DEVELOPMENT OF RETAIL INSURANCE: INTERNATIONAL EXPERIENCE AND IMPLEMENTATION PROSPECTS IN THE REPUBLIC OF UZBEKISTAN

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DOI:

https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp567-573

Abstract

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.

Keywords:

retail insurance Uzbekistan international experience digitalization embedded insurance microinsurance insurtech insurance market

References

Accenture. (2023). The Future of Insurance.

EY. (2023). NextWave Insurance – Retail.

McKinsey & Company. (2023). Retail Insurance: Trends and Future.

OECD. (2023). Enhancing Retail Insurance in Emerging Markets.

PwC. (2024). Insurance 2030.

Swiss Re Institute. (2024). Global Insurance Outlook 2024.

World Bank. (2022). Insurance for Development

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How to Cite

Yuldashev , A. (2025). DEVELOPMENT OF RETAIL INSURANCE: INTERNATIONAL EXPERIENCE AND IMPLEMENTATION PROSPECTS IN THE REPUBLIC OF UZBEKISTAN. Advanced Economics and Pedagogical Technologies, 2(2), 567-573. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp567-573

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Vol. 2 No. 2 : Advanced Economics and Pedagogical Technologies

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Articles

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This work is licensed under a Creative Commons Attribution 4.0 International License.