"L'assurance CAH c'est du CA$H"

🛡️ Compagnie d’Assurance d’Haïti (CAH) S.A.

Compagnie d’Assurance d’Haïti S.A. (CAH) is an established Haitian insurance company founded in 1973, with roots extending to the Armand Insurance Group’s insurance operations dating back to 1952. The company provides insurance solutions for individuals, families, businesses and institutions throughout Haiti.

CAH operates across two principal areas: Life & Health Insurance and Property & Casualty Insurance. Its portfolio includes life and medical insurance, automobile insurance, home and property coverage, commercial and industrial insurance, liability, transportation, construction and business interruption protection.

The company also offers health-care solutions through Assurmedic and the CAH-Multimed prepaid medical-care network, which connects insured clients with participating healthcare facilities, laboratories and pharmacies.

CAH distinguishes itself through its long-standing presence in Haiti, broad range of insurance products and combination of insurance and healthcare services. Its commercial offerings include customized multirisk protection designed to address the specific risks faced by businesses and institutions.

With decades of experience serving the Haitian market, CAH provides coverage designed to protect people, property, vehicles and businesses against a wide range of personal and commercial risks.

📜 History & Heritage

The company’s history is connected to the development of Haiti’s modern insurance industry. The Armand Insurance Group’s general insurance agency dates to 1952 and represented international insurers including Hartford Insurance Company of Connecticut, CNA and AGF. Following AGF’s withdrawal from Haiti, Multi-Assurances S.A. was established in 1988. Groupe Dynamic acquired Multi-Assurances in 1991 and CAH in 1993. Multi-Assurances subsequently merged with CAH on January 1, 2001.

CAH also expanded its health-insurance infrastructure through the creation of Multimed. Its first outpatient clinic opened in 1998, followed by additional locations at Unimed in Delmas 32 and Hôpital du Canapé Vert. The Multimed model became an important component of CAH’s health-insurance offering.

🎯 Mission & Business Focus

CAH’s business model centers on protecting people, property, businesses and financial interests against insured risks. Its services are structured around two complementary areas:

• Life & Health Insurance

• Property & Casualty Insurance

The company’s published business-insurance approach emphasizes studying individual and organizational risks and developing coverage appropriate to the insured’s circumstances. Its health division combines traditional reimbursement-based medical insurance with prepaid healthcare through the CAH-Multimed network.

⭐ Key Strengths & Differentiators

• More than six decades of insurance-market heritage through the broader Armand Insurance Group history.

• CAH itself traces its establishment to 1973.

• Dual specialization in Life & Health and Property & Casualty Insurance.

• Health-insurance infrastructure incorporating the CAH-Multimed prepaid-care model.

• Coverage for individuals, families, businesses and institutions.

• Broad commercial-risk capabilities covering property, transportation, liability, construction and business interruption.

• Tailored multirisk insurance for commercial and industrial SMEs.

• Automobile coverage incorporating collision, theft, fire, natural-disaster and other optional protections.

• Experience with major catastrophe-related claims, including claims arising from the January 12, 2010 earthquake.

• Published information indicates that CAH uses international reinsurance arrangements and emphasizes capacity for large risks.

🏷️ Key Product Lines & Brands

❤️ Life & Health

• Individual Life Insurance

• Group Life Insurance

• Term Life Insurance

• Whole Life Insurance

• Accident-related life benefits

• Total and irreversible loss-of-autonomy protection

• Major Medical / Traditional Medical Insurance

• Individual and family medical insurance

• Assurmedic

• CAH-Multimed

• School Insurance

🚗 Automobile

• Automobile Insurance

• Collision Coverage

• Comprehensive / “Tous Risques” Coverage

• Theft Coverage

• Fire Coverage

• Glass Breakage Coverage

• Natural Disaster Coverage

• Fleet Insurance

• Professional Automobile / Garage Insurance

🏠 Property & Commercial

• Home Insurance

• Fire & Allied Perils

• Natural Disaster Insurance

• Commercial Property Insurance

• Industrial Property Insurance

• Business Multirisk Insurance

• Business Interruption Coverage

• Rental Liability

• Third-Party Liability

🚢 Transportation & Construction

• Marine Cargo Insurance

• Air Cargo Insurance

• Road Transportation Insurance

• Construction / All-Risk Construction Insurance

• Transported Goods Coverage

CAH’s automobile materials specifically describe coverage for vehicles used to transport people or goods, along with optional protections for glass, theft, fire, collision, natural disasters and comprehensive risks.

🛡️ Products & Services

CAH provides insurance underwriting and risk-protection services for personal and commercial clients. Its life and health division provides traditional medical insurance in which eligible expenses are submitted for reimbursement, as well as prepaid medical care through the CAH-Multimed network.

Its property and casualty division provides insurance solutions for residences, automobiles, businesses and institutions. Commercial clients can obtain customized multirisk coverage addressing exposures such as theft, fire, flooding, vandalism, civil disturbances, natural disasters, transportation of private merchandise and business interruption.

The company also provides liability protection for bodily and material damage to third parties arising from business activities, as well as construction, cargo, marine, aviation and road-transport insurance.

For automobile claims involving glass damage, CAH describes a process involving an approved repairer, assessment of the damage and direct payment to the repairer subject to the applicable contractual terms and deductible.

📍 Branch Locations

Compagnie d’Assurance d’Haïti S.A.
100 Boulevard Toussaint Louverture
Route de l’Aéroport
Port-au-Prince, Haiti

CAH also identifies three CAH-Multimed healthcare locations associated with its medical insurance program:

• Hôpital du Canapé Vert

• Hôpital Français d’Haïti

• Complexe Médical Unimed, Delmas 32

These are healthcare-network locations rather than independently verified CAH administrative branches.

☎️ Phone Numbers

Main/current company number:
+509 28 10 07 00

Additional numbers:
+509 31 70 07 00
+509 28 11 07 00

📧 Email Addresses

General: info@cah.ht

President's email: pharmand@cah.ht

cah@groupedynamic.com

info@groupedynamic.com, 

info@cah.ht

💬 WhatsApp Contact

+509 31 70 07 00

🕐 Hours of Operation

Monday–Friday: 8:00 AM – 4:00 PM
Saturday: Closed
Sunday: Closed

💳 Accepted Payment Methods

Contact CAH to verify payment methods.

👤 Key People

Philippe R. Armand — President

🏆 Market Position & Competitive Context

CAH operates in Haiti's multiline insurance market alongside companies offering combinations of automobile, property, health, life, commercial and other insurance products.

Its market positioning is distinguished by the combination of life and health insurance with a diversified property-and-casualty portfolio, plus the CAH-Multimed healthcare infrastructure. The company also has a longer historical lineage than many newer insurers, with the CAH corporate history dating to 1973 and the associated Armand Insurance Group insurance agency dating to 1952.

Competitors vary in emphasis. For example, AIC is a multiline Haitian insurer founded in 2001, while NASSAGROUP operates separate property and people-insurance branches through NASSA and INASSA. UniAssurances operates as part of the Unibank group, while Soge Assurance operates within Groupe Sogebank.

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