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Illustrated portrait of Moldova; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Moldova

Central-bank supervision

MoldovaNBM

Insurance supervision in Moldova.

AI-generated country illustrationSources checked

01 / The institution

NBM

Insurance supervision transferred to the National Bank of Moldova on 1 July 2023. The 2022 insurance law entered into force on 1 January 2023.

How it is structured

Central-bank supervision

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

20259

Insurance companies

Eight general insurers and one composite insurer at year-end.

Opening paragraph ↗

Insurance penetration. A current premium-to-GDP ratio has not been independently verified for this profile. No estimate is substituted.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

ReviewedNOTE 01

2025 · Published

National Bank of Moldova — financial situation of the insurance sector in 2025 ↗

The regulator’s published annual sector analysis was read. General and life insurance are separated; institutional counts refer to the end of December 2025.

Motor share of general premiums

71.6%+

Motor liability and vehicle-damage insurance dominated general business. The regulator also reported a rising combined operating ratio above 100%.

National Bank of Moldova — financial situation of the insurance sector in 2025Premium composition and financial overview · Country illustration
Read the original publication ↗

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

General enquiries
official@bnm.mdSource ↗

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. 98 Annual Report (NBM, 2023) ↗Checked
  2. Official contact page ↗Checked
  3. Official institutional contact information ↗Checked
  4. National Bank of Moldova — financial situation of the insurance sector in 2025 ↗Checked
  5. Official contact details ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.