Societe Tunisienne Dassurances & De Reassurances

What Societe Tunisienne Dassurances & De Reassurances does

La Société Tunisienne d'Assurances et de Réassurance (STAR), operating as STAR Assurances, is a privately held Tunisian insurance carrier founded in 1958 with over 68 years of operating history. The company offers a full-spectrum insurance portfolio split into two customer segments: Particuliers (individuals) and Professionnels et Entreprises (professionals and businesses). Individual offerings include auto insurance (TRIK ESSLAMA), multi-risk home insurance (DAR ESSLAMA, starting from 35 TND/year), travel assistance (ASSISTANCE VOYAGE), accident/death and borrower insurance (DÉCÈS PRÉVOYANCE, EMPRUNTEUR), savings and retirement products with tax advantages (7AYYA, VIE NOUVELLE, AVENIR JEUNESSE), and health coverage (STARCARE national, STARCARE International). Professional lines include multi-risk professional insurance (SLAMET ERREZK), fleet auto, agricultural multi-risk (MRA), construction insurance (TRC, RC Décennale), freight transport, collective health and retirement (SANTE COLLECTIVE, RETRAITE COLLECTIVE, IDR), and key person coverage.

The technology stack centers on a multi-channel distribution platform combining 162 physical agency branches, the star.com.tn web portal, the My STAR mobile application (available on Google Play and App Store) for end-to-end self-service, the STARCONNECT telematics application that scores driving behavior across safety, eco-driving, and distraction dimensions for free to all-risk auto customers, and the T'hanna teleassistance service (first of its kind in Tunisia) offering GPS-tracked personal emergency response with automatic fall detection. STAR also operates an ecosystem of partner portals — STARAV for conventioned lawyers, STARGA-Réparateur for approved repairers, and STARGA-Expert for experts — that enables real-time case and document exchange within the claims value chain. STAR funded the creation of the Institut Africain des Assurances (IAA) in 1967, a training and sector-promotion body for insurance across Tunisia and Africa.

STAR's revenue model is primarily subscription/recurring premium-based across three lines: non-life (auto, home, professional), life insurance (savings/retirement and provident/death), and health. Reported chiffre d'affaires is TND 431 million+. Distribution combines a 162-branch agency network, a network of brokers (courtiers) and agents, dedicated enterprise sales agents, the Allô STAR call center (70 255 000), and the My STAR digital self-serve channel. Pricing is quote-based and tiered across formula levels (Sécurité, Sécurité+, Super Sécurité, Sérénité for auto; analogous tiers for home and professional products). The company reported 512 employees, is headquartered (with relocation to Lac 3 announced) in Tunisia, and has been awarded the 'Élu Marque de l'Année' label for two consecutive years and five 'Produits de l'Année 2026' consumer awards.

Name

Societe Tunisienne Dassurances & De Reassurances

Legal name

La Société Tunisienne d'Assurances et de Réassurance

Website

https://star.com.tn

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Founded in 1958, STAR is a Tunisian insurance company offering auto, home, health, life/savings, and professional insurance products to individuals and businesses through 162 physical agencies and digital platforms including the My STAR mobile app, STARCONNECT telematics, and T'hanna teleassistance service.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Auto insurance
• Home insurance
• Life insurance
• Health insurance
• Commercial insurance

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance Premiums: STAR Assurances generates the majority of its revenue from non-life insurance premiums including auto insurance (TRIK ESSLAMA), home/multirisque habitation (DAR ESSLAMA), travel assistance, accident of life, and professional insurance products (SLAMET ERREZK for professionals, MRA for agriculture, TRC for construction, automobile fleet, etc.). Revenue is collected as periodic premiums from policyholders. The company reported TND 431 million in revenue (Chiffre d'affaires).
2. Life Insurance Premiums: STAR Assurances generates revenue from life insurance products including savings/retirement products (7AYYA, VIE NOUVELLE, AVENIR JEUNESSE) and death/providence products (EMPRUNTEUR, DECES PRÉVOYANCE). Premiums can be paid as single or periodic contributions. These products contribute to the TND 431 million revenue figure and serve both individual and enterprise clients.
3. Health Insurance Premiums: STAR Assurances collects premiums for health insurance products including STARCARE (national health coverage) and STARCARE International (international medical coverage), as well as collective health insurance for businesses (Sante Collective). Premiums contribute to the overall revenue stream and are priced based on coverage level and profile.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

STAR Assurances is a Tunisian insurance company providing a comprehensive portfolio of non-life, life, and health insurance products to individuals and businesses. Its offering spans auto, home, travel, life accidents, death/borrower, savings/retirement, and individual health insurance for the Particuliers segment, and professional multi-risk, agricultural, fleet, collective health/retirement, construction, freight transport, and key person insurance for the Professionnels et Entreprises segment. The company complements its insurance products with digital self-service tools (My STAR app, STARCONNECT telematics, T'hanna teleassistance) and distributes through 162 physical agencies, a broker network, a digital platform, and a call center.

Product overview

Societe Tunisienne d'Assurances et de Réassurance (STAR) is a Tunisian insurance company operating as a single integrated platform offering multiple insurance product lines. The portfolio is organized into two main segments: (1) Particuliers (Individuals) covering auto (TRIK ESSLAMA), home (DAR ESSLAMA), travel (ASSISTANCE VOYAGE), life accidents (GARANTIE ACCIDENTS DE LA VIE), death (DÉCÈS PRÉVOYANCE), borrower (EMPRUNTEUR), children's insurance (Assurance JUNIOR/Avenir Jeunesse), and health (STARCARE, STARCARE International) as well as savings/retirement (7AYYA, VIE NOUVELLE); and (2) Professionnels (Professionals/Enterprises) covering professional multi-risk (SLAMET ERREZK), group health (SANTE COLLECTIVE), collective retirement (RETRAITE COLLECTIVE), retirement severance (IDR), 10-year liability (RESPONSABILITE CIVILE DECENNALE), construction (TOUS RISQUES CHANTIER), freight transport (TRANSPORT FACULTES), agricultural multi-risk (MRA), fleet automobile (FLOTTE AUTOMOBILE), and key person insurance (HOMME CLE). Digital services include My STAR mobile app, STARCONNECT telematics, and T'hanna teleassistance. The company also maintains partner portals for authorized lawyers (STARAV), repairers (STARGA-Réparateur), and experts (STARGA-Expert).

Differentiator

Problem solved

Functional benefit

Brands

• STARCONNECT: Telematic solution that evaluates driving behavior and displays a driving score; first such solution in the Tunisian insurance market.
• My STAR
• T'hanna
• Institut Africain des Assurances (IAA)

Products and services

• TRIK ESSLAMA Auto insurance product offering four formula tiers (Sécurité, Sécurité+, Super Sécurité, Sérénité) covering vehicle protection, third-party liability, fire, theft, accident coverage, and 24/7 assistance for individual vehicle owners in Tunisia.
• DAR ESSLAMA Multi-risk home insurance (MRH) with five formula tiers (Sécurité, Sécurité+, Sérénité, Propriétaire non Occupant, Etudiant) for homeowners, tenants, and students in Tunisia, starting from 35 dinars per year.
• ASSISTANCE VOYAGE Travel insurance with five formula tiers (Visa, Gold, Assistance Business, Assistance Etudiant, Assistance Pèlerinage) covering medical expenses, repatriation, civil liability, and baggage protection worldwide for travelers.
• GARANTIE ACCIDENTS DE LA VIE Life accidents insurance providing capital in case of death, compensation for disability, and reimbursement of medical expenses for accidents at home or outside.
• DÉCÈS PRÉVOYANCE Death insurance product providing financial protection in case of the insured's death to preserve the future of loved ones.
• EMPRUNTEUR Borrower insurance that secures loans and protects projects and loved ones by covering loan repayment in case of death or disability.
• Assurance JUNIOR (Avenir Jeunesse) Children's insurance ensuring protection at school and during leisure activities against daily life unforeseen events, with options for a monthly annuity or capital when the child reaches majority for studies or young adult life.
• 7AYYA Life savings and retirement insurance adapted to the policyholder's profile with tax advantages, offering flexible single or periodic contributions over 8-30 year terms.
• VIE NOUVELLE Life insurance providing continuity of a happy retirement life with capital or annuity options and tax advantages; partial or total redemption possible after the 3rd year without conditions.
• AVENIR JEUNESSE Youth future insurance ensuring children's success with financial availability for their studies or young adult life through endowment-based coverage.
• STARCARE International International health insurance covering policyholder and family worldwide with complete coverage including hospitalization, medical care, maternity, and repatriation.
• STARCARE National health insurance providing flexible formulas adapted to all needs, with coverage from medical consultations and analyses to hospital, surgical, optical, and dental care in Tunisia.
• SLAMET ERREZK Professional multi-risk insurance (MRP) protecting businesses with modular guarantees for artisans, merchants, service providers, and liberal professionals across three formula tiers (Sécurité, Sécurité+, Sérénité).
• SANTE COLLECTIVE Group health insurance providing optimal health coverage for employees with flexible benefit levels, rapid reimbursements, and negotiated partner network rates.
• RETRAITE COLLECTIVE Collective retirement plan offering complementary savings for employees' retirement with tax advantages; capital available after 3 years of contract with optional 'Contrat capitalisation vie collective' for advance or partial redemption.
• INDEMNITE DE DEPART A LA RETRAITE (IDR) Retirement severance indemnity insurance helping companies anticipate retirement payments through a collective life insurance contract constituting a dedicated fund with tax advantages.
• RESPONSABILITE CIVILE DECENNALE 10-year professional liability insurance protecting construction professionals' works for the next decade against all types of damage affecting structural solidity.
• TOUS RISQUES CHANTIER (TRC) All-risk construction insurance providing optimal protection for construction sites and all stakeholders against accidents, theft, natural disasters, and civil liability during works.
• TRANSPORT FACULTES Freight transport insurance with modular options (Polices au voyage, Polices abonnement) covering merchandise during domestic and international transport with coverage up to 15 million dinars.
• MRA (Multirisque Agricole) Agricultural multi-risk insurance protecting farms against fire, water damage, theft, and civil liability with three formula tiers (Sécurité, Sécurité+, Sérénité); covers date palms, poultry farming, livestock, arboriculture, viticulture, citrus, meat/dairy production, olive growing, market gardening, and cereal cultivation.
• FLOTTE AUTOMOBILE Fleet automobile insurance with customizable formulas for professional vehicles including utility vehicles, trucks, construction equipment, and two-wheelers; includes 24/7 assistance, approved garage network, and 1-year repair warranty.
• HOMME CLE Key person insurance protecting businesses against risks of death, disability, or work stoppage of essential employees; provides capital for company reorganization and daily allowances for temporary incapacity replacement.
• My STAR Digital mobile application for remote insurance management: subscribe to multiple products (auto, MRH, travel, life), pay deadlines, track claims, generate instant quotes, and receive auto certificates at home. Available 24/7 via App Store and Google Play.
• STARCONNECT First telematics solution in the Tunisian insurance market. Analyzes and evaluates insured drivers' behavior, calculates driving scores based on security, eco-driving, and distraction criteria. Free for clients subscribed to all-risk formulas.
• T'hanna Téléassistance First teleassistance service in Tunisia dedicated to the security of elderly and vulnerable persons at home and outside. Features automatic fall detection, GPS tracking, 24/7 monitoring, and SOS button with immediate intervention capability.

Quantifiable outcome

• TND 431 million+ annual revenue (Chiffre d'affaires)
• +4 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

One partnership is on record.

• Institut Africain des Assurances (IAA)coreStrategic or Co-development Partner · 1 January 1967Created and funded by STAR in 1967, the Institut Africain des Assurances (IAA) promotes the insurance sector in Tunisia and across Africa. In alignment with real needs of the profession, the IAA continues to play a preeminent role in insurance promotion in many African countries. This institution reinforces STAR's thought leadership and pan-African reach.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• CTAMA (Caisse Tunisienne d'Assurances Mutuelles Agricoles): Tunisian mutual insurer focused on agricultural and rural risk plus broader lines. Comparable to STAR as a domestic carrier with overlapping professional, fleet, and personal products, particularly relevant to STAR's MRA agricultural offering.
• GAT (Groupe des Assurances de Tunisie): Tunisian insurance group offering a comparable full spectrum of personal, commercial, and group insurance products. Direct domestic peer with similar multi-channel distribution and product breadth.
• BH Assurance: Tunisian insurer affiliated with Banque de l'Habitat, distributing through bank channels. Comparable multi-line product portfolio with bancassurance-led distribution alternative to STAR's agency-led model.
• AMI Assurances (Assurances Maghrébines d'Assurance): Tunisian multi-line insurer serving individual and business customers across non-life and life segments. Directly competes with STAR for Tunisian households and SMEs.
• ASTREE (Compagnie d'Assurance ASTREE): One of the largest Tunisian multi-line insurers, offering comparable life, non-life, and health products to individual and business customers. Directly comparable as a domestic full-service insurance carrier competing for the same Tunisian policyholders.
• CARTE (Compagnie d'Assurance et de Réassurance Tunisienne-Egyptienne): Tunisian-Egyptian joint-venture insurance company offering multi-line products including auto, home, life, and health. Direct competitor in the Tunisian retail and commercial insurance market.
• LLOYD Tunisien: Tunisian insurance carrier offering a broad range of personal and commercial coverage. Direct domestic competitor with overlapping product portfolio.
• COMAR (Compagnie Méditerranéenne d'Assurance et de Réassurance): Tunisian multi-line insurer with both personal and commercial product lines. Direct competitor in the Tunisian market across auto, home, life, and professional lines.
• MAGHREBIA: Tunisian multi-line insurer with personal and commercial products across P&C, life, and health. Direct competitor in the Tunisian market.

Regional players

• Wafa Assurance (Maroc): Major Moroccan multi-line insurer offering life, non-life, and health coverage across North and West Africa. Comparable as a Maghreb-region multi-line carrier with similar product breadth and bancassurance-plus-agency distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/StarAssurances
• LinkedInlinkedin.com/company/starassurances
• Instagraminstagram.com/starassurancestunisie
• Xx.com/StarAssurances

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Societe Tunisienne Dassurances & De Reassurances