Ipholisi ichaza ingozi emboziwe, inani eliqinisekisiwe, okungafakiwe, izikhathi zokulinda, imali ekhokhwa ngumshwalense ngaphambi kwenkokhelo, iphrimiyamu, imigomo yokukhokha, inqubo yesimangalo nemibandela yokunqamula. Umnikazi wepholisi ngumuntu noma inhlangano enenkontileka. Umshwalense osemthethweni utholakala enkampanini enelayisensi, ngomthengisi womshwalense, i-ejenti eqondile noma yenkampani, ibhange noma isevisi ye-bancassurance, i-SACCO noma indawo yokungcwaba. I-Financial Services Regulatory Authority (FSRA) inikeza amalayisensi futhi iqondisa izinkampani zomshwalense nabalamuli, ilawula indlela abaphatha ngayo imakethe futhi ivikele abathengi. Abathengi kufanele bahlole umhlinzeki kurejista yamanje ye-FSRA ngaphambi kokukhokha iphrimiyamu. Irejista yango-2026 ibala izinkampani zomshwalense wesikhathi eside eziyisithupha, ezihlanganisa iFinsure Assurance Limited, Liberty Life Swaziland Limited, Old Mutual Life Assurance Company (SD) Ltd, Oracle Life, Orchard Insurance Limited neUnited Life Assurance Limited. Ababambiqhaza bemakethe yesikhathi esifushane bahlanganisa iEswatini Royal Insurance Corporation, Lidwala Insurance Company Limited, Phoenix of Eswatini Assurance Company Limited neUnited General Insurance Limited. Abahlinzeki bomshwalense omncane bahlanganisa iAsihlumisane Burial and Risk Cover Association, B3 Insurance Eswatini Limited, Ekhaya Insurance Company neSNAT Burial Insurance Limited. Umshwalense wesikhathi eside uvame ukukhokhela izindleko zomngcwabo, impilo yomuntu noma yeqembu, impilo ehambisana nesikweletu, ukukhubazeka, izimpesheni ezikhokhwa ngezikhathi ezithile, izinhlelo zokonga ezikhokha ekupheleni kwesikhathi, ukonga okuxhumene namayunithi nezinzuzo ezixhumene nesikhwama somhlalaphansi. Umshwalense wesikhathi esifushane uvame ukumboza izimoto zangasese, izindlu nezinto ezingaphakathi, impahla, izibopho, izingozi zomuntu, ezokuthutha, uhambo, umlilo, ubunjiniyela neziqinisekiso. Abathengisi bomshwalense bathengisa u-81.70% wamaphrimiyamu omshwalense wesikhathi esifushane ngekota yesibili ka-2025, uma kuqhathaniswa no-13.07% ngokuthengisa okuqondile, u-4.03% ngama-ejenti ezinkampani no-1.20% ngama-ejenti ngamanye. Amaphrimiyamu e-bancassurance afinyelela ku-E44.32 million ngekota yokuqala ka-2025; u-34.23% wawuhlobene nomshwalense wesikhathi eside, ikakhulukazi owempilo ehambisana nesikweletu. I-Eswatini okwamanje ayinalo uhlelo lomshwalense wezenhlalakahle lukazwelonke oluphelele oluhlanganisa izingozi zokugula, ukungasebenzi, ukubeletha, ezempilo, ukuguga, abasindile nokukhubazeka. Amalungiselelo akhona afaka i-Eswatini National Provident Fund nokuvikelwa kokulimala emsebenzini, kodwa alinganiselwe futhi agxile ekongeni kunokuba abe uhlelo oluphelele lukazwelonke lokwabelana ngobungozi. Iziphakamiso zokwandisa ukuvikelwa kokugula, ukubeletha, ukungasebenzi, ezempilo, ukuguga, abasindile nokukhubazeka zisahleliwe noma azikaxazululwa. Usizo lwezokwelapha nomshwalense wezempilo kuyizindawo ezihlukile, futhi akufanele kucatshangwe ukuthi ziyingxenye yomshwalense wezenhlalakahle kazwelonke. I-Workmen's Compensation Act 1983 ihlanganisa izingozi zomsebenzi nezifo ezibangelwa umsebenzi ezingaphansi komthetho wayo. Umqashi ongeyena uhulumeni ngokuvamile kufanele afake umshwalense waleso sibopho noma abeke isiqinisekiso esigunyaziwe; akavunyelwe ukukhokhisa isisebenzi ngalokho kuvikelwa. Isisebenzi kufanele sazise umqashi ngokushesha ngangokunokwenzeka; isimangalo sesinxephezelo ngokuvamile kufanele sifakwe phakathi kwezinyanga eziyisithupha, kunemithetho elinganiselwe yezicelo ezibambezelekile engandisa isikhathi sibe yiminyaka emithathu. Abaqashi ngokuvamile babika ingozi kuLabour Commissioner zingakapheli izinsuku eziyisikhombisa. Ukuhlolwa nokwelashwa kwezokwelapha neMedical Board kungaba yingxenye yokuhlola; abondli bangafaka isimangalo ngemva kokufa okuhlobene nomsebenzi. ISincephetelo Motor Vehicle Accidents Fund (SMVAF) inenqubo esemthethweni, exhaswa ngentela kaphethiloli, yokukhokhela ukulimala nokufa kwabantu okufanelekile engozini yomgwaqo. Ingakhokhela ukulimala komzimba noma ukufa, izindleko zokwelashwa nokubuyisela amandla, izindleko zomngcwabo nokulahleka kwemali engenayo noma ukwesekwa. Ngaphansi kohlelo lwamanje oluqale ukusebenza mhla ka-1 kuJulayi 2026, isimangalo sifakwa phakathi nezinyanga ezingu-12 zengozi. Kungadingeka umbiko wamaphoyisa, omazisi nobufakazi obufanele bezempilo, bokufa, bemali engenayo, bokondla noma bomngcwabo. Imikhawulo eshicilelwe ihlanganisa kuze kufike ku-E1 million yokulimala komuntu ngengozi ngayinye nokubuyiselwa kwezindleko zomngcwabo okufika ku-E10,000 uma kunobufakazi. Lokhu kuvikelwa okusemthethweni akufani nomshwalense wemoto wangasese: lowo uvikela imoto enomshwalense noma ezinye izingozi zenkontileka ngokwepholisi. Amaphrimiyamu ngama-Emalangeni awanantengo eyodwa ebekelwe abathengi. Umshwalense uhlola ingozi, isigaba somshwalense, inani eliqinisekisiwe, ubude bepholisi, okungafakiwe, izindleko ezengeziwe, imali ekhokhwa ngumshwalense ngaphambi kwenkokhelo nomlando wokukhokha. Umnikazi wepholisi kufanele anikeze ulwazi olubalulekile oluyiqiniso, akhokhe amaphrimiyamu ngesikhathi, agcine ubufakazi futhi azise umshwalense noma umlamuli ngokwepholisi. Ukusilela kwemali noma ukuphela kwepholisi kungavimbela isimangalo ngaphansi kwenkontileka. Umshwalense kufanele unikeze ulwazi olucacile ngobunikazi bawo, isigaba somkhiqizo, izinzuzo, okungafakiwe, izikhathi zokulinda, izimali, izinhlawulo, imiphumela yokungakhokhi, imikhawulo yokunqamula, inqubo yesimangalo nendlela yezikhalo. Isikhathi sokuzisola sezinsuku ezingu-30 ngokuvamile sisebenza ngemva kokulethwa kohlelo lwepholisi, ngokwemibandela enjengokuthi akukho simangalo noma inzuzo esike yafunwa, futhi kungase kudonswe izindleko zengozi. Isimangalo sangasese ngokuvamile siqala kumshwalense noma kumlamuli. Isikhalo esibhaliwe kufanele sithunyelwe kumhlinzeki, ovame ukuba nezinsuku ezingu-30 zokuphendula ngaphansi kweInsurance Regulations. Uma impendulo ingagculisi noma ingekho, udaba lungadluliselwa ku-FSRA, ku-Insurance Board noma ku-Adjudicator, noma ku-Office of the Ombudsman of Financial Services (OFS) lapho amandla ayo esebenza kumhlinzeki wesevisi yezezimali ongeyena owebhange onelayisensi. I-OFS ingabhekana nezingxabano ezibandakanya izinkampani zomshwalense, abathengisi nama-ejenti, kuhlanganise ukuthengisa ngendlela engafanele, ukwenqatshwa kwezimangalo zezimoto, ukusilela kwemali, umshwalense womngcwabo nezingxabano zenzuzo yokufa. Amaqembu omngcwabo angakahleleki nemiphakathi yosizo inganikeza ukwesekana, kodwa ukuvikelwa nokuqinisekisa ukusebenza komthetho akufani nomshwalense olawulwayo.
Umshwalense e-Eswatini
Umshwalense e-Eswatini udlulisela izingozi ezithile zomuntu, zempahla, zesibopho noma zemali engenayo kumshwalense, kukhokhwa iphrimiyamu. Imakethe esemthethweni inomshwalense wesikhathi eside njengowempilo, owomngcwabo nowokuphila okuhambisana nesikweletu, nomshwalense wesikhathi esifushane njengewemoto, wempahla, wesibopho nowohambo. I-Eswatini inamalungiselelo asemthethweni okulimala emsebenzini nokulimala okuthile emgwaqweni, kodwa ayikabi nohlelo lukazwelonke oluphelele lomshwalense wemali engenayo yokugula, ukungasebenzi nokubeletha.
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