Voluntary health insurance, illness and infectious disease cover. Coverage differs between programmes: see the programme page at the company for what the policy includes.
Data collected on 03.11.2026More details
This page lists 23 products from 13 insurance companies: names, descriptions and prices published on the companies’ websites. A price or rate is published for 1 of 23 products; the insurer calculates the rest on its site. Prices are not compared here: terms and coverage differ between programmes.
The information is taken from insurers’ websites and may be out of date.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.
Insurance in case of illness protects the property interests of insured employees, guaranteeing financial support in the event of loss of working capacity or death caused by illness. Death as a result of illness; full, partial or permanent loss of working capacity (disability); temporary loss of working capacity due to illness
1.1. These Rules of insurance in case of illness (hereinafter - the Rules) have been developed in accordance with the legislation of the Republic of Uzbekistan and the Charter of the joint-stock company «ALFA LIFE INSURANCE» (hereinafter - the Insurer) and define the basic conditions of insurance in case of illness under class 2 of the general insurance sector, excluding insurance under class IV of the life insurance sector. 4.1. An insured event is an actually occurred event provided for in the insurance contract, upon the occurrence of which, in accordance with the terms of the insurance contract, the Insurer becomes obliged to make an insurance payment (sum insured) and which is confirmed by documents.; An insured event under a medical insurance contract is the Insured person's application, during the insurance period, to one of the medical institutions provided for by the insurance contract in case of acute illness, exacerbation of a chronic disease, injury, poisoning and other cases, for consultative, preventive, curative and other care requiring medical services within the list provided for by the insurance contract.; 4.2. The insurance contract may be concluded on the following terms:; 4.2.1. On the terms of «Full insurance liability».;…
Voluntary health insurance (DMS) is an excellent way to take care of company employees and increase their productivity. This service can be useful both for employees and for the organization itself. It will help raise its status in the eyes of highly qualified specialists and business partners, which will favorably affect business development. An insured event is the Insured Person's visit to medical institutions to receive services in the event of:; deterioration of their health as a result of illness (including acute illness);; exacerbation of a chronic disease;; an accident and/or other health disorder;
Reliable financial protection against sudden injuries and dangerous infections! Covers the consequences of unforeseen incidents (accidents, injuries, falls, bites, poisonings, etc.), as well as newly diagnosed infectious diseases (tick-borne encephalitis, botulism, meningitis, etc.). Stay confident in any situation! One policy for up to 10 people aged from 2 to 75 years; coverage includes injuries, disability and death as a result of an accident and newly diagnosed infectious diseases; programmes «Attention», «Care», «My Doctor». COVID-19 is not included in the programme
An insurance program providing for payment of the sum insured when a critical illness is diagnosed. The policy helps provide financial support to the insured person to cover the costs of treatment, rehabilitation or other necessary expenses related to the illness. The insurance payout is made once the diagnosis is confirmed in accordance with the terms of insurance What it covers: critical illness of the insured person diagnosed during the insurance period; death of the insured person as a result of a critical illness during the insurance period | Age of insured persons: from 1 to 55 years; Insurance period: not less than 5 years; Geography: worldwide
An insurance program providing financial protection upon diagnosis of infectious diseases. The policy provides for an insurance payment upon confirmation of the disease. The program is aimed at reducing the financial burden on the insured in the event of illness What it covers: Payout upon diagnosis of an infectious disease; Death as a result of an infectious disease | Age of insured persons: From 1 to 70 years; Insurance period: Up to 1 year; Territory: Worldwide
Voluntary health insurance (DMS) best demonstrates management's care for the health of the staff and provides: round-the-clock access to medical services; the possibility of fully shifting the payment of medical expenses under the insurance program to the insurer; a reduction in the turnover rate of valuable employees; the possibility of receiving better service and an individual approach, etc. What it covers: DENTISTRY; SEPTOPLASTY; CARDIAC SURGERY; MEDICATIONS; MEDICAL MASSAGE; CANCER TREATMENT; LASER VISION CORRECTION; MATERNITY CARE; OPTICS; TRANSPLANTATION; PSYCHIATRIC CARE; TUMOR MARKERS; PET-CT; GENETIC TESTING | Age of insured persons: 5-65 years; Insurance period: 365 days; Geography: Republic of Uzbekistan | Payment: the full amount must be paid | Client type: the client must be a legal entity | Age: the age must be over 18 | Geography: Uzbekistan
MADAD is an insurance program for first-diagnosed critical illnesses. It is intended for cases when a person is diagnosed with a critical illness requiring treatment for the first time. The program helps organize medical care: from confirming the diagnosis to choosing a medical institution, agreeing on a treatment plan and arranging the necessary services. Coverage: oncology (all types of cancer), neurosurgery, heart surgery (valve replacement and/or repair), transplantation of donor tissues and organs; telemedicine; travel and accommodation for the insured person and one accompanying person. Plans: Standart - $100 000 per year, oncology and transplantation, treatment in Uzbekistan, Russia, India; Optimal - $100 000 per year, oncology, transplantation, neurosurgery, heart surgery, Uzbekistan, Russia, India, Turkey, China; Premium - $200 000 per year, the same risks, Uzbekistan, Russia, India, Turkey, South Korea, China, Spain, Germany. Contract term 5 years, the premium is paid annually; pre-existing conditions are not covered; waiting period 90 days (oncology and cardiovascular) and 180 days (transplantation). Age: 18-60 years at inception, no more than 65 at the end of the contract; children aged 3-18 as dependents
Standart - from 2 million UZS/year; Optimal - from 3 600 000 UZS/year; Premium - from 7 850 000 UZS/year
Voluntary health insurance (DMS) is a type of insurance that provides the insured person with medical services, the costs of which are reimbursed by the insurance company. The insured receives medical services (doctor appointments without queues, hospitalization in comfortable conditions, service for citizens of any foreign state); the grounds are acute illness, exacerbation of a chronic condition, injury (including burns and frostbite), poisoning. Not covered: diabetes mellitus, mental illnesses, tuberculosis, AIDS, COVID-19, etc.
Voluntary health insurance (DMS) for employees: access to quality medical services at clinics and hospitals included in the insurance program. Medical services at partner clinics (more than 350 clinics across Uzbekistan): diagnostics, treatment, support; 24/7 assistance service (telephone consultations, appointments with specialists, calling a doctor and an ambulance, arranging hospitalization - 100% within the service amount); outpatient clinic care (consultations, laboratory diagnostics, instrumental examinations, physiotherapy); home doctor visits. The sum insured / limit in UZS is not explicitly stated on the page.
Takaful is a mutual insurance system based on the principles of shared responsibility and fairness. Participants pay contributions into a common fund, from which compensation is paid when an insured event occurs.
Comprehensive medical care and insurance protection for foreign students in Uzbekistan. Full support through assistance services and financial support in emergency situations. Under this insurance product, the necessary medical care for the insured person in the event of an acute illness or sudden deterioration of health arising during the term and within the territory of the insurance contract is arranged and paid for through specialized assistance services. - Provision is also made for an insurance payment upon an accident specified in the contract that results in the death of the insured person.
Financial protection and guaranteed payouts upon confirmation of an infectious disease. Reliable support for you, your family or your employees throughout the Republic of Uzbekistan. Which risks are included? 1. Salmonellosis; 2. Staphylococcal food poisoning (dysentery); 3. Diphtheria; 4. Meningococcal infection; 5. Brucellosis, first diagnosed; 6. Tetanus; 7. Acute poliomyelitis; 8. Ebola and Marburg fevers, Yellow fever; 9. Viral hepatitis: a) viral hepatitis type A; b) viral hepatitis type B; c) other types of hepatitis specified as viral; 10. Botulism; 11. Rubella; 12. Measles, including complications in the form of encephalitis or blindness; 13. Epidemic parotitis (mumps), including complications in children and adolescents in the form of orchitis/oophoritis; 14. Scarlet fever; 15. Rabies; 16. Plague. Cholera; 17. Anthrax; 18. Whooping cough, including severe complications (cerebral hemorrhage, rupture of the eardrums, pneumothorax, etc.); 19. Chickenpox; 20. Tick-borne viral encephalitis.
Comprehensive care for the health of your employees: from dentistry to high-tech surgeries. An effective tool for motivating staff and strengthening corporate culture in Uzbekistan. - The voluntary health insurance (DMS) program is an effective tool for caring for employees' health and confirms the employer's social responsibility. DMS provides employees with round-the-clock access to quality medical services and allows the employer to optimize the cost of medical care for staff by transferring it to the insurer. - The program helps reduce staff turnover, increase employee loyalty and motivation, and also provides an individual approach and a high level of service.
Insurance against infectious diseases is a type of insurance that protects the insured person from financial losses associated with the diagnosis of infectious diseases during the term of the insurance policy. This type of insurance covers medical expenses and other financial losses upon diagnosis of the following infectious diseases: salmonellosis, staphylococcal food poisoning, botulism, brucellosis (first diagnosed), diphtheria, meningococcal infection, tetanus, tick-borne viral encephalitis, acute poliomyelitis, typhoid fever, dysentery, viral hepatitis (first diagnosed), viral hepatitis type A, viral hepatitis type B, other types of hepatitis specified as viral, rabies, epidemic parotitis (mumps), measles, scarlet fever, whooping cough and coronavirus infection COVID-19. Financial protection against unexpected medical expenses; Insurance payments in case of loss of working capacity due to an infectious disease; Coverage of medical procedures and rehabilitation costs; Emergency medical care in urgent cases
This type of insurance provides for payment by the insurer of the sum insured or financial compensation in case of sudden illness of the insured person due to natural causes (except chronic diseases and their complications). Insurance protection covers cases of temporary loss of working capacity, complete permanent loss of working capacity, partial permanent loss of working capacity or death. Coverage of unexpected medical expenses; prevention of loss of income due to illness; financial protection of the insured person and their family
Medical insurance clients receive professional care in more than 400 clinics and pharmacies across the country. Any illness of an employee that threatens health or life or requires urgent medical intervention is covered by insurance; medical care will be organized and paid for under voluntary medical insurance (DMS). Payment for medical services in case of illness; calling a doctor to your home; calling an ambulance for urgent medical care; emergency hospitalization in private clinics; preventive medical check-up; flu vaccination; purchase of medicines; urgent dental services; call center 24/7/365; the opportunity to obtain the opinion of world-class doctors
High-level medical care for company employees in the best clinics of Uzbekistan: more than 400+ clinics and pharmacies, 24/7 online support (more than 50 specialist doctors and psychologists). The program is tailored to the company. Basic programme - category of medical institutions: Basic, Comfort, VIP (VIP - access to the best clinics in Uzbekistan); the coverage limit of the basic programme and the services are configured independently.
Yuqumli kasalliklar bilan kasallanishi tufayli Sugʻurtalangan shaxs Tibbiy muassasaga murojaat qilishi va unga tibbiy xizmat koʻrsatilishi The insured person’s visit to a medical institution and provision of medical care to them in case of an infectious disease
For receiving quality medical care without additional payment, using a voluntary health insurance (DMS) policy is very convenient. However, given a number of features of the current legislation regulating the healthcare sector, in case of infectious diseases treatment may be provided only in specialized medical institutions (providing free services to the population). Nevertheless, an infectious disease requires not only timely treatment but also subsequent rehabilitation, which no longer falls within the competence of the medical institution, yet is also associated with certain costs. Within this product, protection is provided in case of contracting a number of infectious diseases (except for acute respiratory viral infections and influenza, which are an insured event under a voluntary health insurance policy). When an insured event occurs, an insurance payout is made as a percentage of the sum insured, depending on the type of disease.
A voluntary health insurance (DMS) policy makes it possible to receive quality medical care without additional costs. When an insured event occurs, qualified staff of the specialized assistance service will help select the necessary specialist, undergo the required diagnostics and receive appropriate treatment. Our partners include leading medical institutions and pharmacy chains providing licensed services throughout the territory of the republic. Programs: ESKULAP - Outpatient and polyclinic care, Doctor home visit; AVITSENNA - Outpatient and polyclinic care, Doctor home visit, Ambulance and emergency medical care; ASKLEPIY - Outpatient and polyclinic care, Ambulance and emergency medical care, Medication coverage during outpatient and polyclinic care in the amount of 20% of the sum insured; GIPPOKRAT - Outpatient and polyclinic care, Doctor home visit, Inpatient care; GALEN - Outpatient and polyclinic care, Doctor home visit, Ambulance and emergency medical care, Inpatient care; PANATSEYA - Outpatient and polyclinic care, Doctor home visit, Ambulance and emergency medical care, Inpatient care, Medication coverage during outpatient and polyclinic care, Emergency dental care. At the client's request, additional options (including vaccination, preventive check-up, etc.) may be included in a given program. Reduction coefficients are provided for family and group insurance.
Protect your health with our innovative insurance product - insurance against infectious diseases. Property interests are insured against losses related to infectious diseases; the coverage includes medical expenses and possible financial losses. List of diseases: salmonellosis, staphylococcal food poisoning, botulism, brucellosis (first diagnosed), diphtheria, meningococcal infection, tetanus, tick-borne viral encephalitis, acute poliomyelitis, typhoid fever, dysentery, viral hepatitis A and B (first diagnosed) and other viral hepatitis, rabies, mumps, measles, scarlet fever, whooping cough
13 insurance companies describe such products on their websites: Alfa Invest Sug‘urta, Alfa Life Insurance, Apex Insurance, Apex Life Insurance, Aria Sug‘urta, Gross Sug‘urta, Kafolat Hayot Insurance, Kafolat Sug‘urta, Mosaic Insurance Group, Neo Insurance Corp, O‘zagrosug‘urta, O‘zbekinvest Hayot Sug‘urta, Trust Insurance.
How much does health insurance cost?
A price or rate is published for 1 of 23 products: see the tables on this page. The insurer calculates the rest on its site; the price depends on terms and coverage.
Can I buy health insurance online?
5 insurance companies have a link to buy at least one such product online: Apex Insurance, Gross Sug‘urta, Kafolat Sug‘urta, O‘zagrosug‘urta, Trust Insurance.
Alfa Invest Sug‘urta
Alfa Life Insurance
Apex Insurance
Apex Life Insurance
Aria Sug‘urta
Gross Sug‘urta
Kafolat Hayot Insurance
Kafolat Sug‘urta
Mosaic Insurance Group
Neo Insurance Corp
O‘zagrosug‘urta
O‘zbekinvest Hayot Sug‘urta
Trust Insurance