Alfa Life Insurance vs Kafolat Hayot Insurance: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Alfa Life Insurance (Альфа Лайф Иншуранс) and Kafolat Hayot Insurance (Кафолат Хаёт Иншуранс): NAPP figures, offices, products by type of insurance, compulsory motor liability, KASKO and online purchase on one page. Products and offices are as published on the companies’ websites on 23.10.2026.
In the NAPP report as of 01.07.2026, in life insurance: Alfa Life Insurance — rank 4, Kafolat Hayot Insurance — rank 5.
Also known as: Альфа Лайф Иншуранс and Кафолат Хаёт Иншуранс
Highlighted: more offices, more products that can be bought online and a higher app score. Premiums, payouts and the number of products are not highlighted: they show the size of a company, not the quality of its service. Policy prices are not compared here: companies price KASKO, voluntary health and other voluntary insurance individually, and the compulsory motor liability tariff is set by the state and is the same everywhere. The comparison is for reference: check the terms with the insurer.
The information is taken from insurers’ websites and may be out of date. Check conditions, tariffs and the licence status with the insurer. It is not a recommendation or an offer to conclude a contract.
NAPP figures
 Alfa Life Insurance / Альфа Лайф Иншуранс |
 Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
|
|---|---|---|
| Rank in life insurance | 4 of 7 | 5 of 7 |
| Net premiums | 26.2 billion UZS | 7.3 billion UZS |
| Year on year | +45.2% | −33.1% |
| All premiums | 26.2 billion UZS | 7.3 billion UZS |
| Market share | 0.4% | 0.1% |
| Payouts | 9.7 billion UZS | 2.8 billion UZS |
| Payout ratio | 37% | 38.8% |
Source: NAPP report as of 01.07.2026; premiums and payouts are year to date, “Year on year” is premium growth against the same date last year. Net premiums are all premiums minus those ceded to reinsurers. The payout ratio is payouts divided by all premiums; it can exceed 100% because payouts are also made under contracts from previous years. NAPP report ↗
Offices
| Alfa Life Insurance / Альфа Лайф Иншуранс |
Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 14 | 7 |
| Service centres | 1 | 0 |
| Offices in total | 16 | 8 |
| Offices on the map | no | no |
Products by type of insurance
| Alfa Life Insurance / Альфа Лайф Иншуранс |
Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
|
|---|---|---|
| Personal insurance | 12 | 3 |
| Health insurance | 2 | 3 |
| Travel insurance | 5 | 1 |
| Products in total | 19 | 7 |
| Compulsory motor liability (OSGO) | no | no |
| KASKO programmes | 0 | 0 |
| Can be bought online | 6 | 0 |
| With a published price | 0 | 0 |
The number of products follows the pages on the companies’ websites: one company splits a programme into several products, another combines them, so more products does not always mean a wider choice. Prices are not compared.
Alfa Life Insurance · Kafolat Hayot Insurance
About the companies
| Alfa Life Insurance / Альфа Лайф Иншуранс |
Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
|
|---|---|---|
| Founded | 25 May 2009 | — |
| Charter capital | more than 40,3 billion UZS | — |
| Phone | +998 78 120-01-37 | +998 55 050-11-11 |
| Company website | alfalife.uz ↗ | kafolathayot.uz ↗ |
Compare Alfa Life Insurance with another company
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Frequently asked questions
Which company is bigger — Alfa Life Insurance or Kafolat Hayot Insurance?
In the NAPP report as of 01.07.2026, in life insurance, Alfa Life Insurance is at rank 4 and Kafolat Hayot Insurance at rank 5. Net premiums year to date: Alfa Life Insurance — 26.2 billion UZS, Kafolat Hayot Insurance — 7.3 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Alfa Life Insurance and Kafolat Hayot Insurance?
In the NAPP report as of 01.07.2026: Alfa Life Insurance — 37%, Kafolat Hayot Insurance — 38.8%. This is payouts divided by premiums year to date; it can exceed 100% because payouts are also made under contracts from previous years. The payout ratio alone does not make a company better or worse.
Which company has more offices — Alfa Life Insurance or Kafolat Hayot Insurance?
According to the companies’ websites: Alfa Life Insurance has 16 offices, Kafolat Hayot Insurance has 8 offices.
Where can more policies be bought online — Alfa Life Insurance or Kafolat Hayot Insurance?
Links to buy online: Alfa Life Insurance — 6 products, Kafolat Hayot Insurance — 0 products. The company itself, not this site, arranges and issues the policy.