JAHON SUG‘URTA AMALIYOTI ASOSIDA O‘ZBЕKISTON SUG‘URTA BOZORIDA YANGI RIVOJLANISH YO‘NALISHLARI
DOI:
https://doi.org/10.5281/zenodo.17571493Keywords:
yashil iqtisodiyot, jahon sug‘urta amaliyoti, raqamli sug‘urta, Insurance-as-a-Service, Insurtech, mikrosug‘urta, RegTech, iqlim xavflari, yashil sug‘urta va ESG tamoyillari, xalqaro sug‘urta standartlari.Abstract
Mazkur maqolada jahon sug‘urta bozorining zamonaviy rivojlanish tendensiyalari tahlil qilingan. Sug‘urta
tushumlarining dinamikasi, mintaqaviy taqsimlanishi hamda yillar kesimidagi o‘zgarishlar sabablari ko‘rib chiqilgan.
Maqolada hayot va hayot bo‘lmagan sug‘urta segmentlarining ulushi, rivojlangan va rivojlanayotgan bozorlar o‘rtasidagi
farqlar, shuningdek pandemiyaning bozorga ta’siri yuzasidan umumiy tendensiyalar yoritilgan. O‘zbekiston sug‘urta
bozorining hozirgi holatiga tavsif berilib, xalqaro amaliyot asosida milliy bozor rivojlanishi uchun asosiy yo‘nalishlar nazariy
jihatdan asoslab berilgan. Muallif milliy sug‘urta bozorini xalqaro standartlar bilan uyg‘unlashtirish zarurligini ta’kidlaydi.
Xulosa sifatida O‘zbekistonda sug‘urtani raqamlashtirish, yashil iqtisodiyot va ESG talablarini joriy qilish hamda sug‘urta
xizmatlari sifatini oshirish yo‘nalishlari tavsiya etiladi
References
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3. Sigma-3-2021-en.pdf “World insurance: the recovery gains pace” // Swiss Re institute
4. Sigma-1-2024-en.pdf “Natural catastrophes in 2023: gearing up for today’s and tomorrow’s weather risks” // Swiss Re
institute
5. Sigma-2-2025-en.pdf. “World insurance in 2025: a riskier, more fragmented world order” // Swiss Re institute
6. https://www.swissre.com/press-release/New-digital-risks-call-for-insurance-innovation
7. https://reports.swissre.com/2023/property-casualty-reinsurance/insuring-a-renewable-future
8. 2025 global insurance outlook // Deloitte Insights
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