In Africa, there is an alarming third wave as the vaccine rollout is hampered. In recent light of the vaccine rollout in all parts of the world, third world countries vaccine rollout seems to be stagnant, experts fearing that it may take decades to vaccinate their respective countries.

The World Health Organisation (WHO) regional office has reported that the third wave of Covid-19 cases is spreading faster in Africa. On Thursday, 17 June 2021, WHO regional director for Africa, Dr Matshidiso Moeti warned, “With a rapid increase in the number of cases and increasing reports of severe disease, the latest wave threatens to be the worst to date in Africa,”

According to the regional office, for five consecutive weeks, Africa has seen an increase in Covid-19 cases, signaling the beginning of the third wave in Africa. “As of 20 June—day 48 into the new wave—Africa had recorded around 474 000 new cases—a 21% increase compared with the first 48 days of the second wave.” As reported by WHO, the pandemic is resurging in 12 African countries and at the current rate of infections, the ongoing surge is set to surpass the previous one by early July.

18 African countries have already used over 80% of their COVAX vaccine supplies, 29 have administered over 50% of their suppliers, and eight have exhausted their vaccine supply. It is important to be aware that just over 1% of Africa’s population has been fully vaccinated. Globally, 2.7 billion doses have been administered, with just under 1.5% having been administered in Africa.

Dr Moeti is urging the international community to help Africa deal with the Covid-19 vaccine supply as the surge threatens to impair not only Africa’s economy but society.



Lynn Mackenzie, our Immigration Lead, recently had the privilege of interviewing Cris Mwebesa, Partner and Advocate at AfriLex Associates, about Tanzania’s immigration landscape.

To listen to Lynn and Cris’ conversation about immigration in the current context, click here to view the recording, or view it below.

Crispin has exceptional experience, knowledge, and networks in sectors
such as Competition & Antitrust, Immigration Laws and Policies, Mergers &
Acquisitions, and Intellectual Property. He leads Afrilex Associates’
practices in those areas. He helps clients to identify and manage legal risks, by seeing beyond immediate legal challenges and allows them to seize the opportunities that lie ahead.

Holding an LLB, an LLM in Corporate Commercial Law, and an MBA in
Finance from the University of Dar es Salaam, Crispin has been fond of the
laws and principles that govern the land. Under Financial Transactional
work, Crispin has advised clients on transactions concerning business
relocations and advised on the consequential legal and tax-related issues.

Further, he has demonstrated great ability to assist organisations with
immigration disputes that they or their staff may face, having also
effectively garnered investment permits, work and residence permits for
organisations and official personnel.

Crispin is a learner, passionate about the pursuit of knowledge and
understanding which helps him to be market-aware, able to connect the
dots to see the bigger picture and creates a real competitive advantage for
his clients. Crispin is a registered Advocate of the High Court of Tanzania, and a member of the Tanganyika Law Society and East Africa Law Society.

We would like to say a huge thank you to Cris for his insights. We hope you enjoy the recording.

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.

Sources: [1], [2]. Image sources: [1], [2].

This article was first published by The Africa Report.

The South African insurer sees lots of potential in the market, but it needs bancassurance allies and better messaging to reach more customers.

Partnerships between insurers and banks can help to increase the penetration rate of insurance in Tanzania in 2020, says Geofray Masige, chief financial officer of Sanlam General Insurance Tanzania. Bancassurance “has the potential to be transformative,” Masige tells The Africa Report. The country’s main banks now all have a physical presence across Tanzania, which Masige sees as “a very significant improvement. The levels of service will be quite high.”

Tanzania’s insurance penetration rate is among the lowest in Africa, at 0.5% in December, according to GCR Ratings in Johannesburg. GCR sees a “moderately healthy” outlook for growth, with gross premiums predicted to increase at a compound annual rate of 4% over the next five years.
For foreign insurers, Masige says, there is “a lot of potential in this market. The future is open for those who come here with products.”

The biggest challenge, according to him, is to use “local means to reach local people in a language and with a message that they can understand.” Clear examples of this working are so far lacking, he says. In terms of life insurance, “something has to change in the way we put across the message.”

The challenge is to convert informal community arrangements into modern insurance services, he says. “We need the right partners.” Increasing access to the internet in rural areas will help to spread the message: “The level of understanding is still very low.”

Banking partnerships

The fact that banks in Tanzania are now allowed to use their branch networks for insurance distribution is “a positive move”, Masige says. There has been “lots of appetite from top-tier banks,” he adds. “We should be able to make progress.”

Tanzanian government attempts at industrialisation are also increasing the size of the potential market. Sanlam, which is seeking operational expansion into areas such as Arusha, is open to partnership proposals from banks.

In Tanzania, Sanlam’s bancassurance partners include the National Bank of Commerce. Across Africa, the firm has teamed up with banks such as Fidelity, Zenith and Stanbic, as well as with telecoms giant MTN to extend its reach. Such a strategy aims at giving Sanlam protection against a slowdown in its in South African home market.

According to François Jurd de Girancourt, head of the McKinsey Africa financial institutions practice, African insurance is expected to grow by 7%-8% in local currency terms in the coming five years. South Africa is likely to be an exception to that rule, owing to “subdued local economic conditions, coupled with the maturity of the South African market,” says Yvonne Mujuru, head of insurance ratings at GCR.

Sanlam bought the remaining shares in Moroccan insurance company Saham for $1.1bn in late 2018. Faster-growing markets such as Kenya, Uganda and Tanzania could help mitigate challenging growth prospects in South Africa.

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.

Sources: [1], [2]. Image sources: [1], [2].

Tigo Pesa customers can now send and receive money from M-PESA in Kenya, MTN in Uganda, Airtel and MTN in Rwanda.

Tanzania’s leading digital lifestyle company, Tigo Tanzania (, launched a service that allows all Tigo Pesa customers to send and receive cash  on  their mobile money wallets  from M-PESA in Kenya, MTN in Uganda and MTN and Airtel in Rwanda.

The service now ensures that Tigo Pesa customers are connected to all major mobile money serivces across the East African region a move that will grow transactions for cross-border remittance users.

This new service between the 4 countries further cements how Tigo adapts to its customers’ needs with digital solutions and it also means that the benefits of mobile money can be extended to cross-border trade, allowing businesses and families to transfer money quickly and securely in East Africa. This partnership further cements our position as a provider of choice for Mobile financial services and we believe this venture will increase the number of transactions for cross-border remittance users.

Tigo Tanzania’s Acting Chief Officer for Mobile Financial Services (MFS) Angelica Pesha

“To send money to the different services, Tigo Pesa customers can dial *150*01# on their mobile phones, select send money, send out of the country,select either Kenya,Uganda or Rwanda.” Explained Pesha.

MTN Uganda has been at the forefront of financial innovation pioneering in the delivery of a wide range of financial services such as micro savings, loans, insurance and merchant payments through MoMoPay.

To be able to make our wide network available to customers across the East African region, this is testimony to our continued drive to extend affordable, reliable, secure financial services to not only our customers in Uganda, but to all people in the region.

Stephen Mutana MTN Uganda General Manager Mobile Financial Services

“As Mobile Money is becoming borderless, this partnership with Tigo Tanzania is part of our commitment to offer our customers within the East African Community; an option to transfer funds to their friends, families and business partners using their Airtel Money Wallets.

While receiving Money from Tigo Tanzania is free, to send Money to Tigo Tanzania, Airtel Money customer dials *500*1*3# and follows the prompts ” said Jidia Gasana from Airtel Rwanda

This partnership between Safaricom, MTN, Airtel and Tigo Tanzania will enable us meet the growing demand for cross border transactions within East Africa. M-PESA has been the preferred International Money Transfer choice for many Kenyans who find the service fast, safe, affordable and convenient.

To send money to the different services, M-PESA customers can dial *840# on their mobile phones or through mySafaricom App by selecting the “M-PESA Global” option under “M-PESA” then selecting “Send”. 

For information as to how Relocation Africa can help you with your Mobility, Immigration, Research, Remuneration, and Expat Tax needs, email, or call us on +27 21 763 4240.

Sources: [1], [2]. Image sources: [1], [2].