O‘ZBEKISTONDA MAJBURIY SUG‘URTA TIZIMINI TRANSFORMATSIYA QILISH ZARURATI: MUAMMOLAR, TAHLIL VA STRATEGIK TAKLIFLAR (2020–2024 YILLAR TAJRIBASI ASOSIDA)
DOI:
https://doi.org/10.55439/INS/vol2_iss3/312##article.subject##:
Majburiy sug‘urta, sug‘urta bozori, OSAGO, fuqarolik javobgarligi, zararlilik koeffitsienti, tarif siyosati, raqamlashtirish, ishonch, iqtisodiy samaradorlik, da’vo tizimi.##article.abstract##
Ushbu maqolada O‘zbekistonda majburiy sug‘urta xizmatlari bozorining 2020–2024 yillar oralig‘idagi rivojlanish dinamikasi, institutsional muammolari va iqtisodiy samaradorligi tahlil qilinadi. Tadqiqot natijalari asosida majburiy sug‘urta turlarining past qamrov darajasi, tariflarning iqtisodiy real voqelikdan orqada ekani, raqamlashtirish va da’vo ko‘rib chiqish tizimining zaifligi aniqlangan. Mualliflar tomonidan tizim samaradorligini oshirishga qaratilgan strategik yo‘nalishlar, jumladan, tarif siyosatini qayta ko‘rib chiqish, yagona elektron da’vo platformasi yaratish, sug‘urta madaniyatini shakllantirish va raqobat muhitini kengaytirish bo‘yicha takliflar ishlab chiqilgan.
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Copyright (c) 2025 Yuldashev Akramjon Qurbonazarovich, To‘rayev Sherxon Mo‘min o‘g‘li Kungratov
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