What Royal Insurance does

Royal Insurance is an Egyptian joint stock insurance company founded in 2001 and operating since 2002 under Insurance License No. 16, issued pursuant to Law No. 159 of 1981 as amended by Law No. 91 of 1995. The company is 51% owned by Royal & Sun Alliance Middle East (RSAME) and 49% by Egyptian investors led by MMID and founder Hassan Mohamed Hassan Darwish. It operates under the supervision of the Egyptian Financial Regulatory Authority (FRA) and is a member of the Egyptian Insurance Federation (EIF), with headquarters at 48 Mohi Al Din Abou Al Ezz in Ad Doqi, Giza.

The company runs a multi-line insurance platform serving both individual and corporate clients across Egypt. For individuals, it offers Personal Accident, Householder, Travel Insurance for Foreigners, and Motor Protection products. For corporate clients, it provides General Accident/Liability, Fire/Property, Engineering, Medical, Marine, and Motor Insurance, with add-on modules such as Alternative Key Lock Insurance extending the motor line. Group medical coverage is structured across multiple tiers ranging from EGP 500 to EGP 1,500,000 per insured person with a minimum group size of 30. Distribution is anchored by 14+ branches in major Egyptian cities including Cairo, Alexandria, Assiut, Aswan, Damietta, Minya, New Cairo, Port Said, Suez, Tanta, and Zagazig, supplemented by a 24/7 hotline (16902), online quotation requests, and a presence on Facebook, LinkedIn, Instagram, and WhatsApp.

Royal Insurance generates revenue primarily through insurance premiums collected on annual subscription-based policies, with pricing determined by coverage type, limits, and risk profile. Capitalization consists of EGP 500 million in paid-up capital against authorized capital of EGP 5 billion. The go-to-market model is predominantly direct sales via the branch network, with self-service quotation requests and an inside-sales hotline as secondary channels. Headcount of 101-250 employees supports nationwide operations, though the company does not publicly disclose revenue or premium figures.

Name

Royal Insurance

Legal name

Royal Insurance

Website

https://royalinsurance.com.eg

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

Royal Insurance is an Egyptian multi-line insurance joint stock company founded in 2001, offering personal and commercial coverage (motor, health, property, marine, engineering) through 14+ branches across Egypt under a 51% RSAME / 49% Egyptian investor ownership structure.

Ownership category

akta.pro rank

Headquarters

HQ city

Gîza

HQ country

Egypt

HQ region

Africa

Offices14 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Royal Insurance generates revenue primarily through insurance premiums collected from policyholders. The company offers both individual and corporate insurance products with various coverage options. Premiums are collected according to policy terms, with options for different coverage levels and add-on protections.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Royal Insurance is an Egyptian insurance company that sells multi-line general insurance products directly to individuals and corporate clients across Egypt. Its individual line includes personal accident, household property, travel, and motor insurance, while its corporate line covers general accident/liability, fire/property, engineering, group medical, and marine insurance. Policies are priced via per-thousand unit pricing with optional deductibles and customizable coverage tiers, and are delivered through 14+ branches, an online quotation system, and a 24/7 hotline.

Product overview

Royal Insurance is an Egyptian insurance company offering a comprehensive portfolio of insurance products organized into Individual and Corporate segments. For individuals, the company provides Personal Accident Insurance, Householder Policy, Travel Insurance For Foreigners, and Motor Protection. For corporate clients, Royal Insurance offers General Accident/Liability Insurance, Fire/Property Insurance, Engineering Insurance, Medical Insurance, and Marine Insurance. The company operates under supervision of the Egyptian Financial Regulatory Authority (FRA) and is a member of the Egyptian Insurance Federation (EIF). The product architecture is structured as a multi-line insurance platform serving both individual consumers and business clients with both standard and customizable coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Accident Insurance

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Royal & Sun Alliance Middle East (RSAME)coreStrategic or Co-development Partner · 1 January 2001Founding partner and majority shareholder (51%) in Royal Insurance Egypt. Royal & Sun Alliance Middle East established the company in 2001 as a joint venture with Egyptian investors under Law No. 159 of 1981. The partnership brought international insurance expertise and standards to the Egyptian market.
• Egyptian Insurance Federation (EIF)minorOthersRoyal Insurance is a member of the Egyptian Insurance Federation, the industry body for insurance companies operating in Egypt. Provides industry representation, regulatory coordination, and sector advocacy.
• Egyptian Financial Regulatory Authority (FRA)coreOthersRegulatory body supervising Royal Insurance's operations in Egypt. The FRA (formerly EFSA) is the governmental authority responsible for overseeing non-banking financial sector activities including insurance.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Misr Insurance Company: Misr Insurance is Egypt's largest state-owned insurer, offering a comparable multi-line P&C, life, and medical portfolio to corporate and individual clients. It competes head-to-head with Royal Insurance across most lines but at substantially greater scale and state-backed capital.

Direct peers

• AXA Egypt: AXA Egypt is a multinational P&C and life insurer offering motor, property, medical, and personal lines to Egyptian consumers and corporates. It is the closest direct peer to Royal Insurance given its similar multi-line structure, branch presence, and mixed individual/corporate customer base.
• Allianz Egypt: Allianz Egypt offers P&C and life/health products including motor, property, engineering, and medical insurance to individuals and businesses. It directly competes with Royal Insurance in the same Egyptian market with a similar international partner-backed operating model.
• GIG Egypt (formerly AIG Egypt): GIG Egypt provides P&C, marine, engineering, and medical insurance for corporate and individual clients in Egypt. As a multinational-backed general insurer with comparable product breadth, it is a direct peer across Royal Insurance's commercial lines.
• Mohandes Insurance Company: Mohandes Insurance is an Egyptian P&C insurer offering motor, property, marine, engineering, and personal lines to individuals and corporates. It is a domestic peer competing in the same Egyptian market and same product categories as Royal Insurance.
• Chubb Egypt (formerly ACE Egypt): Chubb Egypt underwrites P&C, accident and health, and specialty lines for Egyptian corporates and individuals. It competes directly with Royal Insurance in the corporate P&C and engineering/marine segments and shares the multinational-partner-backed operating structure.

Regional players

• Egyptian Takaful Insurance Company (EGTIC): EGTIC offers Sharia-compliant P&C and life takaful products across Egypt, competing for the same individual and corporate customers as Royal Insurance but with an alternative Islamic-finance structure that appeals to a defined religious-demographic segment.

Emerging players

• Qalaa Holdings Insurance Subsidiaries (e.g., Arab Misr Insurance Group): Egyptian and regional insurance holding companies under Qalaa and similar conglomerates operate P&C and life insurers competing in the same corporate and individual segments. They represent emerging domestic players with growing market share.
• Bupa Egypt: Bupa Egypt is a health-focused insurer offering individual and group medical plans in Egypt. It is a partial peer given Royal Insurance's group medical line, but specializes in health insurance rather than the broader P&C portfolio.

Others

• Egyptian Financial Group Hermes (EFG-Hermes) Insurance Brokerage: EFG Hermes is a leading Egyptian financial services firm with insurance brokerage operations. As a distribution intermediary rather than a carrier, it is an adjacent player that influences corporate insurance purchasing decisions and could be a partner or competitor depending on the channel mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/RoyalinsuranceEgypt
• LinkedInlinkedin.com/company/royal-insurance-egypt
• Instagraminstagram.com/royalinsurance_egypt

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Royal Insurance