O‘zbekinvest Hayot Sug‘urta vs Agros Hayot Sug‘urta: insurance company comparison
Updated: 10.11.2026 18:05More details
Comparison of O‘zbekinvest Hayot Sug‘urta (Узбекинвест Хаёт Сугурта) and Agros Hayot Sug‘urta (Агрос 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: O‘zbekinvest Hayot Sug‘urta — rank 6, Agros Hayot Sug‘urta — rank 7.
Also known as: Узбекинвест Хаёт Сугурта and Агрос 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The information is taken from insurers’ websites and may be out of date.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
 O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
 Agros Hayot Sug‘urta / Агрос Хаёт Сугурта |
|
|---|---|---|
| Rank in life insurance | 6 of 7 | 7 of 7 |
| Net premiums | 5.3 billion UZS | 969 million UZS |
| Year on year | +24.6% | −67.9% |
| All premiums | 5.3 billion UZS | 969 million UZS |
| Market share | 0.1% | <0.1% |
| Payouts | 5.8 billion UZS | 1.5 billion UZS |
| Payout ratio | 109.9% | 155.7% |
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
| O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
Agros Hayot Sug‘urta / Агрос Хаёт Сугурта |
|
|---|---|---|
| Head office | 1 | 1 |
| Branches | 7 | 0 |
| Offices in total | 8 | 1 |
| Offices on the map | no | no |
Products by type of insurance
| O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
Agros Hayot Sug‘urta / Агрос Хаёт Сугурта |
|
|---|---|---|
| Personal insurance | 11 | 2 |
| Health insurance | 2 | 0 |
| Travel insurance | 3 | 1 |
| Business insurance | 1 | 0 |
| Products in total | 17 | 3 |
| Compulsory motor liability (OSGO) | no | no |
| KASKO programmes | 0 | 0 |
| Can be bought online | 0 | 3 |
| With a published price | 2 | 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.
O‘zbekinvest Hayot Sug‘urta · Agros Hayot Sug‘urta
About the companies
| O‘zbekinvest Hayot Sug‘urta / Узбекинвест Хаёт Сугурта |
Agros Hayot Sug‘urta / Агрос Хаёт Сугурта |
|
|---|---|---|
| Founded | 22.12.2003 | — |
| Charter capital | equivalent of 40 billion UZS | — |
| Phone | +998 71 207-47-74 | +998 71 200-04-40 |
| Company website | uzhayot.uz ↗ | agros-hayot.uz ↗ |
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Frequently asked questions
Which company is bigger — O‘zbekinvest Hayot Sug‘urta or Agros Hayot Sug‘urta?
In the NAPP report as of 01.07.2026, in life insurance, O‘zbekinvest Hayot Sug‘urta is at rank 6 and Agros Hayot Sug‘urta at rank 7. Net premiums year to date: O‘zbekinvest Hayot Sug‘urta — 5.3 billion UZS, Agros Hayot Sug‘urta — 969 million UZS. The size of a company says nothing about the quality of its service.
What is the payout ratio of O‘zbekinvest Hayot Sug‘urta and Agros Hayot Sug‘urta?
In the NAPP report as of 01.07.2026: O‘zbekinvest Hayot Sug‘urta — 109.9%, Agros Hayot Sug‘urta — 155.7%. 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 — O‘zbekinvest Hayot Sug‘urta or Agros Hayot Sug‘urta?
According to the companies’ websites: O‘zbekinvest Hayot Sug‘urta has 8 offices, Agros Hayot Sug‘urta has 1 office.
Where can more policies be bought online — O‘zbekinvest Hayot Sug‘urta or Agros Hayot Sug‘urta?
Links to buy online: O‘zbekinvest Hayot Sug‘urta — 0 products, Agros Hayot Sug‘urta — 3 products. The company itself, not this site, arranges and issues the policy.