KAFOLAT SUG'URTA KOMPANIYASI

Data collected on 23.10.2026More details

KAFOLAT SUG'URTA KOMPANIYASI is an insurance company, taxpayer ID 202288236. This page: contacts, a list of offices and insurance products from the company’s website.

The information is taken from insurers’ websites and may be out of date.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.

About the company

Taxpayer ID	202288236
Founded	14 March 1997
Head office	100000, Amir Temur Avenue, 13A
Phone	+998 71 202-20-02 24/7 support service; short call center number 1828; the main page also lists 71 202 88 22. For other questions, the Telegram bot and the «Partners» service: +998 71 202 45 45. Complaints and suggestions (9:00-18:00): +998 94 210 20 02.
Email	info@kafolat.uz
Company website	kafolat.uz ↗
Social networks	Telegram ↗, Facebook ↗, Instagram ↗, Youtube ↗, Linkedin ↗

Insurance products

Motor insurance

Product	Description	Price
Compulsory motor liability insurance (OSAGO) ↗ Compulsory Buy online ↗	This is a type of insurance that protects drivers from financial losses arising from damage caused to third parties while driving a vehicle. Financial protection of the life, health or property of third parties against damage; Ensuring compensation to victims at the expense of the insurance company. Insurance payment procedure: Total liability: 80 000 000 Maximum payment for damage caused to a vehicle or property – 28 000 000 Maximum payment for damage caused to a person's life and health – 52 000 000 Important! If the damage to the vehicle exceeds 28 000 000 so‘m, the insurance company covers only this amount. The remaining amount will be paid by the driver at fault. Compulsory motor liability insurance (OSGO) covers only damage caused to third parties. Damage caused to one's own car is not covered by this type of insurance. If a driver wants to protect their own car, it is recommended to take out KASKO insurance.	Calculated on the company’s website
Gas cylinder insurance ↗ Buy online ↗	Insurance of gas equipment installed on a motor vehicle provides financial protection in the event of damage resulting from an accident, fire, theft and other unforeseen situations. Financial protection of the life, health or property of third parties against damage; ensuring compensation to victims at the expense of the insurance company	Calculated on the company’s website
KASKO insurance for individuals ↗ Voluntary	KASKO is voluntary insurance of a vehicle against various risks such as theft, road traffic accidents, natural disasters and other external impacts. Comprehensive protection of your vehicle against various risks; receiving financial compensation if the vehicle is damaged. Sum insured: the sum insured does not exceed the market value of the vehicle and is set by agreement with you.	Calculated on the company’s website
KASKO insurance ↗ Voluntary	KASKO is voluntary insurance of vehicles owned by legal entities against theft, road traffic accidents, natural disasters and other external impacts. This type of insurance helps legal entities protect their transport assets and ensure financial stability. Full comprehensive protection of vehicles of legal entities; Minimization of financial losses caused by road traffic accidents; Guaranteed insurance payouts in case of damage to or loss of a vehicle; Round-the-clock support and round-the-clock prompt assistance and consultations on preparing the insurance company's documents	Calculated on the company’s website

Personal insurance

Product	Description	Price
Family accident insurance ↗ Buy online ↗	Family accident insurance is a type of insurance that protects family members from financial losses caused by unexpected incidents. This policy provides insurance protection for each family member and helps cover the necessary expenses in the event of an accident. Comprehensive insurance protection for all family members; Payments when harm is caused as a result of an accident; Coverage of treatment and rehabilitation costs; Payments in case of temporary or permanent loss of working capacity; Payment to the family in case of death of the insured person	Calculated on the company’s website
Accident insurance for athletes ↗ Buy online ↗	Accident insurance for athletes is a type of insurance that protects professional and amateur athletes against the financial consequences of injuries and other accidents that occurred during training and competitions. Financial support in the event of injuries and accidents; Coverage of treatment and rehabilitation costs; Peace of mind while pursuing sporting success	Calculated on the company’s website
Accident insurance for schoolchildren and students ↗ Buy online ↗	An accident is an event that occurred against the will of the insured schoolchild under the influence of external factors, as a result of which harm to health may be caused or death may occur. Such cases include: poisoning by poisonous plants, chemicals, medicinal products or low-quality food, fractures and dislocations of bones, burns, frostbite, electric shock, as well as infection with tick-borne encephalitis and other diseases caused by external factors. In addition, insurance coverage extends to cases of drowning, anaphylactic shock, heat stroke, hypothermia and the related financial losses. Possibility of receiving financial compensation as a result of an accident; Coverage of medical expenses at the expense of insurance; Additional financial protection for the family	Calculated on the company’s website
Accident insurance for individuals ↗ Buy online ↗	The possibility of receiving financial compensation in the event of an accident. Coverage of medical expenses; Additional financial protection for the family	Calculated on the company’s website
Accident insurance for children in camp ↗ Buy online ↗	Insurance of children in health and summer camps is a type of insurance that provides protection against the financial consequences of accidents that may occur while children stay in recreation camps and health centers. This type of insurance covers possible injuries received during classes, sports events and other activities. Coverage of medical expenses in case of harm to the child's health; Payments in case of temporary or permanent loss of working capacity as a result of injury or an accident; Payment for emergency medical care and rehabilitation; Financial support for the family in the event of the death of the insured child	Calculated on the company’s website
Accident insurance for drivers ↗ Buy online ↗	Accident insurance for vehicle drivers is a type of insurance that protects the driver against financial losses caused by accidents that occurred while driving a vehicle. Financial assistance in case of injuries or accidents; Coverage of medical expenses related to treatment and recovery; Payouts in the event of temporary or permanent loss of working capacity	Calculated on the company’s website
Accident insurance for mother and child ↗	Accident insurance for mother and child is a type of insurance that provides protection against financial losses associated with sudden accidents. This policy helps ensure family safety and reduce the cost of medical services. Coverage of medical expenses in case of an accident; payment for rehabilitation and treatment for mothers and children; payments in case of temporary or permanent loss of working capacity; compensation in case of harm to a child's health	Calculated on the company’s website
Accident insurance for passengers ↗	Passenger accident insurance is a type of insurance designed to compensate for damage caused as a result of accidents that occurred while travelling by public transport, a personal car or another vehicle. In particular, this includes accidents involving a vehicle, injury when boarding or alighting, bruises or damage while the vehicle is moving, injuries resulting from emergency braking or other unforeseen circumstances, as well as the death of the insured person as a result of an accident. Financial protection against accidents while travelling by transport; Coverage of treatment and rehabilitation costs; Insurance payments in case of injury or disability; Payment of compensation to relatives of the insured person in case of their death	Calculated on the company’s website
Accident insurance for preschool children ↗	Accident insurance for preschool-age children is a type of insurance that provides protection against the financial consequences of accidents that may occur at home, in kindergarten or in other places. This type of insurance covers risks related to children's activity, providing financial assistance in case of injuries and unexpected medical situations. Coverage of unforeseen medical expenses; Insurance payouts in case of injuries or damage; Payment for emergency medical care and rehabilitation; Financial stability for parents	Calculated on the company’s website
Accident insurance for individual entrepreneurs ↗	Accident insurance for sole proprietors is a type of insurance providing the entrepreneur with financial protection against the consequences of accidents that may occur during professional activity or in everyday life. Coverage of medical expenses in the event of an accident; Financial support during treatment and rehabilitation; Payments for temporary or permanent loss of working capacity; Additional compensation in the event of serious injuries or disability	Calculated on the company’s website
Insurance of the population against accidents and infectious diseases ↗	Insurance of the population against accidents and infectious diseases is a comprehensive type of insurance that protects citizens from possible financial losses caused by unexpected accidents and infectious diseases. This type of insurance helps to compensate medical expenses and provides financial support in emergency situations. Coverage of medical expenses resulting from an accident; Compensation of treatment and rehabilitation costs for infectious diseases; Insurance payments in case of loss of working capacity; Financial assistance for emergency medical care and doctors' services; Material support to the family of the insured person in case of their death	Calculated on the company’s website
Accident insurance on the territory of recreation areas ↗ Buy online ↗	This type of insurance protects against financial risks associated with the death and/or injury of the insured person as a result of accidents that may occur at recreation areas, resorts, ski resorts, bodies of water, water parks and other leisure zones. Receiving an insurance payment in case of injury resulting from an accident; Payment of the established sum insured to the heirs in the event of the death of the insured person; Financial peace of mind and protection during vacation; The ability to choose the insurance term and sum insured according to your needs	Calculated on the company’s website

Health insurance

Product	Description	Price
Insurance in case of an infectious disease ↗ Buy online ↗	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	Calculated on the company’s website
Insurance against illness ↗	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	Calculated on the company’s website

Travel insurance

Product	Description	Price
Travel insurance ↗ Buy online ↗	The object of insurance is the life and health of the insured person sent abroad for temporary work, in order to protect against possible accidents, illnesses and other risks. Financial protection in the event of accidents at the workplace and outside it; Coverage of treatment and rehabilitation costs in the event of illness or injury	Calculated on the company’s website
Tourist insurance ↗ Buy online ↗	This type of insurance provides financial protection for foreign tourists who have arrived in the Republic of Uzbekistan when receiving medical care. The insured person receives guaranteed support in case of unexpected medical problems, illnesses or accidents during their stay in the country. Provision of emergency medical care and urgent doctor call-out; Coverage of outpatient and inpatient treatment costs; Financial support for diagnostics, laboratory tests and medical examinations; Coverage of medication costs; Coverage of rehabilitation costs after accidents and illnesses; Medical transport if necessary	Calculated on the company’s website
Insurance of persons traveling abroad against the risk of death ↗ Buy online ↗	This type of insurance is aimed at the financial protection of citizens of the Republic of Uzbekistan traveling abroad against the risk of death caused by an accident. The insured person gets the opportunity to protect themselves and their loved ones from unforeseen situations that may arise while staying abroad. Determination of the sum insured by agreement with the insurer; Guaranteed payment of the sum insured to the family of the insured person in the event of death as a result of an accident; Possibility of covering the costs of repatriating the body of the deceased to Uzbekistan; Round-the-clock support and consultation from the insurance company	Calculated on the company’s website
Labor migrant insurance ↗	This type of insurance protects citizens traveling abroad for temporary work from various unforeseen situations, including accidents, illnesses and other financial losses. The insured person receives financial assistance in case of health problems or emergencies while staying abroad. Financial protection in case of accidents at the workplace and outside it; coverage of treatment and rehabilitation costs in case of illness or injury; the possibility of receiving emergency medical care abroad; financial support for the family in case of death of the insured person	Calculated on the company’s website

Property insurance

Product	Description	Price
Property insurance for individuals - OBOD XONADON ↗ Buy online ↗	Object of insurance: The property interests of individuals related to the ownership, use and disposal of property are the object of insurance. Receiving financial compensation if property is damaged; protection against many risks, such as natural disasters and unlawful acts; the ability to choose insurance terms that suit your needs	Calculated on the company’s website
Property insurance during vacation ↗	Insured object: residential premises - apartment, house, dacha; interior property - furniture, household appliances, works of art and other valuables; additional objects - garage, warehouse, summer cottage or other ancillary buildings. Receiving financial compensation if property is damaged; broad protection against natural disasters, man-made incidents and unlawful acts; the ability to choose insurance terms that suit your needs	Calculated on the company’s website
Property insurance for individuals ↗	Object of insurance: private property of citizens, including residential houses let out for rent, buildings and structures, trade equipment, furniture, office equipment, household and industrial appliances, objects of unfinished capital construction, as well as household property (home furniture, everyday and consumer items, as well as household articles belonging to the policyholder and his family members and located in the insured house). Receiving financial compensation if property is damaged; protection against many risks, such as natural disasters and unlawful acts; the ability to choose insurance terms that suit your needs	Calculated on the company’s website

Liability insurance

Product	Description	Price
Compulsory liability insurance of private notaries ↗ Compulsory Buy online ↗	This type of insurance protects the property interests of persons who have suffered as a result of notarial acts performed by a private practising notary, by means of insurance payouts. Sum insured: For notaries operating in the cities of Tashkent, Nukus and regional administrative centers – not less than 1000 times the basic calculated value. For notaries operating in other localities – not less than 500 times the basic calculated value. Insurance premium: Determined by agreement of the parties, but may not be less than 1% of the sum insured. Possibility of compensation for material damage caused as a result of notarial acts Guaranteed insurance payments to injured individuals and legal entities Protection of the legal and financial interests of users of notarial services Increased legal certainty and security in notarial activity	Insurance premium: determined by agreement of the parties, but may not be less than 1% of the sum insured
Compulsory civil liability insurance of an employer (OSGOR) ↗ Compulsory	This type of insurance is compulsory under Resolution of the Cabinet of Ministers No. 177 of 24 June 2009 and provides financial protection related to compensation of harm to the life or health of an employee in the event of injury, occupational disease or other damage to health in the performance of work duties during the term of the compulsory employer's civil liability insurance contract. Ensuring legal and financial protection of employees; preserving the employer’s financial stability; guarantee of security of labor relations	Calculated on the company’s website
Compulsory civil liability insurance of a carrier (OSGOP) ↗ Compulsory	This type of insurance is compulsory under Cabinet of Ministers Resolution No. 266 of 15 September 2015 and covers the carrier's civil liability for compensation of damage caused to the life, health and (or) property of passengers. Protection of passengers' life and health with insurance coverage; Ensuring the financial stability of the carrier; Reducing the financial consequences of accidents	Calculated on the company’s website
Compulsory insurance of hazardous production facilities ↗ Compulsory	This type of insurance is compulsory in accordance with Resolution of the Cabinet of Ministers No. 271 of December 10, 2008 and provides for civil liability insurance of organizations operating hazardous production facilities for causing harm to the life, health and property of third parties, as well as to the environment, in the event of an accident. Financial protection against accidents at hazardous production facilities; Insurance protection of organizations' civil liability; Compensation for damage caused to the environment	Calculated on the company’s website
Civil liability insurance for organizations operating hydraulic engineering structures ↗	This type of insurance is compulsory in accordance with Resolution of the Cabinet of Ministers No. 457 of July 30, 2024 and provides for civil liability insurance of organizations operating hydraulic structures for causing harm to the life, health and property of third parties, as well as to the environment, in the event of an emergency. Financial protection against the consequences of emergencies at hydraulic structures; Insurance protection of the civil liability of organizations; Compensation of damage caused to the environment	Calculated on the company’s website
General civil liability insurance ↗	This type of insurance is aimed at covering possible financial losses arising from causing harm to the life, health and (or) property of third parties in the course of business or other activity. The insurance coverage ensures compensation of damage within the limits of the policyholder's legal obligations. Protection against unexpected financial losses in business; Reduction of legal liability for damage caused to third parties; Preservation of the trust and reputation of the insured person	Calculated on the company’s website
Professional liability insurance of auditors ↗	This type of insurance is aimed at covering possible financial losses arising from errors or violations committed by auditors in the performance of their professional duties. Insurance coverage helps minimize risks and ensures the financial stability of the auditor. Protection against financial risks arising in the course of audit activity; Reduction of liability for damage caused to third parties; Preservation of the auditor's professional reputation and increased client trust	Calculated on the company’s website
Professional liability insurance of advocates ↗	This type of insurance is aimed at covering possible financial losses that a lawyer may cause to their clients or third parties in the course of professional activity. If a lawyer makes a mistake or commits a violation that causes damage to a client, the insurance company compensates such damage in the established manner. Protection against professional risks arising in the activity of a lawyer; Compensation of losses caused to clients or third parties; Support of the lawyer's reputation and increased trust	Calculated on the company’s website
Professional liability insurance of medical workers ↗	This type of insurance is aimed at compensating for harm that medical workers may cause to patients in the course of their professional activities through error or negligence. If a doctor or medical specialist makes a wrong diagnosis or makes a mistake during treatment or surgery, the insurance company will compensate the damage caused. Protection of medical workers against professional risks; Compensation of material and moral damage caused to patients; Protection of the legal and financial interests of medical specialists	Calculated on the company’s website
Accountant liability insurance ↗	This type of insurance is aimed at covering losses that may be caused to clients as a result of mistakes made by accountants in the course of their professional activities. If an accountant makes an error in calculations or in tax or financial reporting that leads to material damage to the client, the insurance will help compensate the losses. Protection against financial losses caused by professional errors of accountants; Increased trust of clients and partners through liability insurance; Coverage of legal costs and compensation payments	Calculated on the company’s website
Appraiser liability insurance ↗	This type of insurance is aimed at covering losses caused to clients or third parties as a result of errors or negligence of appraisers in the performance of their professional duties. If an appraiser made an error in the valuation and this led to financial losses for the client, the insurance will help compensate for the damage. Protection against financial losses caused by errors in conducting an appraisal; Increasing the trust of clients and partners; Coverage of legal costs and compensation payments	Calculated on the company’s website
Professional liability insurance of notaries ↗	This type of insurance protects the property interests of persons who have suffered as a result of notarial acts performed by a private practising notary, by means of insurance payouts. Sum insured: For notaries operating in the cities of Tashkent, Nukus and regional administrative centers – not less than 1000 times the basic calculated value. For notaries operating in other localities – not less than 500 times the basic calculated value. Insurance premium: Determined by agreement of the parties, but may not be less than 1% of the sum insured. Possibility of compensation for material damage caused as a result of notarial acts Guaranteed insurance payments to injured individuals and legal entities Protection of the legal and financial interests of users of notarial services Increased legal certainty and security in notarial activity	Insurance premium: determined by agreement of the parties, but may not be less than 1% of the sum insured

Business insurance

Product	Description	Price
Compulsory construction risk insurance (CAR) ↗ Compulsory	This type of insurance is compulsory under Resolution of the Cabinet of Ministers No. 532 of 20 December 1999. It is aimed at covering construction risks that may arise in the implementation of construction projects financed from state funds or loans guaranteed by the government. The insurance covers construction sites, installation processes, as well as possible damage to third parties. Coverage of possible losses during construction and installation works; Reduction of liability for damage caused to third parties; Ensuring financial stability and safe completion of the project	Calculated on the company’s website
Construction and erection risk insurance ↗	This is a type of insurance aimed at covering various risks arising during construction and installation work. It provides financial protection for construction sites, machinery, materials and equipment, as well as compensation for damage caused to third parties. Coverage of damage caused to construction sites and materials; Reduction of liability for damage caused to third parties during construction work; Protection against financial losses arising from unforeseen situations at the construction site; Ensuring uninterrupted and safe project implementation	Calculated on the company’s website

Other insurance

Product	Description	Price
Insurance against loss of personal documents ↗ Buy online ↗	Personal document insurance is an effective way to protect against unexpected expenses and financial losses arising from their loss or damage. In case of loss of documents, theft, robbery, armed robbery, mechanical, thermal or electromagnetic impact, or their complete destruction, the insurance protection will cover the losses incurred. Compensation of financial losses related to restoring documents; Coverage of the costs of re-issuing lost documents; Minimizing the stress and inconvenience arising from unforeseen situations	Calculated on the company’s website

Offices and units

Head office (1)

Unit	Address	Phone
JSC “Insurance Company KAFOLAT”	100000, Amir Temur Avenue, 13A	+998 71 202 20 02

Branches (14)

Unit	Address	Phone
Republic of Karakalpakstan branch	Nukus city, Miras Street, 24	+998612222934
Andijan region branch	Andijan city, Cholpon Street, 181	+99875800088
Bukhara region branch	Bukhara city, B.Naqshband Street, 3	+998652215579
Jizzakh region branch	Jizzakh city, Sh.Rashidov Street, 39	+998722264045
Kashkadarya region branch	Karshi, I. Karimov Street, 295	+998752211039
Navoi region branch	Navoi city, Galaba Street, 151	+998792249800
Namangan regional branch	Namangan city, Azodlik, 22	+998990770710
Samarkand region branch	Samarkand city, M. Kashgari Street, 48	+998937205014
Syrdarya region branch	Gulistan city, Uzbekiston Street, 40	+998672250004
Surkhandarya region branch	Termez city, Tarakkiyot Street, 40A	+998912280287
Tashkent region branch	Tashkent city, Shaykhantakhur district, Zulfiyakhanum Street, 1	+998931839993
Fergana region branch	Fergana city, Nurafshan Street, 35B.	+998939801050
Khorezm region branch	Urgench city, Tinchlik Street, 90	+998556042002
Tashkent city branch	Tashkent city, Shaykhontohur district, Abay Street, 15A	+998781505004

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