Mozambique · Southern Africa

EMOSE

Profile highlights

5 badges

Group spans 1 directory continent
Government of Mozambique: 1 markets across 1 directory continents (Asia-Pacific is one directory region). Group membership does not establish this entity’s policy availability.
Part of a group
Based on this profile’s recorded ownership data. Not an endorsement or a financial-strength rating.
Composite
Based on this profile’s recorded business data. Not an endorsement or a financial-strength rating.
State-owned / parastatal
Based on this profile’s recorded ownership data. Not an endorsement or a financial-strength rating.
Listed in Africa
Based on this profile’s recorded location data. Not an endorsement or a financial-strength rating.

Badge criteria

CComposite State-owned / parastatal Verified against the regulator register

Empresa Mocambicana de Seguros; Registered as Empresa Moçambicana de Seguros, SA

Official sources

ISSM regulator profile

This directory holds no official website for EMOSE: the ISSM register does not publish one and no sourced profile has been accepted. The register is the authoritative record of who is licensed.

Business profile

Understanding EMOSE

Sources checked 2026-10-04

Life, household and commercial products

EMOSE’s local catalogue spans motor, workplace and personal accidents, property, transport, engineering and aviation, alongside life, health, funeral and travel cover. It also lists pharmacy, Xitique and border-insurance products, with online quotations, claims notification and mobile service routes.

EMOSE — products and customer services

About composite business

The composite category combines life and non-life business within one insurer. Individual products can have different policy terms, service teams and claims requirements.

General guidance for the directory category. Specific products and terms must be confirmed with EMOSE.

Explore the Mozambique insurance market or other entries in this category.

Questions to ask about cover

Which department handles the product I need?
What does the policy cover and exclude?
Which documents and notification deadlines apply to a claim?

For an existing policy, use the insurer and service contact named on your policy schedule. Have your policy reference and a short description of the enquiry ready.

Class of business: CompositeLicensed to write both life and non-life business under one entity.
Parent / group: Government of Mozambique
Ownership: State-owned / parastatalOwned wholly or partly by a national government or parastatal.Ownership is what the ISSM register or workbook records. It does not by itself mean the government guarantees this insurer’s policyholder liabilities.
Regulator: Instituto de Supervisao de Seguros de Mocambique (ISSM)issm.gov.mz
Local currency: MZN
Source basis: ISSM market pages retrieved 22 Sep 2026: "Seguradoras" (23 licensed insurers, with authorised branches Vida / Não Vida), "Micro-seguradoras" (1 licensed microinsurer) and "Resseguradoras" (1 licensed reinsurer)
Country verification: Verified - full register · ISSM market pages retrieved 22 Sep 2026: "Seguradoras" (23 licensed insurers, with authorised branches Vida / Não Vida), "Micro-seguradoras" (1 licensed microinsurer) and "Resseguradoras" (1 licensed reinsurer)
Identifiers: slug mozambique-emose · row 606/api/v1/insurers/mozambique-emose.json