CIMA and FANAF organized the General Estates of Insurance from 07 to 09 March 2018 in Abidjan (Côte d’Ivoire). RESOLUTIONS OF THE GENERAL ESTATES WORKSHOP 1 : RESTORE TRUST BY AUTOMOBILE INSURANCE Continue the revision of Book II of the Insurance Code relating to compensation for bodily injury and material damage, strengthen the sanctions and require better organization of claims services and markets with published procedures and quality standards ; Set up a platform (accessible by internet or mobile) allowing policyholders and motorists to directly establish amicable reports or to collect information allowing insurers to have the circumstances of accidents in real time, and to the police to complete and establish the PV of report with more speed ; Establish a framework for collaboration with the authorities (Gendarmerie and Police) in charge of establishing and issuing reports of accident reports ; The need to adopt a regulation for the establishment of automobile guarantee funds and TPV terminals in all member states WORKSHOP 2 : INSURANCE DISTRIBUTION: WHAT STRATEGY FACING CURRENT CHANGES? Strengthen the operational capacities of the National Insurance Departments and the frequency of intermediaries controls ; Establish a code of ethics for the intermediary profession ; Finalize the draft regulation on the distribution of insurance by digital means, by widening the consultation to telecommunications regulators, banks, as well as players in the insurance market ; Create a digital platform centralizing the fleet ; Ensure the interconnection of intermediaries to the information system of insurers. WORKSHOP 3 : SELL AND MANAGE LIFE INSURANCE IN THE CIMA AREA The participants recommend that the regulatory system relating to the withholding of commissions and zillmerization be maintained in good condition for a period of 10 years to allow companies to form distribution networks and prepare them for the automatic elimination of this practice on the market. from this period ; The participants recommend that the method for calculating the minimum regulatory profit sharing be maintained. However, in the event of a net profit achieved, the profit sharing cannot be less than a quantum of the net profit ; The participants recommend strengthening and emphasizing the information used to guarantee the identification of insured persons and beneficiaries of contracts at the time of signing the contract and when paying the benefits ; Participants recommend better cooperation and training of players in the financial ecosystem for optimizing the functioning of the financial system and investment management in insurance companies ; In addition, the participants recommend compliance with the provisions of the Insurance Code with regard to the minimum amount of government bonds to be held in the portfolio.. WORKSHOP 4 : DEEPENING THE THEME « MICROINSURANCE AS A VECTOR OF GROWTH AND SOCIAL INCLUSION » The establishment of a think tank for the recasting of the law on microinsurance ; Flexibility at the CIMA level for approvals of microinsurance companies with a minimum requirement for the integrated information systems to be set up by companies ; Support from each CIMA region for operators in the agricultural sector. To do this, a call to corporate social responsibility (CSR) beneficiaries would be essential ; WORKSHOP 5 HEALTH INSURANCE : HOW TO MEET THE NEEDS OF POPULATIONS WHILE ENSURING PROFITABILITY ? Propose a framework for permanent consultation between CIMA and CIPRES to discuss issues relating to CMU and Health Insurance ; Offer (modular) products at costs accessible to all populations, based on the average health expenditure of the population ; Encourage the creation of Health Pools. WORKSHOP 6 : MARKET CONSOLIDATION AND NEW CHALLENGES IN THE CONTROL OF INSURANCE IN THE CIMA AREA Leave it to each state to make other types of insurance compulsory; the General Secretariat of CIMA will have to make recommendations to the States on the types of insurance to make compulsory; Encourage States to acquire, define or designate the entities or structures to control these new compulsory insurances ; Establishment of a commission responsible for continuing to reflect on the evolution of our solvency system towards a risk-based solvency system. ESTABLISHMENT OF A MONITORING COMMITTEE The participants recommend the establishment of a follow-up committee to the resolutions of the Estates General composed of CIMA, FANAF, DNA, FIAC and other resource persons.