SHAXSIY SUG‘URTANING INNOVATSION MAHSULOTLARINI RIVOJLANTIRISH VA  ULARNING AHOLI QAMROVINI KENGAYTIRISH

Xolbibi Isayeva

doi:10.68549/a7ak9w38

Mualliflar

Xolbibi Isayeva Toshkent davlat iqtisodiyot universiteti mustaqil tadqiqotchisi. Muallif

##semicolon##

https://doi.org/10.68549/a7ak9w38

##semicolon##

shaxsiy sug‘urta, innovatsion sug‘urta mahsulotlari, InsurTech, aholi qamrovi, sug‘urta inklyuzivligi, mikrosug‘urta, parametrik sug‘urta, talab bo‘yicha sug‘urta, sug‘urta savodxonligi, sug‘urtaga ishonch, raqamli kanallar.

Abstrak

Maqolada shaxsiy sug‘urtaning innovatsion mahsulotlarini rivojlantirish va ular orqali aholi qamrovini kengaytirish masalalari tadqiq etilgan. Tadqiqotda ilmiy manbalarning tizimli sharhi, O‘zbekiston sug‘urta bozorining 2012–2025-yillardagi statistik tahlili hamda 10 ta mamlakat empirik tadqiqotlari natijalarining qiyosiy tahlilidan foydalanilgan. Natijalar O‘zbekistonda yalpi sug‘urta mukofotlari 2025-yilda 13,46 trln so‘mga yetganini, biroq hayot sug‘urtasining ulushi 4,4 foiz, sug‘urtaning YaIMdagi ulushi esa 0,73 foiz darajasida qolganini ko‘rsatdi. Tahlillar aholining shaxsiy sug‘urtaga jalb etilishi darajasi mahsulotning ehtiyojga qanchalik mosligiga, tarqatish kanalining qulayligiga va sug‘urtalovchiga bo‘lgan ishonchga bog‘liq ekanini, ular orasida ishonch hal qiluvchi omil ekanini aniqladi. Tadqiqot natijasida mahsulot, kanal, savodxonlik, ishonch va madaniy moslik mexanizmlarini o‘z ichiga olgan aholi qamrovini kengaytirish modeli hamda mikrosug‘urta, parametrik va talab bo‘yicha sug‘urtani joriy etishga oid amaliy takliflar ishlab chiqilgan.

Yuklashlar

Yuklab olish maʼlumotlari hali mavjud emas.

##submission.citations##

 1. Alkhazaleh A. M. K. Determinants of InsurTech adoption in Jordan: Trust, risk, and regulatory protection // Insurance Markets and Companies. — 2026. — Vol. 17, no. 1. — P. 36–50. — DOI: 10.21511/ins.17(1).2026.03.

2. Amala S., Poornima A. S. Digital insurance adoption and financial inclusion among urban consumers in Chennai: Mediating effects of awareness, digital literacy, and trust // Insurance Markets and Companies. — 2026. — Vol. 17, no. 2. — P. 122–146. — DOI: 10.21511/ins.17(2).2026.09.

3. Braun A., Jia R. InsurTech: Digital technologies in insurance // The Geneva Papers on Risk and Insurance — Issues and Practice. — 2025. — Vol. 50, no. 1. — P. 1–7. — DOI: 10.1057/s41288-024-00344-x.

4. Chang H., Schmeiser H. Risk attitudes towards on-demand insurance: An experimental study // The Geneva Papers on Risk and Insurance — Issues and Practice. — 2025. — Vol. 50, no. 1. — P. 106–141. — DOI: 10.1057/s41288-024-00335-y.

5. Cole S., Giné X., Tobacman J., Topalova P., Townsend R., Vickery J. Barriers to household risk management: Evidence from India // American Economic Journal: Applied Economics. — 2013. — Vol. 5, no. 1. — P. 104–135. — DOI: 10.1257/app.5.1.104.

6. Cosma S., Rimo G. Redefining insurance through technology: Achievements and perspectives in InsurTech // Research in International Business and Finance. — 2024. — Vol. 70. — Art. 102301. — DOI: 10.1016/j.ribaf.2024.102301.

7. Dragoş S. L., Mare C., Dragotă I.-M. The nexus between the demand for life insurance and institutional factors in Europe: New evidence from a panel data approach // Economic Research — Ekonomska Istraživanja. — 2017. — Vol. 30, no. 1. — P. 1477–1496. — DOI: 10.1080/1331677X.2017.1325764.

8. Eling M., Pradhan S., Schmit J. T. The determinants of microinsurance demand // The Geneva Papers on Risk and Insurance — Issues and Practice. — 2014. — Vol. 39, no. 2. — P. 224–263. — DOI: 10.1057/gpp.2014.5.

9. Geneva Association. Insurance as a Core Element of Financial Inclusion in Emerging Economies / K.-U. Schanz. — Geneva: The Geneva Association, 2025. — URL: https://www.genevaassociation.org/publication/financial-inclusion/insurance-core-element-financial-inclusion-emerging-economies

10. Hou Z. K., Xu J., Choi Y., Ma Y. The impact of digital financial inclusion on household commercial insurance for sustainable governance mechanisms under regional group differences // Sustainability. — 2024. — Vol. 16, no. 9. — Art. 3596. — DOI: 10.3390/su16093596.

11. Kaur P., Singh M. Exploring the impact of InsurTech adoption in Indian life insurance industry: A customer satisfaction perspective // The TQM Journal. — 2025. — Vol. 37, no. 2. — P. 457–483. — DOI: 10.1108/TQM-06-2023-0186.

12. Khalikulova G., Mirzaliev S., Nomozov K., Khalikulova Sh., Xodjaraxmanova N. Strategies for enhancing innovation in the insurance industry through digital transformation // Proceedings of the 8th International Conference on Future Networks & Distributed Systems (ICFNDS ’24). — 2024. — P. 1014–1023. — DOI: 10.1145/3726122.3726270.

13. Kiwanuka A., Sibindi A. B. Insurance inclusion in Uganda: Impact of perceived value, insurance literacy and perceived trust // Journal of Risk and Financial Management. — 2023. — Vol. 16, no. 2. — Art. 81. — DOI: 10.3390/jrfm16020081.

14. Kiwanuka A., Sibindi A. B. Insurance literacy: Significance of its dimensions for insurance inclusion in Uganda // Economies. — 2023. — Vol. 11, no. 2. — Art. 33. — DOI: 10.3390/economies11020033.

15. Kiwanuka A., Sibindi A. B. Digital literacy, InsurTech adoption and insurance inclusion in Uganda // Journal of Risk and Financial Management. — 2024. — Vol. 17, no. 3. — Art. 119. — DOI: 10.3390/jrfm17030119.

16. Kiwanuka A., Sibindi A. B. Insurance literacy, perceived trust and insurance inclusion in Uganda // Management Matters. — 2025. — Vol. 22, no. 1. — P. 35–51. — DOI: 10.1108/MANM-05-2024-0028.

17. Kousky C., Wiley H., Shabman L. Can parametric microinsurance improve the financial resilience of low-income households in the United States? A proof-of-concept examination // Economics of Disasters and Climate Change. — 2021. — Vol. 5, no. 3. — P. 301–327. — DOI: 10.1007/s41885-021-00088-1.

18. Kuldashev K. M. Insurance market of Uzbekistan and need for mutual insurance companies // Digest Finance. — 2018. — Vol. 23, no. 2. — P. 221–229. — DOI: 10.24891/df.23.2.221.

19. Mahmood S. S., Hanifi S. M. A., Mia M. N., Chowdhury A. H., Rahman M., Iqbal M., Bhuiya A. Who enrols in voluntary micro health insurance schemes in low-resource settings? Experience from a rural area in Bangladesh // Global Health Action. — 2018. — Vol. 11, no. 1. — Art. 1525039. — DOI: 10.1080/16549716.2018.1525039.

20. Microinsurance Network. The Landscape of Microinsurance 2024: Microinsurance coverage reaches 344 million people in 2023, 88% protection gap persists. — 2025. — 6 March. — URL: https://microinsurancenetwork.org/press-release-microinsurance-coverage-reaches-344-million-people-in-2023-88-protection-gap-persists

21. Mirzaeva A., Mirzamakhmudova M. Priority directions for life insurance development in Uzbekistan // Proceedings of the International Conference on Applied Innovations in IT. — 2025. — Vol. 13, no. 1. — P. 305–312. — DOI: 10.25673/119247.

22. Mohd Rom N. A., Abdul Malek Beh N. H., Abdul Rani N. S., Md. Hassan N., Agos Lokman F. Z. Assessing InsurTech purchase intentions among young working adults in Malaysia: A TRA approach // JOIV: International Journal on Informatics Visualization. — 2025. — Vol. 9, no. 4. — P. 1584–1591. — DOI: 10.62527/joiv.9.4.3676.

23. Munmun S., Saha P., Hasan S. M. Life insurance demand in OECD economies: New insights into economic, demographic, and social drivers // Insurance Markets and Companies. — 2026. — Vol. 17, no. 1. — P. 51–64. — DOI: 10.21511/ins.17(1).2026.04.

24. OECD. Global Insurance Market Trends 2025: Insurance Penetration. — Paris: OECD Publishing, 2025. — URL: https://www.oecd.org/en/publications/global-insurance-market-trends-2025_0d11ecf4-en/full-report/component-3.html

25. Oppong E. O., Baorong Y., Mazonga Mfoutou B. O. Microinsurance in Ghana: Investigating the impact of Outreville’s four-factor framework and firm and product characteristics on adoption // The Geneva Papers on Risk and Insurance — Issues and Practice. — 2024. — Vol. 49, no. 3. — P. 421–447. — DOI: 10.1057/s41288-024-00324-1.

26. O‘zbekiston Respublikasi Prezidentining 2021-yil 23-oktabrdagi «Sug‘urta bozorini raqamlashtirish va hayot sug‘urtasi sohasini rivojlantirish bo‘yicha qo‘shimcha chora-tadbirlar to‘g‘risida»gi PQ-5265-son qarori. — URL: https://lex.uz/acts/-5692504

27. O‘zbekiston Respublikasi Prezidentining 2024-yil 1-martdagi «Sug‘urta xizmatlari bozorini yanada rivojlantirishning kompleks chora-tadbirlari to‘g‘risida»gi PQ-108-son qarori. — URL: https://lex.uz/acts/-6824178

28. Stoeckli E., Dremel C., Uebernickel F. Exploring characteristics and transformational capabilities of InsurTech innovations to understand insurance value creation in a digital world // Electronic Markets. — 2018. — Vol. 28, no. 3. — P. 287–305. — DOI: 10.1007/s12525-018-0304-7.

29. Swiss Re Institute. Asia Life & Health Consumer Survey 2025: Insights into Consumers’ Risk Concerns to Help Narrow the Health and Mortality Protection Gaps. — Zurich: Swiss Re Institute, 2025. — URL: https://www.swissre.com/reinsurance/insights/asia-protection-gap-consumer-survey.html

30. Swiss Re Institute. World Insurance in 2025: A Riskier, More Fragmented World Order // Sigma. — 2025. — No. 2. — URL: https://www.swissre.com/institute/research/sigma-research/sigma-2025-02-world-insurance-riskier-fragmented-world.html

31. Swiss Re Institute. Global Mortality Protection Gap: Rising Protection Needs Mark a Record Year. — 2026. — URL: https://www.swissre.com/institute/research/topics-and-risk-dialogues/climate-and-natural-catastrophe-risk/growing-exposure/global-mortality-protection-gap.html

32. Umirov A. T. Enhancing the competitiveness of insurance services in Uzbekistan // International Journal of Science and Research Archive. — 2025. — Vol. 14, no. 3. — P. 894–899. — DOI: 10.30574/ijsra.2025.14.3.0734.

33. XPRIMM. Statistics: Uzbekistan, FY2025: Non-life insurance generates over 95% of total GWP. — 2026. — URL: https://www.xprimm.com/STATISTICS-UZBEKISTAN-FY2025-Non-life-insurance-generates-over-95-of-total-GWP-articol-35-24568.htm