Le taux de pénétration est déterminé en exprimant le total des primes d’assurance émises en pourcentage du produit intérieur brut (PIB) d’un pays et indique dans quelle mesure le secteur de l’assurance contribue à l’économie nationale.
La courbe de la pénétration de l’assurance au Sénégal est sur une pente descendante. Elle est partie d’un niveau de 1,63% en 2022 pour atteindre un taux de 1,44% en 2023, soit une baisse de 0,19 points en pourcentage.
Cette situation découlerait de plusieurs éléments explicatifs parmi lesquels, la persistance des facteurs socio-culturels, notamment :
Cette situation découlerait de plusieurs éléments explicatifs parmi lesquels, la persistance des facteurs socio-culturels, notamment :
– une mauvaise perception voire une image écornée de l’assurance qui peine à s’améliorer,
– la faiblesse de la culture assurancielle des populations,
– le défaut d’informations et de communication sur les produits et la politique commerciale des sociétés d’assurance,
– la complexité des procédures de souscription pour certaines catégories de produits d’assurance,
– l’insuffisance des revenus, et le manque d’intérêt des assureurs pour la micro-assurance et les produits d’assurances islamiques,
– Enfin, une offre de produits inadaptée aux besoins et revenus des personnes défavorisées.
Le taux de pénétration de l’assurance se situe à 1,31% pour la Côte d’Ivoire, 0,57% pour le Mali alors que la moyenne mondiale tourne autour de 8% et celle de l’Afrique à près de 3%.
A cet égard, l’évolution réglementaire initiée par la CIMA, la mise en œuvre de la Stratégie nationale d’Inclusion Financière (SNIF) et celle du Programme national d’Education Financière (PNEF), les innovations technologiques en à travers la digitalisation des services ainsi que la hausse attendue de la demande de produits d’assurances devraient jouer durant les prochaines années en faveur d’une augmentation du taux de pénétration.
A cet égard, l’évolution réglementaire initiée par la CIMA, la mise en œuvre de la Stratégie nationale d’Inclusion Financière (SNIF) et celle du Programme national d’Education Financière (PNEF), les innovations technologiques en à travers la digitalisation des services ainsi que la hausse attendue de la demande de produits d’assurances devraient jouer durant les prochaines années en faveur d’une augmentation du taux de pénétration.
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