This article examines international approaches to the development of retail insurance and explores the potential for their adaptation in the Republic of Uzbekistan. Drawing on the Swiss Re Institute – Global Insurance Outlook 2024 and other key sources, it outlines global trends such as digitalization, embedded insurance, microinsurance, and insurtech. A comparative analysis of Uzbekistan, India, Kenya, and Kazakhstan highlights structural barriers and identifies strategic directions for transforming the Uzbek insurance market, with a focus on inclusivity, innovation, and sustainability.

The article analyzes the significance of financial technologies, particularly Insur Tech, and their role in enhancing insurance services. Automation of processes, personalized offers, blockchain, and artificial intelligence contribute to improving the efficiency of insurance companies.

This article analyzes the development of insurance products in both traditional and digital domains. It discusses traditional products such as OSAGO, Casco, health insurance (DMS), and life insurance, as well as new insurance products created using insurtech, microinsurance, blockchain, and artificial intelligence. The article provides an in-depth analysis of the latest innovations in the insurance industry and their impact on consumers.