Kafolat Hayot Insurance vs O‘zbekinvest Hayot Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of Kafolat Hayot Insurance (Кафолат Хаёт Иншуранс) and O‘zbekinvest Hayot Sug‘urta (Узбекинвест Хаёт 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 life insurance: Kafolat Hayot Insurance — rank 5, O‘zbekinvest Hayot Sug‘urta — rank 6.
Also known as: Кафолат Хаёт Иншуранс and Узбекинвест Хаёт 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The information is taken from insurers’ websites and may be out of date.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
 Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
 O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
|
|---|---|---|
| Rank in life insurance | 5 of 7 | 6 of 7 |
| Net premiums | 7.3 billion UZS | 5.3 billion UZS |
| Year on year | −33.1% | +24.6% |
| All premiums | 7.3 billion UZS | 5.3 billion UZS |
| Market share | 0.1% | 0.1% |
| Payouts | 2.8 billion UZS | 5.8 billion UZS |
| Payout ratio | 38.8% | 109.9% |
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
| Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 7 | 7 |
| Offices in total | 8 | 8 |
| Offices on the map | no | no |
Products by type of insurance
| Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
|
|---|---|---|
| Personal insurance | 3 | 11 |
| Health insurance | 3 | 2 |
| Travel insurance | 1 | 3 |
| Business insurance | 0 | 1 |
| Products in total | 7 | 17 |
| Compulsory motor liability (OSGO) | no | no |
| KASKO programmes | 0 | 0 |
| Can be bought online | 0 | 0 |
| With a published price | 0 | 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.
Kafolat Hayot Insurance · O‘zbekinvest Hayot Sug‘urta
About the companies
| Kafolat Hayot Insurance / Кафолат Хаёт Иншуранс |
O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
|
|---|---|---|
| Founded | — | 22.12.2003 |
| Charter capital | — | equivalent of 40 billion UZS |
| Phone | +998 55 050-11-11 | +998 71 207-47-74 |
| Company website | kafolathayot.uz ↗ | uzhayot.uz ↗ |
Compare Kafolat Hayot Insurance with another company
Compare O‘zbekinvest Hayot Sug‘urta with another company
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Frequently asked questions
Which company is bigger — Kafolat Hayot Insurance or O‘zbekinvest Hayot Sug‘urta?
In the NAPP report as of 01.07.2026, in life insurance, Kafolat Hayot Insurance is at rank 5 and O‘zbekinvest Hayot Sug‘urta at rank 6. Net premiums year to date: Kafolat Hayot Insurance — 7.3 billion UZS, O‘zbekinvest Hayot Sug‘urta — 5.3 billion UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of Kafolat Hayot Insurance and O‘zbekinvest Hayot Sug‘urta?
In the NAPP report as of 01.07.2026: Kafolat Hayot Insurance — 38.8%, O‘zbekinvest Hayot Sug‘urta — 109.9%. 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 — Kafolat Hayot Insurance or O‘zbekinvest Hayot Sug‘urta?
According to the companies’ websites: Kafolat Hayot Insurance has 8 offices, O‘zbekinvest Hayot Sug‘urta has 8 offices.