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ASA-H · Assurance Syndicat Alternative en Haïti

ASA-H, the insurance company of the BACCA network

ASA-H underwrites every policy in the group: life, vehicle, Protectat mortgage, death, food security, loan protection and cooperative credit — plus community insurance for education, health, business, property and travel.

  • Registration — individual member

    3,500 G

  • Registration — association

    35,000 G

ASA-H — Assurance Syndicat Alternative en Haïti

The group’s insurance company

Assurance Syndicat Alternative en Haïti

ASA-H is the company that underwrites the policies distributed by BACCABANK. Subscribe at a branch or online, pay your premiums from your account, and report a claim 24/7 in line with the procedures set out in your contract.

ASA-H policies

Savings & family protection

Life insurance

A lump sum paid to your designated beneficiaries, with an optional progressive savings plan that can be converted into an annuity or a lump sum at maturity.

  • Beneficiaries of your choice, named at subscription
  • Monthly, quarterly or annual premiums
  • Partial surrender possible after 24 months

Premium: On request

Cars, trucks, motorcycles, walk-behind tractors, boats

Vehicle insurance

A single policy covers your entire fleet on land and water: cars, heavy goods vehicles, motorcycles, walk-behind tractors and boats included.

  • Third-party liability and damage cover to choose from
  • Heavy goods vehicles and farm machinery accepted
  • Accident report assisted by the branch agent

Premium: On request

Protection of the financed property

Mortgage insurance — Protectat

Protectat covers the mortgaged property and the outstanding balance for the entire term of the home loan.

  • Linked to a home loan or mortgage
  • Covers fire, damage and major disasters
  • Outstanding balance paid off as per the policy

Premium: On request

Funeral costs & immediate support

Death insurance

Covers funeral costs and promptly pays financial support to the family, without waiting for the estate to be settled.

  • Fast-tracked payment to the family
  • Funeral costs covered according to the schedule
  • Can be extended to parents and grandparents

Premium: On request

Household food security

Food security insurance

A cover unique to the network: it guarantees access to a basic food basket in the event of lost income, a poor harvest or a disaster.

  • Food basket guaranteed for a set period
  • Linked to the network’s farming value chains
  • Can be combined with education insurance

Premium: On request

Borrower — death, disability, unemployment

Loan protection insurance

If the borrower dies, becomes disabled or loses their livelihood, the insurance takes over the repayments.

  • Repayments covered according to the claim
  • Mandatory above a certain loan amount
  • Premium based on the outstanding principal

Premium: On request

Cooperatives, savings cells & groups

Cooperative credit insurance

Protects the loan portfolio of cooperatives and savings cells against default by their members.

  • Taken out by the cooperative on behalf of its members
  • Default risk pooled across members
  • Portfolio monitoring with the agricultural credit union

Premium: On request

BACCA community insurance · 2026 rates

The covers below are tied to community membership of the network. A single registration gives access to education, health, business, property and travel insurance.

Education insurance

  • School pupil

    Insured
    900 G / term
    Uninsured
    300 G / meal
  • University student

    Insured
    1,250 G / term
    Uninsured
    400 G / meal
  • Teacher

    Insured
    1,500 G / term
    Uninsured
    600 G / meal

Health insurance

Operating entity: SSP — People’s Health Service

Registration — individual

3,500 G

Annual membership of the people’s health network.

Registration — institution

35,000 G

Group cover for associations and businesses.

Basic care

30–35%

Rate applied according to the insurance policy taken out.

Insured individual

4,050 G

Home visits included, with no transport costs.

Uninsured individual

17,500 G

Plus 12,000 G for the ambulance and a 15,000 G service fee.

Institution

13,300 G

Rate applicable to institutional members.

Business insurance — comprehensive cover

Registration — insurance card

US$999 · 129,870 G

50% to 80% cover after loss assessment, depending on the size of your business.

Monthly fees

48,100 G · US$370

Monthly debit that keeps the institutional cover active.

Community property insurance

Registration — standard

3,500 G

35,000 G for an institution.

Insurance card — standard

US$50 · 6,500 G

Amount being finalised.

Travel & tourism insurance

Term deposit — Open Card

US$25,000

Term deposit assessed when the Open Card is opened, giving access to travel and tourism cover.