Government of Egypt does not have a common approach to managing various insurance mandates for the informal workers holistically. Income tax, health insurance (HI) and pensions-social insurance (SI) contributory mandates – all originate from different legal frameworks, with different requirements, rules, procedures, exclusions, and exemptions. This makes the system inefficient, non-transparent, and easy to evade. There is no vision of a unified policy or enforcement mechanism when, for example, individual participates in the HI but not in SI-pensions, or the other way around. No data is shared, no action is taken. Importantly, all those benefits and schemes are not marketed as a package, which produces inefficiencies at many different levels, weakening public communications around the Government of Egypt (GoE) efforts.
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