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Life and accident insurance in Uzbekistan

Accident insurance for adults, children, students and athletes, long-term life insurance, borrower life insurance and annuity contracts.

Data collected on 03.11.2026More details

This page lists 120 products from 28 insurance companies: names, descriptions and prices published on the companies’ websites. A price or rate is published for 8 of 120 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The information is taken from insurers’ websites and may be out of date.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.

Compulsory types

O‘zbekinvest Hayot Sug‘urta

Product Description Price
Compulsory insurance in the life insurance sector (annuity contracts) ↗ Compulsory JSC «SK O'zbekinvest Hayot» announces the resumption of activities in compulsory types of insurance in the life insurance sector, based on License No. 1408682 dated 27.02.2026 issued by NAPP of the Republic of Uzbekistan.
Compulsory insurance in the life insurance sector means the conclusion of annuity contracts under the Law «On Compulsory Insurance of the Employer's Civil Liability». An annuity contract ensures that injured insured persons, or their dependents, receive compensatory insurance payments in the event of permanent loss of working capacity or death. It is precisely in view of the high social significance of this law that it obliges all employers, regardless of the form of ownership, to conclude OSGOR contracts to protect the interests of the employees they hire. Life insurance companies that carry out compulsory insurance, including JSC «IC O'zbekinvest Hayot», are an important link in realizing the legal rights of injured employees to receive insurance payments made over a long period (more than one year).		 Calculated on the company’s website

Other programmes

Agros Hayot Sug‘urta

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		Protect your life from accidents with reliable insurance – we care about your peace of mind!
Defaults on the application form: “Coverage amount” 10 000 000 UZS, insurance term 1 year; detailed coverage is published on the website only as an image of the rules		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary
Buy online ↗
On the application form by default: “Coverage amount” 10 000 000 UZS, insurance term 1 year; detailed coverage is not published on the page		 Calculated on the company’s website

Alfa Invest Sug‘urta

Product Description Price
Group accident insurance of employees in production ↗ Voluntary Group insurance protects employees from the consequences of industrial accidents. Insurance contributions are paid by the employer, and the policy is issued for the whole team.
Industrial injury, partial or total loss of working capacity, disability, death of the employee (payout to the family); as a rule valid around the clock (24/7), at the employer's request - during working hours only		 Calculated on the company’s website
Accident protection ↗ Voluntary
Buy online ↗ 		Payouts of up to 100 000 000 UZS in case of injury for you and your whole family, even when playing sports. A spouse and children can be included in the insurance.
Sum insured up to 100 000 000 UZS. Risks: injury as a result of an accident (including road accidents), Group I and II disability, dangerous and extreme sports, hospital treatment costs and costs during sick leave, death. Protection begins 7 days after payment and is valid for 1 year		 Calculated on the company’s website

Alfa Life Insurance

Product Description Price
Long-term life insurance with a bonus payout ↗ Voluntary Long-term life insurance with a bonus payout is life insurance that allows accumulating a certain sum of money and receiving investment income.
Insurance protection of your life provided by JSC "ALFA LIFE INSURANCE" includes the following risks:; survival of the insured person until the end of the insurance term or the age specified in the insurance contract;; death of the insured person during the insurance period from any cause, except for the stipulated cases.		 Calculated on the company’s website
Long-term life insurance with lifetime annuity payments ↗ Voluntary Long-term life insurance with a lifetime annuity payment is a flexible, progressive insurance product that allows the policyholder to optimise cash flows and provides additional income after reaching retirement age.
Insurance protection of your life provided by JSC “ALFA LIFE INSURANCE” includes the following risks:; survival of the insured person to the date of regular payments (monthly, quarterly or annual);; survival of the insured person to the date of annual payments (from age 60);; death of the insured person before full receipt of the savings contributed by them.		 Calculated on the company’s website
Voluntary life insurance of the borrower ↗ Voluntary
Buy online ↗ 		Our borrower life and health insurance program is designed so that you can calmly achieve your goals, whether it is buying a home or a car or developing a business. We take on the risks so that you are not left alone with financial difficulties. The key advantage of this insurance product is its broad coverage: protection against accidents, critical illnesses and loss of working capacity.
An insured event is the presence of overdue monthly payments on the outstanding portion of the principal debt for more than 90 (ninety) calendar days, resulting from loss of working capacity (establishment of Group I or II disability) or death of the Policyholder due to an accident or illness.		 Calculated on the company’s website
Accident insurance ↗ Voluntary
Buy online ↗ 		Accident insurance policies are traditionally purchased by those who objectively run the risk of sustaining some kind of injury, for example, people whose lives involve elevated occupational risk. However, statistics show that no one can fully protect themselves from accidents at work, at school, injuries while performing official duties or during active recreation, or simply from absurd everyday mishaps.
Insurance protection of individuals against accidents provided by JSC "ALFA LIFE INSURANCE" covers the following risks:; injuries and temporary loss of working capacity as a result of an accident;; total loss of working capacity (disability) as a result of an accident;; death as a result of an accident.; Sustaining a traumatic injury that, within 6 months of its occurrence, results in permanent total or partial incapacity for work, confirmed by the required documents, is recognized as an insured event.; Accident insurance rules		 Calculated on the company’s website
Accident insurance for preschool-age children ↗ Voluntary All parents know how hard it is to protect a child from trouble. No matter how much we tell our children about safe behavior, no matter how closely we watch them, children spend a lot of time on playgrounds, in clubs and extracurricular facilities, and this implies lively interaction with peers, running around and active games, and as a result accidents are possible.
Insurance protection for your child provided by JSC «ALFA LIFE INSURANCE» includes the following risks:; traumatic injuries;; permanent damage to health (disability);; serious bodily injuries;; death		 Calculated on the company’s website
Accident insurance for persons engaged in sports ↗ Voluntary
Buy online ↗ 		In sport there is always a risk of injury. You can get hurt at a competition in another city or during an ordinary training session. Insurance gives confidence and comes to the aid of athletes of any age and level. For athletes there are insurance policies valid from 1 day to a year. That is, you can choose an option both for specific competitions and for an entire sports season.
Insurance protection for athletes provided by JSC «ALFA LIFE INSURANCE» includes the following risks:; traumatic injuries;; permanent damage to health (disability);; serious bodily injuries;; death.		 Calculated on the company’s website
Individual life insurance of the borrower ↗ Voluntary Individual life insurance of the borrower from JSC «ALFA LIFE INSURANCE» is a specialized insurance product developed to ensure the financial security of individuals taking on credit obligations. This type of insurance is concluded directly on the borrower and is valid throughout the entire insurance period, providing constant protection against possible unforeseen life situations.
Under the individual borrower life insurance program of JSC «ALFA LIFE INSURANCE», the insured event is:; • Death of the insured person occurring during the term of the insurance contract.; The insured event is recognized regardless of the cause of death, except for cases expressly specified in the insurance rules.; Upon the occurrence of an insured event, JSC «ALFA LIFE INSURANCE» pays the insurance indemnity in the amount of the unpaid portion of the loan, providing financial protection for the borrower's family. This approach makes insurance a reliable instrument of support and confidence — both for the borrower and for their loved ones.		 Calculated on the company’s website

Alskom

Product Description Price
SPORTCHI ↗ Voluntary
Buy online ↗ 		Accident insurance for participants of sporting events under the “Champion” product.
Injuries: payment of 1 to 100% of the sum insured depending on severity; disability: group I - 100%, group II - 80%, group III - 60% of the sum insured; death: 100% of the sum insured to the heirs. The sum insured is selected in the form		 20 000 UZS
INS ↗ Voluntary
Buy online ↗ 		Get this insurance policy and financially protect yourself against injury, disability or death resulting from an accident.
Injuries: from 1% to 100% of the sum insured depending on severity; disability: Group I - 100%, Group II - 80%, Group III - 60%; temporary incapacity for work: the amount depends on the cause and period; death: 100% of the sum insured to the heirs. The sum insured is selected in the form		 20 000 UZS

Apex Insurance

Product Description Price
Accident insurance (24/7) ↗ Voluntary
Buy online ↗ 		Accident insurance provides financial support in case of injury. You can focus on treatment and recovery rather than on expenses. The policy can be issued for one person or for all family members.
Sum insured to choose in the form: from 1 000 000 to 10 000 000 UZS (step 1 000 000 UZS)		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary
Buy online ↗ 		Protection of athletes against injuries and accidents during training and competitions.
Treatment and rehabilitation costs for a sports injury, during training and competitions (when competition coverage is included); «Bronze», «Silver», «Gold» programs; term of 3 months, 6 months or 1 year; not valid abroad		 Calculated on the company’s website

Apex Life Insurance

Product Description Price
Ishonch ↗ Voluntary Long-term life insurance «ISHONCH» is a unified program aimed at providing insurance protection for a long-term period, combining life insurance of the Insured person, the creation of cash savings and the financial stability of the future.
What it covers: Survival of the Insured person (Annuitant) to the date of the annuity payment established by the Insurance contract.; Death of the Insured person during the Insurance period from any cause, except for cases stipulated in the Insurance contract.; Survival of the Insured person to 24 hours 00 min. of the end date of the Insurance period.; Survival of the Insured person to a certain date established by the Insurance contract. | Age of the insured: from 18 to 65 years; Insurance period: at least 370 days; Geography: Republic of Uzbekistan		 Calculated on the company’s website
SARMOYA ↗ Voluntary Long-term life insurance «Sarmoya» is a unified program aimed at providing insurance protection for a long-term period, combining life insurance of the Insured person and the creation of savings protected from the depreciation of funds.
What it covers: Survival of the Insured person to the end of the insurance period; Death of the Insured person during the insurance period | Age of insured persons: from 18 to 65 years; Insurance period: not less than 370 days and not more than 36 months; Geography: Republic of Uzbekistan		 Calculated on the company’s website
OMONAT ↗ Voluntary A savings life insurance program providing the accumulation of savings and financial protection in the event of insured events. The client regularly pays contributions during the term of the contract (12 months or more), building up savings with a guaranteed bonus. In the event of the death of the insured person, the insurance company pays the full sum insured, regardless of the funds actually contributed at the time the event occurs.
What it covers: survival of the insured person to the end of the term; death of the insured person | Age of the insured: 18 to 60 years; Insurance period: from 12 months; Territory: Republic of Uzbekistan		 Calculated on the company’s website
KHAZINA ↗ Voluntary «Xazina» long-term life insurance is a type of insurance that allows the insured person to accumulate the required sum by a certain date and receive a guaranteed income at the end of the insurance program term.
What it covers: 1. Survival of the insured person to the end of the insurance period.; 2. Death of the insured person during the insurance period. | Age of insured persons: from 18 to 60 years; Insurance period: at least 13 months; Geography: Republic of Uzbekistan		 Calculated on the company’s website
FARAVON ↗ Voluntary “FAROVON” is a unified program aimed at providing long-term insurance protection, combining life insurance of the Insured person, building monetary savings and future financial stability. By paying monthly insurance premiums, you can receive monthly payments starting from the second month in the amount of 97% of your monthly premium, while the remaining 3% goes into savings until the age of 60 for subsequent annual insurance benefit payments for life.
What it covers: Survival of the Insured person to the annuity payment date specified in the Contract, for payment of a lifetime annuity; Death of the Insured person before reaching age 60, except for cases stipulated in the Contract. | Insured age: From 18 to 60 years; Insurance period: Lifetime; Geography: Republic of Uzbekistan		 Calculated on the company’s website
Long-term life and health insurance ↗ Voluntary Long-term life and health insurance is a single insurance solution that combines in one policy protection against the most significant risks to life and health. The policy provides financial protection in case of serious illnesses, accidents or loss of working capacity, allowing you to preserve income and cover unforeseen expenses without using personal savings
What it covers: Death for any reason; Onset of Group I disability as a result of illness; Onset of Group I, II or III disability as a result of an Accident; Onset of a critical illness, if it is diagnosed for the first time during the Insurance Period; Traumatic injury of the Insured Person as a result of an Accident; Onset of temporary incapacity for work as a result of an Accident requiring hospitalization or outpatient treatment lasting more than 15 calendar days. | Age of insured persons: From 1 to 60 years; Insurance period: At least 5 years; Geography: Worldwide		 Calculated on the company’s website
Accident insurance ↗ Voluntary An insurance program providing financial protection to the insured person in case of injuries or other consequences of an accident. The policy provides for insurance payouts in case of temporary loss of working capacity, disability or death as a result of an accident. The program helps reduce the financial burden on the insured person and their family when unforeseen situations arise.
What it covers: Death as a result of an accident; Disability as a result of an accident; Injuries (fractures, dislocations, burns, etc.); Temporary loss of working capacity | Coverage territory: Republic of Uzbekistan; Insurance period: up to 365 days of the trip; Insurance age: no age restrictions		 Calculated on the company’s website
Athlete insurance ↗ Voluntary Insurance program for professional and amateur athletes. The policy provides financial protection in case of injuries sustained during training and participation in sports competitions. The insurance provides for payouts in case of accidents that may lead to injuries, temporary loss of working capacity or disability.
What it covers: Accident during training and competitions; Injuries (fractures, dislocations, sprains); Disability as a result of an accident; Death as a result of an accident | Insured age: No age restrictions; Insurance period: Up to 1 year; Coverage territory: Competition territory or training territory		 Calculated on the company’s website
Annuity insurance ↗ The annuity insurance product is a guarantee of social protection for employees. In the event of an injury or occupational disease of an employee requiring payments for more than a year, the insurance company reimburses the employer the amount of compensation. At the same time, the employer is obliged to conclude an annuity contract in order to receive the insurance indemnity under the compulsory employer's civil liability insurance contract (OSGOR), exclusively for paying the insurance premium under the annuity contracts.
Age of insured persons: no age restrictions; Insurance period: at least 12 months.; Geography: Republic of Uzbekistan		 Calculated on the company’s website

Aria Sug‘urta

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		Accident insurance is health protection and financial support in difficult situations. It is impossible to insure against an incident, stress and emotional shock, but it is possible to compensate the consequences through material reimbursement.
Insured events: natural disasters; working with machinery or tools; engaging in sports or taking part in competitions; falling objects; animal attacks; frostbite, burns, electric shock; the effect of other external factors. In case of injury, the payout is made in cash depending on the injuries sustained		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary Playing sports involves increased physical exertion and risks. This type of insurance provides financial protection in unforeseen situations during sports competitions and training.
Injuries during training and sports competitions; harm to health as a result of an accident; disability or death due to an accident; insured event - within the territory and term of the contract		 Calculated on the company’s website

Euroasia Insurance

Product Description Price
Accident insurance for athletes ↗ Voluntary
Buy online ↗ 		A policy for professional athletes and amateurs: 24/7 protection during training, competitions and in everyday life, more than 240 sports.
Payout up to 50 million so‘m; sum insured of your choice from 10 to 50 million so‘m; disability - 60-100% of the sum insured, death - 100% to heirs; injuries - according to the insurance payout table		 Premium = sum insured × 0,5% × sport-type coefficient (from 0,8 for intellectual sports to 10,0 for aircraft sports)
Basic accident insurance ↗ Voluntary
Buy online ↗ 		Universal policy: protection 24 hours a day, 365 days a year - at home, at work, on the road.
Term of 1 year; territory – Uzbekistan; age 1-70 years; coverage starts 3 calendar days after payment (temporary deductible). Death – 100% of the sum insured, Group I disability 80%, Group II 40%, Group III 20%; injuries – as a percentage according to the insurance payment table (example: rib fracture 10%, concussion 10%)		 Calculated on the company’s website

Gross Sug‘urta

Product Description Price
Accident insurance ↗
Buy online ↗ 		Protection in any life situation.
Bodily injuries; attack by criminals or animals; loss of working capacity or temporary incapacity for work; establishment of Group I, II or III disability; death as a result of an accident. A wide range of covered risks, simple processing, guaranteed payouts.		 Calculated on the company’s website
Accident insurance for athletes ↗
Buy online ↗ 		Full protection for professional and amateur athletes.
Injuries sustained during training or competitions; loss of working capacity or disability resulting from sports injuries; death as a result of an accident while engaging in sports. Special terms for athletes, flexibility in choosing the sum insured, fast processing and round-the-clock support.		 Calculated on the company’s website
Scooter rider insurance ↗ Reliable protection for active leisure enthusiasts.
Injuries received while riding a scooter; loss of working capacity or disability as a result of an accident; death resulting from an accident involving a scooter. Special terms for scooter riders, flexibility in choosing the sum insured, quick processing and round-the-clock support.		 Calculated on the company’s website

Hamkor Sug‘urta

Product Description Price
E – Sport ↗ Voluntary Online purchase of accident insurance for athletes. Calculated on the company’s website
Accident ↗ Voluntary Accident insurance is a universal product that includes compensation for harm caused as a result of an accident, on a 24/7/365 basis. The insurance premium is calculated based on the insurance period and is paid by the Client in a single payment. Calculated on the company’s website

Imkon Sug‘urta

Product Description Price
accident insurance ↗ Calculated on the company’s website
accident insurance 24 ↗ Calculated on the company’s website
athlete insurance ↗ Calculated on the company’s website

Impex Insurance

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		Health. Accident insurance with a choice of Standard, Premium or Luxe option; the website promises application in 5 minutes.
Sum insured: Standard - 10 000 000 UZS, Premium - 15 000 000 UZS, Luxury - 20 000 000 UZS		 Insurance premium: Standard - 50 000 UZS, Premium - 75 000 UZS, Luxury - 100 000 UZS (term 1 year)
Accident insurance for couriers ↗ Voluntary
Buy online ↗ 		Health. Accident insurance for couriers with a choice of the Standard, Premium or Luxury option.
Sum insured: Standard - 10 000 000 UZS, Premium - 30 000 000 UZS, Luxury - 60 000 000 UZS		 Insurance premium: Standard - 200 000 UZS, Premium - 600 000 UZS, Luxury - 1 000 000 UZS (term 1 year)
Athlete insurance ↗ Voluntary
Buy online ↗ 		Sport. Insurance of athletes: the type of sport and the start date are selected in the form. Calculated on the company’s website
Experimental sports insurance ↗ Voluntary
Buy online ↗ 		Extreme. Insurance of experimental sports: in the form you select the type of experimental sport and the sum insured.
Sum insured in the form: 10 000 000 UZS and 30 000 000 UZS		 Calculated on the company’s website

Infinity Insurance

Product Description Price
Baxtsiz hodisalardan yakka tartibda sug'urtalash ↗ Voluntary
Buy online ↗ 		Oilangizni himoyalamoqchimisiz? Baxtsiz hodisalardan himoya. Calculated on the company’s website
Sportchilarni baxtsiz hodisalardan sug'urtalash ↗ Voluntary Sportchilarni baxtsiz hodisalardan sug'urtalash Calculated on the company’s website
Baxtsiz hodisalardan jamoaviy sug'urta qilish ↗ Voluntary Baxtsiz hodisalardan jamoaviy sug'urta qilish Calculated on the company’s website

Inson

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		The policy protects against injury, disability or death resulting from an accident.
Coverage amount of your choice: 1, 1,5, 2,5, 3,75, 5, 6,25, 8,75 or 10 mln so‘m. Payouts: injuries - from 1% to 100% of the sum insured depending on severity; Group I disability - 100%, II - 80%, III - 60%; temporary incapacity - by cause and period; death - 100% to heirs		 Calculated on the company’s website
Insurance for children in camps ↗ Voluntary
Buy online ↗ 		Protection of a child against injuries, poisoning, bites and other incidents at camp or on the way there and back.
Injuries, burns, bites, poisoning, drowning, damage from falls, consequences of a road accident on the way to and from the camp, death resulting from these events; coverage amount to choose from: 2.5, 3.75, 5, 6.25, 8.75 or 10 million so‘m		 Calculated on the company’s website
Insurance for children in kindergartens (“Bolajon”) ↗ Voluntary
Buy online ↗ 		Short-term protection, for up to 30 days, of the life and health of a child attending kindergarten against the accidents specified in the contract.
Injuries, burns, frostbite, animal and insect bites, infections (hepatitis, dysentery), a road accident on the way to/from kindergarten, drowning and death of the child; coverage amount of your choice: 5, 9, 10, 15 or 20 million UZS		 Calculated on the company’s website
“Pahlavon” insurance ↗ Voluntary
Buy online ↗ 		Insurance for those who attend a gym, fitness center or sports club; individuals and legal entities can apply.
Only within the physical culture and wellness complex: injuries (minor 1%, moderate 10%, severe 30% of the limit), disability (Group III 30%, Group II 50%, Group I 100%), death (100% of the sum insured less amounts previously paid). Term on the form: 1, 3, 6, 9 or 12 months		 Calculated on the company’s website
Student insurance ↗ Voluntary
Buy online ↗ 		Voluntary life and health insurance for students against accidents during their stay at an educational institution; valid 24/7, including holidays and extracurricular time.
Death, injuries and disability sustained during study, practical training, travel to/from the educational institution and at events of the educational institution; payment for injuries from 1% to 100% of the sum insured; coverage amount of your choice: 5, 9, 10, 15 or 20 million UZS-so‘m		 Calculated on the company’s website

Kafil Sug‘urta

Product Description Price
Accident ↗
Buy online ↗ 		A reliable way to protect yourself and your loved ones. It will provide you and your loved ones with reliable insurance protection in the event of unforeseen health-related circumstances.
Bodily injuries; Attack by criminals or animals; Loss of working capacity or temporary incapacity for work; Establishment of group I or II disability; Death as a result of an accident		 Calculated on the company’s website
Happy Family ↗
Buy online ↗ 		The «HAPPY FAMILY» program is designed for comprehensive protection of all family members against accidents. This insurance product provides financial support in the event of injuries, illnesses, temporary loss of working capacity or other unforeseen situations related to the life and health of the insured persons. The insurance extends to all family members, giving them confidence and protection in everyday life.
Injuries sustained as a result of an accident; Temporary loss of working capacity; Establishment of disability; Death as a result of an accident		 Calculated on the company’s website
Athletes ↗ Voluntary
Buy online ↗ 		The voluntary athlete accident insurance program is designed to protect professional and amateur athletes against the risks of injuries and other accidents during training and competitions. This insurance product provides financial support in the event of injury, loss of working capacity or other unforeseen situations related to participation in sporting events.
Injuries sustained during training or competitions; Temporary or permanent loss of working capacity; Compensation of medical expenses for treatment; Death as a result of an accident		 Calculated on the company’s website
Event spectators ↗
Buy online ↗ 		The program of accident insurance for spectators at sports and cultural institutions is designed to protect visitors from risks associated with unforeseen events while attending sporting events, concerts, theaters and other mass events. This insurance product provides financial support in the event of injuries or other adverse health consequences that may result from an accident on the premises of the institution.
Injuries sustained at sports or cultural events; Temporary loss of working capacity due to an accident; Compensation of medical expenses for treatment; Death as a result of an accident		 Calculated on the company’s website
Tourists in a hotel ↗
Buy online ↗ 		This insurance program is designed to protect tourists staying in hotels from accidents. It provides financial compensation in case of injuries, illnesses or other unforeseen situations that may occur during a stay at the hotel. The insurance helps to cover medical expenses and other losses related to accidents.
Injuries sustained as a result of an accident; Temporary loss of working capacity; Compensation of medical expenses; Death as a result of an accident		 Calculated on the company’s website
Children on holiday ↗
Buy online ↗ 		When your children are on vacation in health camps, boarding houses and other places during school holidays, our insurance service guarantees their safety and health. This insurance provides medical care and financial protection in the event of unforeseen incidents or health problems.
Payment of medical expenses related to health problems during a holiday; Coverage of the costs of emergency medical care; Financial assistance in the event of other emergencies at holiday destinations		 Calculated on the company’s website
Bus passengers ↗
Buy online ↗ 		Our insurance service for intercity bus passengers provides financial protection in the event of accidents on the road. This insurance is aimed at ensuring passenger safety and compensating expenses in emergencies.
Payouts for injuries sustained as a result of road accidents; Medical expenses related to hospitalization and treatment; Additional payments for the treatment of injuries sustained as a result of an insured event; 		Calculated on the company’s website

Kafolat Hayot Insurance

Product Description Price
Long-term life and health insurance ↗ Voluntary Fundamental protection of life and health for a term of up to 20 years. Guaranteed financial support in case of critical illness, disability or loss of working capacity worldwide.
Additional information (the insurance coverage includes the following risks): - death of the Insured person from any cause; - establishment of group I disability from any cause; - establishment of group II or III disability as a result of an accident; - a critical illness diagnosed for the first time during the term of the contract (in accordance with the approved list); - temporary loss of working capacity due to an accident that resulted in hospitalization or outpatient treatment lasting more than 15 calendar days.		 Calculated on the company’s website
Accident insurance ↗ Voluntary Guaranteed financial support in case of injuries, loss of working capacity or accidents. Reliable protection of your income and family well-being throughout the territory of Uzbekistan.
Insured events are recognized as events that occurred as a result of an accident, including industrial injuries (unless otherwise provided by the insurance contract), and that entailed: 1. traumatic injuries and/or other impairment of the health of the insured person, including with temporary loss of working capacity or reduction of income - if the contract contains the corresponding condition. 2. persistent impairment of health (establishment of disability). 3. death of the insured person.		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary Professional insurance protection for athletes and amateurs in more than 70 sports. Reliable financial support in case of injuries during competitions and training throughout Uzbekistan.
Additional information (insurance coverage includes): - death of the Insured person as a result of an accident — 100% of the sum insured; - temporary loss of working capacity due to an accident. | The following are recognized as insured events: The following are recognized as insured events - traumatic injury and/or other health disorder; - death of the Insured person.		 Calculated on the company’s website

Kafolat Sug‘urta

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

Mosaic Insurance Group

Product Description Price
Accident insurance ↗ Voluntary Group accident insurance makes it possible to compensate an employee’s forced loss of income resulting from accidents.
Payment as a percentage of the sum insured according to the “Insurance Compensation Scale”: death - 100%; disability of group 3 - 50%, group 2 - 75%, group 1 - 100%		 Calculated on the company’s website

My-Insurance

Product Description Price
“TEZKOR” insurance ↗ Voluntary
Buy online ↗ 		“TEZKOR” product. Comprehensive insurance of individuals who are employees of organizations and enterprises, as well as their property.
Accident (injuries, disability of group I or II, death): minimum sum insured 20 000 000 UZS, payouts 5% - temporary incapacity for work, 50% / 75% - disability of group II / I, 100% - death. Property other than vehicles (fire, flooding, mechanical damage, actions of third parties, natural disasters): minimum sum insured 25 000 000 UZS. Vehicles (road traffic accident, fire, theft, natural disasters, unlawful acts): minimum sum insured 30 000 000 UZS		 Calculated on the company’s website
Athlete insurance ↗ Voluntary
Buy online ↗ 		Athlete insurance is a specialized insurance program that provides protection against the risks associated with playing sports. Whether sport is your hobby or your profession, an athlete insurance policy covers injuries and accidents that may occur during training and competitions.
Traumatic injuries sustained while participating in sports competitions and training; disability; death. Suitable for professionals and amateurs		 Calculated on the company’s website
Accident insurance ↗ Voluntary
Buy online ↗ 		Accident insurance is a reliable way to protect yourself and your loved ones from unforeseen health-related circumstances. The policy provides financial protection in case of bodily injury, loss of working capacity, disability and death as a result of an accident.
Bodily injuries; attack by criminals or animals; loss of working capacity or temporary incapacity for work; establishment of group I or II disability; death as a result of an accident		 Calculated on the company’s website
Accident insurance for students ↗ Voluntary Student accident insurance provides financial protection in case of injury, disability or death resulting from unforeseen events. The insurance applies to students of universities, colleges and lyceums.
Injuries (fractures, burns, damage); disability; death as a result of an accident; animal bites and attacks; natural disasters; falls, blows, household accidents; road traffic accidents. Not covered: illnesses, intoxication, intentional self-harm, military actions, professional sport, events outside Uzbekistan. Insurance term - 1 year		 Calculated on the company’s website
Comprehensive insurance of persons staying in a hotel ↗ Voluntary Insurance for guests staying at a hotel is comprehensive protection against unforeseen situations during the stay. The policy covers not only injuries and the consequences of accidents, but also liability for possible damage caused to the hotel's property.
Bodily injuries (fractures, burns, etc.); accidents (falls, blows, poisoning); natural and unforeseen events; disability; death as a result of an accident; damage to hotel property. Valid for the entire period of stay		 Calculated on the company’s website

Neo Insurance Corp

Product Description Price
Accident ↗ Voluntary
Buy online ↗ 		Accident insurance is guaranteed protection against injury, disability or death resulting from an accident. The policyholder pays the insurance premium, and NEO INSURANCE undertakes to pay a certain sum when an insured event occurs.
Injuries: the payout amount depends on the severity of the injury and can range from 1 to 100% of the sum insured. Disability: Group I – 100% of the sum insured, Group II – 80% of the sum insured, Group III – 60% of the sum insured. Death: the heirs of the insured person will receive a payout of 100% of the sum insured. The policy can be purchased for 1 year.		 Calculated on the company’s website
Accident insurance for teachers ↗ Voluntary
Buy online ↗ 		Accident insurance is guaranteed protection against injury, disability or death resulting from an accident. The policyholder pays the insurance premium, and NEO INSURANCE undertakes to pay a certain sum when an insured event occurs.
Injuries: the payout amount depends on the severity of the injury and can range from 1 to 100% of the sum insured. Disability: Group I – 100% of the sum insured, Group II – 80% of the sum insured, Group III – 60% of the sum insured. Death: the heirs of the insured person will receive a payout of 100% of the sum insured. The policy can be purchased for 1 year.		 Calculated on the company’s website
Accident insurance for students ↗ Voluntary
Buy online ↗ 		Accident insurance is guaranteed protection against injury, disability or death resulting from an accident. The policyholder pays the insurance premium, and NEO INSURANCE undertakes to pay a certain sum when an insured event occurs.
Injuries: the payout amount depends on the severity of the injury and can range from 1 to 100% of the sum insured. Disability: Group I – 100% of the sum insured, Group II – 80% of the sum insured, Group III – 60% of the sum insured. Death: the heirs of the insured person will receive a payout of 100% of the sum insured. The policy can be purchased for 1 year.		 Calculated on the company’s website
Accident insurance for drivers ↗ Voluntary
Buy online ↗ 		Accident insurance is guaranteed protection against injury, disability or death resulting from an accident. The policyholder pays the insurance premium, and NEO INSURANCE undertakes to pay a certain sum when an insured event occurs.
Injuries: the payout amount depends on the severity of the injury and can range from 1 to 100% of the sum insured. Disability: Group I – 100% of the sum insured, Group II – 80% of the sum insured, Group III – 60% of the sum insured. Death: the heirs of the insured person will receive a payout of 100% of the sum insured. The policy can be purchased for 1 year.		 Calculated on the company’s website
Athlete insurance ↗ Voluntary
Buy online ↗ 		Athlete insurance is guaranteed protection against injury, disability or death resulting from an accident while playing sports, as well as during professional sports competitions. The athlete buys an insurance policy, and NEO INSURANCE undertakes to pay a certain amount if an insured event occurs to the athlete.
Injuries: from 1 to 100% of the sum insured. Disability: group I - 100%, group II - 80%, group III - 60% of the sum insured. Death: 100% of the sum insured. Any type of sport and a configurable coverage amount.		 Auto and motorsport, policy cost: 10 days - 30 000 UZS; 20 days - 40 000; 1 month - 50 000; 6 months - 250 000; 1 year - 500 000 UZS
Children insurance (Neo Kids) ↗ Voluntary
Buy online ↗ 		Neo Kids is a comprehensive program for protecting a child's health and life. It covers risks both in everyday life (at home, at school, on the street) and during sports, training and competitions. The program includes insurance against accidental injuries, provides access to medical care and helps parents feel at ease about their child's safety in any situation.
Neo Kids: accidents 5 000 000 UZS; infectious diseases 5 000 000 UZS; emergency medical and urgent care - included. Neo Kids Sport: sports accidents 5 000 000 UZS; operations after accidents 5 000 000 UZS; rehabilitation and recovery 1 000 000 UZS.		 Neo Kids 50 000 UZS; Neo Kids Sport 100 000 UZS
Mehr nuri ↗ Voluntary
Buy online ↗ 		Protection for children with special needs. 20% of the policy cost will go to donations for those in need.
Injuries and bodily harm - up to 100 000 000 UZS; disability - up to 80 000 000 UZS; payout on death - up to 100 000 000 UZS.		 200 000 UZS (of which a donation of 20%: 40 000 UZS)
Accident insurance (for business) ↗ Voluntary Accident insurance is financial protection in situations involving unforeseen incidents that may lead to injury, loss of working capacity, disability or death. The policy provides compensation for the insured person or their relatives.
Physical injuries; disability; death (payment of the sum insured to heirs or beneficiaries); temporary loss of income; additional medical expenses (medicines, surgeries, rehabilitation, ambulance, transportation).		 Calculated on the company’s website

O‘zagrosug‘urta

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		Sug'urtalangan shaxsning hohish irodasiga bog'liq bo'lmagan holda kutilmagan hodisalar natijasida tananing jarohatlanishi, jarohatlanish natijasida tana a'zolarini ishlash funktsiyasini o'zgarishi yoki o'limga olib keluvchi hodisalar.
Bodily injuries, changes in organ functions and death resulting from unforeseen events beyond the insured person's will		 Calculated on the company’s website
Family accident insurance ↗ Voluntary
Buy online ↗ 		Sugʻurtalangan jismoniy shaxslarning(oila a’zolari) sogʻligʻiga bogʻliq sug‘urta hodisalari
Insured events related to the health of insured individuals (family members)		 Calculated on the company’s website
Accident insurance for students ↗ Voluntary
Buy online ↗ 		Sugʻurtalangan shaxslar olgan shikastlanishi tufayli Sugʻurta pulini maʼlum qismini, vafot etganda esa vorislariga yoki Sugʻurta qildiruvchiga toʻliq Sugʻurta pulini toʻlash majburiyatini keltirib chiqaradigan baxtsiz hodisa natijasida Sugʻurtalangan shaxslarni sogʻligʻiga zarar yetishi yoki ularning vafot etishi
In case of injury, part of the sum insured is paid; in case of death, the entire sum insured is paid to the heirs or the policyholder		 Calculated on the company’s website
Accident insurance for pupils ↗ Voluntary
Buy online ↗ 		Sugʻurtalangan o‘quvchilarni hohish irodasiga bogʻliq boʻlmagan holda ularning tanasini jarohatlanishiga, tana aʼzolarini ishlash funksiyasini oʻzgarishiga yoki oʻlimiga olib keluvchi tabiatda boʻladigan hodisalar natijasida kelib chiqqan shikastlanish (mayiblanish)lar yoki oʻlim hisoblanadi.
Injuries, changes in organ function or death of pupils as a result of an accident		 Calculated on the company’s website
Comprehensive insurance of persons staying in a hotel ↗ Voluntary
Buy online ↗ 		Sugʻurta qildiruvchining hayoti va sogʻligʻiga bogʻliq qonunlarga zid kelmaydigan mulkiy manfaatlari hamda Sugʻurta qildiruvchining mehmonxona oldidagi fuqarolik javobgarligi.
Property interests related to the life and health of the guest, and the guest's civil liability to the hotel		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary
Buy online ↗ 		Sugʻurtalangan shaxsning sport musobaqalari yoki mashgʻulotlar oʻtayotgan paytda baxtsiz hodisa tufayli jarohatlanishi hamda o‘limi.
Injury or death of an athlete during competitions or training		 Calculated on the company’s website
Accident insurance for participants of mass events ↗ Voluntary
Buy online ↗ 		Sug‘urtalangan shaxsning ommaviy tadbir paytida sodir bo‘lgan baxtsiz hodisalar oqibatida shikastlanishi (mayib boʻlishi) yoki oʻlimi.
Injury or death of the insured person during a mass event		 Calculated on the company’s website

O‘zbekinvest Hayot Sug‘urta

Product Description Price
Life insurance ↗ Voluntary Life insurance is a program that will protect our loved ones from the possible financial difficulties a family may face due to the death of the breadwinner. In the event of the death of the Insured person, the Insurance Company will pay the Beneficiaries (heirs) the sum insured, which is especially needed in such difficult and unexpected moments.
1. Insurance period – from 2 to 20 years; | 2. The sum insured is determined by the policyholder (the client), after which the insurance company calculates the insurance premium. The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | 3. Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | 4. The sum insured is paid in the event of death of the insured person (insured event) to the beneficiary designated by the insured person or to the heirs of the insured; | 5. Age of insured persons – from 18 to 60 years, maximum age at the end date of the insurance term – 65 years.		 Calculated on the company’s website
Accident insurance ↗ Voluntary Life is full of events and urgent matters, and all sorts of things can happen. For exactly such unforeseen situations we offer an accident insurance product. Even a minor injury entails the expense of visiting a doctor and buying medication and, sometimes – if the injury is more serious – a long stay on sick leave.
This policy includes coverage in the event of traumatic injuries (or other impairment of the health of the Insured Person, including that which resulted in a temporary reduction of income, if such a condition is provided for in the Insurance Contract), persistent damage to health (disability) or death of the Insured Person. Upon the occurrence of an insured event, the insurance company makes an insurance payment as a percentage of the insured sum depending on the severity of the injury. Naturally, the higher the insured sum chosen when purchasing the policy, the larger the payouts will be, even for minor injuries.		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary Sport is a field of activity that, one way or another, involves the possibility of sustaining injuries. The athlete accident insurance product is aimed at protecting the material interests of persons engaged in sports on a professional basis. The athlete accident insurance policy provides insurance coverage for the duration of competitions or training sessions (training camps).
This policy covers traumatic injuries, harm to health or death of the insured person. When an insured event occurs, the insurance company makes an insurance payment as a percentage of the sum insured, depending on the severity of the injury. Naturally, the higher the sum insured chosen when purchasing the policy, the larger the payouts will be, even for minor injuries.		 Calculated on the company’s website
Individual life insurance of the borrower ↗ Voluntary Insurance contracts are concluded with individuals who are sole borrowers under a loan agreement.
The insurance period is determined in accordance with the term of the loan agreement; | Age of insured persons – 18 — 60 years, maximum age at the end date of the insurance term – 65 years. | The sum insured is determined in accordance with the loan amount. As the insured person repays the loan, the sum insured decreases and corresponds to the insured person's outstanding principal debt. | The insurance premium may be paid in a lump sum or annually; | The sum insured is paid to the credit institution in the event of death or the assignment of Group I disability of the insured person as a result of an accident (insured event);		 Calculated on the company’s website
Ta‘lim ↗ Voluntary This type of insurance will help you solve the question of securing funds by the time your child (or you yourself) enters an educational institution, regardless of any unforeseen circumstances that may occur. Reliable insurance protection is provided throughout the entire insurance term, and if the family loses its breadwinner (the Policyholder), the child will still receive the agreed amount by the time of entering the educational institution and will be provided with the necessary funds.
Insurance period – from 13 months to 20 years; | The amount of the Sum insured is determined by the Policyholder (client), after which the Insurance company calculates the Insurance premium. The amount of the Insurance premium depends on the Sum insured, the age of the Insured person, the insurance period and the payment schedule of contributions. | Contributions can be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid upon (insured events): | — the child's admission to an educational institution (university, vocational college, academic lyceum, school); | — the child reaching the age specified in the Insurance policy (if the child was unable to enter within the specified period). | The amount of the sum insured in the above cases equals the total of all contributions paid plus an additional bonus from the Company. | Additional coverage for the Parent: | If during the insurance period the Parent dies and is unable to pay all the agreed contributions, the Insurance company will still pay the entire amount that was to be paid by the Parent (without the bonus). | Age of Parents – 18 — 60 years, maximum age at the end date of the insurance term – 65 years.		 Calculated on the company’s website
Nikoh ↗ Voluntary This type of insurance will help you resolve the question of providing financial means by the time your child (or you yourself) gets married, regardless of unforeseen circumstances that may occur. Throughout the entire insurance term reliable insurance protection is provided, and even if the family loses its breadwinner (the policyholder), the child will still receive the agreed sum by the time of the wedding and will be provided with the necessary funds.
Insurance period – from 13 months to 20 years; | The amount of the Sum insured is determined by the Policyholder (client), after which the Insurance company calculates the Insurance premium. The amount of the Insurance premium depends on the Sum insured, the age of the Insured person, the insurance period and the payment schedule of contributions. | Contributions can be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid upon (insured events): | — the child's marriage; | — the child reaching the age specified in the Insurance policy (if the child married within the specified period). | The amount of the sum insured in the above cases equals the total of all contributions paid plus an additional bonus from the Company. | Additional coverage: | — If during the insurance period the Parent dies or becomes disabled (Group I) and is unable to pay all the agreed contributions, the Insurance company will still pay the entire amount that was to be paid by the Parent (without the bonus); | — At the client's request, accident coverage for both the Parent and the Child may also be included in the insurance terms. | Age of Parents – 18 — 60 years, maximum age at the end date of the insurance term – 65 years.		 Calculated on the company’s website
Bonus ↗ Voluntary Long-term life insurance with a bonus payment is a unified program aimed at providing insurance protection for a long-term period. The main essence of life insurance with a bonus payment is to provide reliable insurance protection combined with the opportunity to build monetary savings and ensure future financial stability.
Insurance period – from 13 months to 20 years; | The sum insured is determined by the policyholder (the client), after which the insurance company calculates the insurance premium; The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions. | Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid in the event of (insured events): | survival until the end of the contract term; | death of the insured person; | Age of insured persons — from 18 to 60 years, maximum age at the end date of the insurance term — 65 years.		 Calculated on the company’s website
Sarmoya ↗ Voluntary The «Sarmoya» insurance product is a unified program whose main purpose is to build up monetary savings and ensure future financial stability.
Insurance period – from 13 months to 20 years; | The sum insured is determined by the insured person (the client), after which the insurance company calculates the insurance premium; | The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly. | The sum insured is paid: | upon survival of the insured person (the beneficiary) until the end of the contract term. | Age of insured persons — from 18 to 60 years, maximum age at the end date of the insurance term — 65 years.		 Calculated on the company’s website
Farovon ↗ Voluntary The "Farovon" insurance product is a unified program aimed at providing insurance protection for a long-term period. The main essence of the "Farovon" insurance product is to provide reliable insurance protection combined with the opportunity to build up savings and ensure future financial stability.
Insurance period – 370 days; | The sum insured is determined by the insured person (the client), after which the insurance company calculates the insurance premium; | The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | The sum insured is paid in the event of: | survival of the insured person (the beneficiary) until the end of the contract term; | death of the insured person during the insurance period from any cause, except for cases specified in the Insurance Rules; | Age of insured persons – from 18 to 60 years, maximum age at the end date of the insurance term – 65 years.		 Calculated on the company’s website
Daromad ↗ Voluntary The «Daromad» insurance product is a long-term insurance programme with a savings component. By purchasing this product, you get reliable insurance protection and the opportunity to build up a cash fund without straining the family budget.
1. Insurance period – 370 days; | 2. The amount of the sum insured is determined by the Insured person (client), after which the Insurance company calculates the insurance premium; | 3. The amount of the Insurance premium/Contributions is set based on the amount of the Sum insured and the frequency of contribution payments; | 4. The insurance premium may be paid as a lump sum or periodically, by making insurance contributions monthly, as agreed between the Policyholder and the Insurer: | • When insurance contributions are paid monthly, the bonus on the total insurance premium is 4% | • When insurance contributions are paid as a lump sum, the bonus on the total insurance premium is 7% | 5. The sum insured is paid: | • if the Insured person (Beneficiary) survives to the end of the contract term. In this case, the sum insured equals the sum of all contributions paid plus an additional bonus from the Insurance company. | • In the event of death, the sum insured equals 95% of the sum of insurance contributions actually paid.		 Calculated on the company’s website

Semurg Insurance

Product Description Price
Bolalarni sug'urtalash ↗ Voluntary Bolalar uchun baxtsiz hodisadan sug'urta — maktabda, sport to'garagida va uyda yuz berishi mumkin bo'lgan jarohatlar qoplanadi.
Jarohat; Tibbiy xarajatlar; Reabilitatsiya		 Calculated on the company’s website
Mehr nuri ↗ Voluntary Mehr nuri — Semurg Insurance'ning maxsus ehtiyojli bolalarni qo'llab-quvvatlash dasturi.
Tibbiy xarajatlar; Reabilitatsiya		 Calculated on the company’s website
Baxtsiz hodisadan sug'urta ↗ Voluntary Baxtsiz hodisadan sug'urta — jarohat, nogironlik yoki vaqtincha mehnatga layoqatsizlik holatlarida moliyaviy himoya.
Nogironlik; Vaqtincha mehnatga layoqatsizlik; Tibbiy xarajatlar; Oila himoyasi		 Calculated on the company’s website
Sportchilar sug'urtasi ↗ Voluntary Professional va havaskor sportchilar uchun — mashg'ulot va musobaqa paytidagi jarohatlar, davolanish va reabilitatsiya xarajatlari.
Jarohat; Reabilitatsiya; Tibbiy xarajatlar		 Calculated on the company’s website

SQB Insurance

Product Description Price
Athlete insurance ↗ Voluntary
Buy online ↗ 		Keep moving! A special insurance policy for athletes Calculated on the company’s website
Accident insurance ↗ Voluntary
Buy online ↗ 		Accident insurance provides financial protection in case of injuries, disability or other consequences of an accident
The sum insured is selected in the form with a slider: from 4 000 000 to 50 000 000 UZS		 Calculated on the company’s website

TBC Sug‘urta

Product Description Price
Voluntary individual life insurance of a borrower (credit insurance) ↗ Voluntary We provide insurance services for loans issued at TBC Bank. If you have insured your loan and an insured event occurs, TBC Sug'urta will pay the insured amount to the bank in accordance with the terms of the contract.
Insured events under the public offer dated 12.06.2026: establishment of Group I disability as a result of an accident during the insurance period; death of the insured person for any reason (except for the exclusions of section 6 of the offer). The beneficiary is the bank or microfinance organization that issued the loan; the payout goes to it. The insured person is a legally capable individual aged 18-75 on the insurance start date; territory - worldwide; insurance term - one year or more (as per the policy). The insurance is full (for the entire amount of obligations under the loan agreement) or partial; the insurance premium is paid in a single payment for the entire term.		 Calculated on the company’s website

Temiryo‘l-Sug‘urta

Product Description Price
Accident insurance ↗ Voluntary Accident insurance is a simple and effective way to protect yourself and your family, giving peace of mind and confidence in tomorrow.
Compensation of expenses in the event of an accident affecting life and health; the sums insured and the set of risks are chosen by the policyholder		 Calculated on the company’s website

Trust Insurance

Product Description Price
Family accident insurance ↗ Voluntary
Buy online ↗ 		Family accident insurance Calculated on the company’s website
Accident insurance for schoolchildren ↗ Voluntary
Buy online ↗ 		Accident insurance for schoolchildren Calculated on the company’s website
Accident insurance for students ↗ Voluntary
Buy online ↗ 		Accident insurance for students Calculated on the company’s website
Accident insurance for spectators in sports, cultural and entertainment complexes ↗ Voluntary
Buy online ↗ 		Accident insurance for spectators in sports, cultural and entertainment complexes Calculated on the company’s website
Accident insurance for persons (tourists) staying in a hotel ↗ Voluntary
Buy online ↗ 		The object of insurance is property interests, not contrary to the legislation of the Republic of Uzbekistan, related to the life and health of the policyholder (the insured person), as well as other property interests of the policyholder related to the risk of loss, shortage or damage of their property.
(A) Death or harm to health in the hotel building: bruise, wound, dislocation, fracture, rupture of muscles and ligaments, damage to internal organs, burn, electric shock, crushing, drowning, loss of teeth, rupture of the eardrum, eye injury, bite of poisonous insects (confirmed by a certificate from a medical institution). (B) Property: loss or damage as a result of fire, explosion, natural disasters (earthquake, flood, mudflow, landslide, avalanches, downpours, hurricane), burglary		 Calculated on the company’s website
Accident insurance for athletes ↗ Voluntary
Buy online ↗ 		Protect your talent and passion for sport with our accident insurance for athletes! The object of insurance is well-being related to life and health while playing sports.
Injuries, fractures, burns and other damage during sports events; accidental poisoning, illnesses; death from an accident, as well as drowning, anaphylactic shock, heat stroke and hypothermia. Documents: application form, identity document		 Calculated on the company’s website
Accident insurance for individuals ↗ Voluntary
Buy online ↗ 		Secure your life with reliable accident insurance. Coverage for residents, foreign citizens and stateless persons in the Republic of Uzbekistan. Application: an application form and an identity document.
Insured events: persistent health impairment resulting from injury or acute poisoning; fractures, dislocations, ruptures and damage; death from causes specified in the policy		 Calculated on the company’s website

Xalq Sug‘urta

Product Description Price
Accident insurance ↗ Voluntary
Buy online ↗ 		The Company provides insurance protection 24 hours a day (or only during working hours) to the Policyholder’s employees AGAINST ACCIDENTS.
Injury: a percentage of the sum insured according to the «Table of insurance payments» of the contract; disability of group 1: 100%, group 2: 75%, group 3: 60% of the sum insured; death: 100% of the individual sum insured; the total amount of payments per person for the insurance period does not exceed that person's sum insured		 Calculated on the company’s website
Group accident insurance ↗ Voluntary The Company provides insurance protection 24 hours a day (or only during working hours) to the Policyholder's employees AGAINST ACCIDENTS that occurred during the Insurance Period and within the insurance territory and resulted in traumatic injuries and/or other health disorders, permanent total loss of general working capacity (disability), or death.
Injury: a percentage of the sum insured according to the «Table of insurance payments» of the contract; disability of group 1: 100%, group 2: 75%, group 3: 60% of the sum insured; death: 100% of the individual sum insured; the total amount of payments per person for the insurance period does not exceed that person's sum insured		 Calculated on the company’s website
“My Family” accident insurance ↗ Voluntary
Buy online ↗ 		The company provides insurance protection against accidents 24 hours a day to all insured family members.
Traumatic injuries and/or other health disorders - as a percentage of the sum insured under the contract's «Table of Insurance Payments»; death - 100% of the personal sum insured; the total payments per person for the insurance period do not exceed their sum insured		 Calculated on the company’s website

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Frequently asked questions

Which companies offer life and accident insurance?

28 insurance companies describe such products on their websites: Agros Hayot Sug‘urta, Alfa Invest Sug‘urta, Alfa Life Insurance, Alskom, Apex Insurance, Apex Life Insurance, Aria Sug‘urta, Euroasia Insurance, Gross Sug‘urta, Hamkor Sug‘urta, Imkon Sug‘urta, Impex Insurance, Infinity Insurance, Inson, Kafil Sug‘urta, Kafolat Hayot Insurance, Kafolat Sug‘urta, Mosaic Insurance Group, My-Insurance, Neo Insurance Corp, O‘zagrosug‘urta, O‘zbekinvest Hayot Sug‘urta, Semurg Insurance, SQB Insurance, TBC Sug‘urta, Temiryo‘l-Sug‘urta, Trust Insurance, Xalq Sug‘urta.

How much does life and accident insurance cost?

A price or rate is published for 8 of 120 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 life and accident insurance online?

19 insurance companies have a link to buy at least one such product online: Agros Hayot Sug‘urta, Alfa Invest Sug‘urta, Alfa Life Insurance, Alskom, Apex Insurance, Aria Sug‘urta, Euroasia Insurance, Gross Sug‘urta, Impex Insurance, Infinity Insurance, Inson, Kafil Sug‘urta, Kafolat Sug‘urta, My-Insurance, Neo Insurance Corp, O‘zagrosug‘urta, SQB Insurance, Trust Insurance, Xalq Sug‘urta.