Togo Integrates Private Insurers into Universal Health Coverage Governance

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Wednesday, 15 October 2025 10:36

Togo Integrates Private Insurers into Universal Health Coverage Governance

(Togo First) - Togo’s National Social Security Fund, CNSS, and the National Health Insurance Institute, INAM, the bodies managing the Universal Health Insurance, AMU, program, signed partnership agreements with several insurance companies on Tuesday, October 14, 2025, in Lomé. These agreements aim to facilitate policyholders' access to supplementary coverage tailored to their specific needs.

The partnership connects the CNSS and INAM with members of the Committee of Togolese Insurers, CAT, the Togolese Federation of Insurance Advisors, FETAC, and the National Framework for Consultation of Mutual Health Organizations of Togo, CNCMUT.

Dissaliba Winga, representing the Minister of Health, Public Hygiene, Universal Health Coverage, and Insurance, stated that the initiative contributes to building an inclusive and collaborative system. "Universal Health Insurance is not an end in itself, but an evolving process founded on the complementarity of actors and the public's trust," Winga said.

The convention establishes the basis for shared governance of Togo’s health coverage system by involving public and private stakeholders in building a more equitable and resilient society.

Ingrid Awadé, Director General of the CNSS, stated that the signing has a clear objective: to strengthen the population's protection against health risks. "We have laid solid foundations, but the reality of health needs is evolving. Hence the necessity for a more complete offering, co-constructed with the private sector," she said.

This framework agreement now creates a bridge between the public basic coverage and complementary offerings from the private sector. Implemented since January 2024 by INAM and the CNSS, the AMU project seeks to guarantee access to healthcare for the entire Togolese population, regardless of their sector of activity.

Esaïe Edoh

REFORMS OVERVIEW

STARTING A BUSINESS (more info)

At the fifteenth position, worldwide, and first in Africa, under the Starting a Business index of the 2020 Doing Business ranking, Togo sustains its reformative dynamics with more reforms….

ENFORCING CONTRACTS (more info)

Compared to some years ago when it was one of the lowest rankers under the Doing Business’ Enforcing Contracts indicator, Togo, leveraging many efforts to improve its business climate, was able to jump significantly on the index in the recent years... .

CONTRACT EXECUTION (more info)

Creation of special chambers of commerce for small debts • Creation of chambers of commerce at the Court of Appeal • Civil and commercial cases now handled by distinct clerks • Establishment of commercial courts in Lomé and Kara • Lawyers and bailiffs now have access to the FORSETI COMMERCIAL platform • A maximum period of 100 days was fixed to settle a commercial dispute .

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In comparison to previous years, Togo has significantly improved its ranking on the “Trading across borders” index by adopting multiple reforms that focus mainly on the digitalization and reduction in delays, for import and export procedures related to import and export.

CONSTRUCTION PERMIT (more info)

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Out of all the 'Doing Business’ indicators, Property Registration is where Togo has improved the most since 2018. Indeed, after spending years in the lowest part of this ranking, the country now seeks to beat Rwanda which is the best performer on this index in Africa. To do so, Lomé has been introducing many reforms, with the latest batch implemented this year.

PUBLIC PROCUREMENT (more info)

From professionalization to digitization, through legislative regulations, Togo’s public procurement framework is constantly being modernized. Several reforms have been implemented to improve the sector much to the benefit of the private sector, which is the focus of the National Development Plan.

PAYING TAXES AND DUTIES (more info)

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