

Analysis of the Insurance Market
Micro-insurance Market Outreach

Since 2009, micro-insurance tailored for low-income individuals has gained traction in Zambia. The market has witnessed significant growth in terms of coverage, with the number of lives covered increasing from 2.4 million in 2018 to over 3.3 million in 2020, representing a 37.5% growth. This expansion can be attributed to new products and increased outreach efforts.

Business Engagement

Out of the 30 insurance companies in Zambia, only 11 actively participate in micro-insurance, while the remaining 19 primarily focus on serving the middle to high-income market. The challenges faced by organizations in effectively participating in micro-insurance include perceptions of high risk, lack of a business case, and insufficient buy-in from company management.
Product Portfolio and Distribution Channels
The micro-insurance market in Zambia offers a range of products, including credit life, agriculture (weather index, area yield index), funeral, hospital cash plans, personal accident, travel, and property insurance. Funeral and weather index insurance dominate the market as compulsory products, constituting a significant portion of lives covered. Distribution channels include government schemes, associations, brokers, employers, microfinance institutions, mobile network operators, and retail stores.

Business Case and Viability

The financial viability of micro-insurance in Zambia depends on factors such as income, claims, and administration costs. Gross written premiums and total claims paid have shown positive trends, but further analysis is needed to understand the profitability and sustainability of micro-insurance products.

Enabling Environment and Support Needs

The Micro-insurance Technical Advisory Group (TAG) and the Pensions and Insurance Authority (PIA) continue to play crucial roles in supporting the development of micro-insurance in Zambia. Insurance service providers have identified various support needs, including access to actuarial data for product development, identification of distribution channels, availability of investment capital, consumer education, technological infrastructure, training for insurance professionals, and reinsurance options for high-risk micro-insurance.

Recommendations

Based on the perspectives of insurance service providers, key recommendations to promote micro-insurance in Zambia include providing information on returns on investment, business viability drivers, and industry trends. Support is also needed for product promotion, pricing, development of high-value products, business case development, claims management, and specific product lines like agriculture and healthcare.
While the micro-insurance market in Zambia has shown promising growth, there are still challenges to overcome. By addressing barriers to access, improving financial literacy, and fostering collaboration among stakeholders, Zambia can enhance financial inclusion and ensure the availability of affordable insurance products for all its citizens.

The author is Octagon Zambia Insurance Brokers principal officer
Note: This article is based on the Landscape Survey conducted by FSD Zambia, in partnership with the Micro-insurance Technical Advisory Group (TAG), the Pensions and Insurance Authority (PIA), and insurance service providers.