Expert panel — laws 95-07, 06-04.
Summary Key points Algeria insurance financial sector complementary banking. Ordinance 95-07 + law 06-04 + CNA regulator. ~20 companies (12 non-life + 8 life/Takaful). Public leaders SAA + CAAT + CAAR + CAARAMA. Private Alliance leader + Trust + 2A + GAM. Islamic Salama + Al Baraka Takaful. ~2000 agencies. CA ~200B DA. Penetration 0.7% GDP (low = huge potential). HQ 5-20k m², agencies 100-500m². Cost 200-350k DA/m². Personnel 15k. 2030: digitalization + Takaful growth 15% + inclusion.Key Points Ordinance 95-07 Law 06-04 (2006) CNA regulator ~20 companies SAA public leader CAAT + CAAR + CAARAMA Alliance private leader Salama + Al Baraka Takaful ~2000 agencies CA 200B DA 0.7% GDP penetration HQ 5-20k m² Agencies 100-500m² 200-350k DA/m² 2030 digital + Takaful
1. Framework + companies
Laws + companies.
Methodology: official sources.
2. Typologies + digital
Agencies + digital.
3. Cases + FAQ
8 cases + 22 FAQ.
FAQ
Laws? Regulator? Companies? SAA? Takaful? Agencies? CA? Penetration? 2030?
Official sources & methodology Ord 95-07 + Law 06-04 CNA + UAR Ministry Finance DZ-Immobilier corpus About the expert panel Karim Herfi — Karim Herfi coordinates the DZ-Immobilier expert panel.
Estimate insurance project