{"id":21923,"date":"2021-11-23T22:23:00","date_gmt":"2021-11-23T17:23:00","guid":{"rendered":"https:\/\/mos.beto.uz\/?p=21923"},"modified":"2023-09-27T13:32:58","modified_gmt":"2023-09-27T08:32:58","slug":"s-chem-svyazan-rost-strahovogo-rynka-uzbekistana-v-etom-godu","status":"publish","type":"post","link":"https:\/\/mosaic.beto.uz\/uz\/s-chem-svyazan-rost-strahovogo-rynka-uzbekistana-v-etom-godu\/","title":{"rendered":"Bu yil O\u2018zbekistonda sug\u2018urt o\u2019sishining sababi nimada?"},"content":{"rendered":"
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Sug\u02bburta bozorini rivojlantirish\u00a0agentligi tomonidan e\u02bclon qilingan hisobotlarga ko\u02bbra<\/a>, 2021-yilning 9 oyi yakunlari bo\u02bbyicha, yig\u2018ilgan sug\u2018urta mukofotlari hajmi o\u2018tgan yilning shu davriga nisbatan 66% ga oshdi.<\/p>

Savol:<\/p>

Bu yil O\u2018zbekistonda sug\u2018urt o\u2019sishining sababi nimada?<\/p>

O\u2018zbekistonda sug\u2018urta bozori kichik, sug\u2018urta darajasi va madaniyati sayozroq bo\u2019lib, u hali ham rivojlanib bormoqda. 2021-yilning 9 oyi yakuni bo\u2018yicha yig\u2018ilgan sug\u2018urta mukofotlari miqdori 2,63 trln. so\u2018m (246 mln. AQSH dollari) ni tashkil qilib, o\u2018tgan yilning shu davriga nisbatan 66% ga oshgan. Biroq, 2020-yilda pandemiya davrida bozor ko\u2019rsatkichi pasayganligi sababli, umumiy mukofot daromadi 1,58 trln. so\u2019m (154 mln. AQSH dollari) ni tashkil etdi, bu o\u2018tgan 2019-yilga nisbatan 11% ga kamroq demakdir, so\u2018nggi 3 yildagi o\u2018rtacha yillik o\u2018sish 13,5% ni tashkil etdi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Bozorni umumiy sug\u2019urtaning ixtiyoriy va majburiy sinflariga hamda hayotni sug\u2019urtalashga bo\u2019lish mumkin. 2021-yilda umumiy sug\u2019urtaning ixtiyoriy va majburiy turlari hamda hayot sug\u2019urtasi o\u2019rtasidagi bo\u2019linish mos ravishda taxminan 70% \/ 12% \/ 8% ni tashkil etdi. So\u2019nggi 3 yilda hayotni sug\u2018urtalash ulushi 2019-yildagi 26% dan, 2020-yilda 14% ga va 2021-yilda 8% ga keskin kamaydi.<\/p>

2021-yilda hayotni sug\u2019urtalash bo\u2019yicha mukofotlar yig\u2019imi 2019-yil darajasiga yetdi \u2013 0,47 trln. so\u2019m. (44 mln. AQSH dollari). O\u2019zbekiston Respublikasi Prezidentining PQ-5265-sonli qaroriga muvofiq, hayotni sug\u2019urtalash sohasida, sug\u2019urta kompaniyasining daromad solig\u2019i bo\u2019yicha soliq imtiyozlari uzoq muddatli hayotni sug\u2019urtalashni rivojlantirishni jadallashtirish imkonini beradi va xizmatlar ro\u2019yxatini kengaytirishga yo\u2019naltiriladi.<\/p>

Majburiy toifalar asosan ish beruvchining javobgarligi va avtotransport vositalari oldidagi javobgarlikdan iboratdir. Ish beruvchining javobgarligini sug\u2019urtalash 2020 va 2021-yillarda mos ravishda 30% \/ 27% ga o\u2019sdi va FJMSQ mos ravishda 9,5% \/ 13% ga o\u2019sdi. Faol rivojlanish tufayli, hatto pandemiya davrida ham qurilish-montaj sug\u2018urtasi bo\u2018yicha majburiy sug\u2018urta mukofotlari hajmi 72% ni tashkil etdi.<\/p>

Sug\u2019urtaning ixtiyoriy toifalarida 66% ga o\u2019sish kuzatilib, jami 734 mlrd. so\u2018mni (68 mln. AQSH dollari) tashkil etdi. Kredit sug\u2018urtasi hajmi ikki baravar, umumiy javobgarlik sug\u2018urtasi 7 baravar o\u2018sdi, mulk sug\u2018urtasi esa pandemiyagacha bo\u2018lgan darajaga yetdi.<\/p>

Bozor 2016-yil oxirida Prezident Sh.M.Mirziyoyev hokimiyatga kelganidan beri amalga oshirilayotgan iqtisodiyotni liberallashtirish dasturi ta\u2019sirida.<\/p>

2019-yil avgust oyida e\u2019lon qilingan islohotlar sohaning iqtisodiyotdagi rolini kuchaytirish va yangi majmuaviy me\u2019yoriy-huquqiy bazani ishlab chiqishga qaratilgan. Shuningdek, ular, ayniqsa, chakana savdo segmentlarida mukofotlar o\u2019sishini qo\u2019llab-quvvatlash va iqtisodiyot uchun strategik ahamiyatga ega bo\u2019lgan sohalarda qo\u2019llab-quvvatlash yoki kafolat mexanizmlarini taqdim etish choralarini o\u2019z ichiga oladi. O\u2018zbekiston hukumati islohotlar natijasida sug\u2018urta sektorining yalpi ichki mahsulotga qo\u2018shgan hissasi 2022-yilga borib, 2018-yildagi 0,4% dan 0,8% gacha o\u2018sishini, jami sug\u2018urta mukofotlari esa mos ravishda 203 million AQSH dollaridan 478 million AQSH dollarigacha oshishini kutmoqda.<\/p>

2019-yilda ilgari mavjud bo\u2018lgan Sug\u2018urta nazorati davlat inspeksiyasi boshqarmasi o\u2018rnigayangi Sug\u2018urta bozorini rivojlantirish agentligi tashkil etildi.<\/p>

2018-yilda e\u2019lon qilingan O\u2018zbekiston Respublikasi Prezidentining PF-4947-son qarori ijrosi doirasida \u201cO\u2018zbekiston Respublikasida islom bankingi va moliya boshqaruvi infratuzilmasini yaratish chora-tadbirlari to\u2018g\u2018risida\u201dgi alohida loyihada islom banki va moliya infratuzilmasini joriy etish bo\u2018yicha, shu jumladan sug\u2018urta yoki takaful faoliyatiga oid qonunchilik normalari, hujjatlarni ishlab chiqish va tasdiqlashga taqdim etish bo\u2018yicha komissiya tuzildi. Bu esa O\u2018zbekiston sug\u2018urta bozorida takaful mahsulotlarining rivojlanishiga olib kelishi mumkin.<\/p>

Brokerlardan foydalanish ortib bormoqda va 2020-yil o\u2019rtalarida ro\u2019yxatdan o\u2019tgan beshta firma bor edi. Xorijiy brokerlarda mamlakatda o\u2019z vakolatlarini ochishga qiziqish ortib bormoqda. Internet orqali bir nechta chakana mahsulotlar, jumladan, TVEFJMSQ, kasko, uy, sayohat va sog\u2019liq uchun mahsulotlar tarqala boshladi. O\u2018zbekistonda sayohatlarni cheklash va vaqtinchalik masofadan ishlashga o\u2018tishga olib kelgan COVID-19 pandemiyasi chakana sug\u2018urta mahsulotlarini onlayn xarid qilish tendensiyasini kuchaytirdi.<\/p>

Umumiy sug\u2018urta sohasida yangi sug\u2018urta kompaniyalarining (5 ta sug\u2018urta tashkiloti, shu jumladan 1 tasi 100% xorijiy kapital bilan \u2013 Azimuth Insurance Company) ochilishi ham sug\u2018urta mukofotlarining o\u2018sishiga ta\u2019sir ko\u2018rsatdi.<\/p>

Yirik xorijiy investitsiyalarning jalb etilishi munosabati bilan qurilish-montaj tavakkalchiligi, fuqarolik javobgarligi va mol-mulk sug\u2018urtasining ixtiyoriy turlari bo\u2018yicha mukofotlar keskin oshdi, sug\u2018urta zaxiralarida qayta sug\u2018urtalovchilarning ulushi oshdi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Muallif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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OYBEK N. KHALILOV<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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AIC bosh direktori va ayni paytda O'zbekiston sug'urta bozori Professional ishtirokchilari uyushmasi boshqaruvi raisi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

According to the\u00a0reports published by the Insurance Market Development Agency, at the end of 9 months of 2021, the volume of collected insurance premiums increased by 66% compared to the same period last year. The question covered in this article: What is the reason for the growth of the insurance market in Uzbekistan this year? […]<\/p>\n","protected":false},"author":1,"featured_media":21930,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/21923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/comments?post=21923"}],"version-history":[{"count":0,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/posts\/21923\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media\/21930"}],"wp:attachment":[{"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/media?parent=21923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/categories?post=21923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mosaic.beto.uz\/uz\/wp-json\/wp\/v2\/tags?post=21923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}