Apex Insurance vs Kafolat Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Apex Insurance (Апекс Иншуранс) and Kafolat Sug‘urta (Кафолат Сугурта): 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 general insurance: Apex Insurance — rank 1, Kafolat Sug‘urta — rank 6.
Also known as: Апекс Иншуранс and Кафолат Сугурта
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The information is taken from insurers’ websites and may be out of date.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
 Apex Insurance / Апекс Иншуранс |
 Kafolat Sug‘urta / Кафолат Сугурта |
|
|---|---|---|
| Rank in general insurance | 1 of 29 | 6 of 29 |
| Net premiums | 1.52 trillion UZS | 294.3 billion UZS |
| Year on year | +41.2% | +92% |
| All premiums | 2.07 trillion UZS | 829 billion UZS |
| Market share | 25.6% | 5% |
| Payouts | 927 billion UZS | 155.8 billion UZS |
| Payout ratio | 44.7% | 18.8% |
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
| Apex Insurance / Апекс Иншуранс |
Kafolat Sug‘urta / Кафолат Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 57 | 14 |
| Service centres | 27 | 0 |
| Departments | 44 | 0 |
| Offices in total | 129 | 15 |
| Offices on the map | yes | no |
Products by type of insurance
| Apex Insurance / Апекс Иншуранс |
Kafolat Sug‘urta / Кафолат Сугурта |
|
|---|---|---|
| Motor insurance | 5 | 4 |
| Personal insurance | 2 | 12 |
| Health insurance | 1 | 2 |
| Travel insurance | 2 | 4 |
| Property insurance | 1 | 3 |
| Liability insurance | 2 | 12 |
| Business insurance | 1 | 2 |
| Other insurance | 2 | 1 |
| Products in total | 16 | 40 |
| Compulsory motor liability (OSGO) | yes | yes |
| KASKO programmes | 2 | 2 |
| Can be bought online | 16 | 16 |
| With a published price | 5 | 2 |
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.
Apex Insurance · Kafolat Sug‘urta
About the companies
| Apex Insurance / Апекс Иншуранс |
Kafolat Sug‘urta / Кафолат Сугурта |
|
|---|---|---|
| Founded | 3 August 2018 | 14 March 1997 |
| Charter capital | 1,06 trillion UZS | 215,5 billion UZS |
| Phone | +998 71 203-08-08 | +998 71 202-20-02 |
| Company website | apexinsurance.uz ↗ | kafolat.uz ↗ |
Mobile apps
| Apex Insurance / Апекс Иншуранс |
Kafolat Sug‘urta / Кафолат Сугурта |
|
|---|---|---|
| App | — | Kafolat |
| Overall score | — | 5.00 (1) |
| Google Play | — | — |
| App Store | — | 5.00 (1) ↗ |
| Rank | — | — |
Retail apps by their Google Play and App Store ratings. If a company has several apps, the one ranked higher is compared; a rank is given to apps with at least 30 ratings, and a value is highlighted only if both apps have that many. Rating of bank and insurance company apps
Compare Apex Insurance with another company
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Frequently asked questions
Which company is bigger — Apex Insurance or Kafolat Sug‘urta?
In the NAPP report as of 01.07.2026, in general insurance, Apex Insurance is at rank 1 and Kafolat Sug‘urta at rank 6. Net premiums year to date: Apex Insurance — 1.52 trillion UZS, Kafolat Sug‘urta — 294.3 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Apex Insurance and Kafolat Sug‘urta?
In the NAPP report as of 01.07.2026: Apex Insurance — 44.7%, Kafolat Sug‘urta — 18.8%. 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 — Apex Insurance or Kafolat Sug‘urta?
According to the companies’ websites: Apex Insurance has 129 offices, Kafolat Sug‘urta has 15 offices.
Can I buy compulsory motor liability insurance from Apex Insurance and Kafolat Sug‘urta?
Yes, both companies offer it. The tariff is set by the state: the policy costs the same at every insurer.
Where can more policies be bought online — Apex Insurance or Kafolat Sug‘urta?
Links to buy online: Apex Insurance — 16 products, Kafolat Sug‘urta — 16 products. The company itself, not this site, arranges and issues the policy.