The South African insurance gap is estimated every three years by ASISA in partnership with True South Advisory. The insurance gap is defined as the difference between life and disability insurance cover in place and the actual amount required by households to maintain the same standard of living after the death or permanent disability of an income earner.

• The South African Insurance Gap (2025)
• True South Advisory Presentation
• ASISA Presentation

Click on the link below for the media releases of the 2025 Gap Study

• South Africa’s life and disability insurance shortfall widens to R50.4 trillion
• Critical illness cover considered a luxury rather than a necessity by South Africa’s income earners

For copies of the 2022, 2019 and 2016 South African Insurance Gap Reports kindly email info@asisa.org.za.