The structure of insurance premiums is as follows:
- voluntary types of insurance — 2 trillion 172 billion 231 million soms,
- mandatory types of insurance — 1 trillion 160 billion 340 million soms.
As of December 31, 2025, the volume of insurance premiums amounted to 10,076 million soms, which is 94.3% more compared to the same period in 2024, when this figure was 5,187 million soms.
An insurance premium is the amount that a client (policyholder) pays to the insurance company for obtaining a policy and assuming risks. This amount, necessary for acquiring insurance protection, can be paid in a lump sum or in the form of periodic payments. The size of the premium is determined by the probability of an insured event occurring and the expected amount of losses.
Voluntary insurance premiums amount to 6 billion 933.1 million soms, of which:
- personal insurance – 2 billion 874.7 million soms;
- property insurance – 3 billion 595.9 million soms;
- liability insurance – 461.9 million soms;
- life insurance – 0.6 million soms;
Mandatory insurance premiums amount to 3 billion 142.9 million soms, including:
- mandatory insurance of residential premises against fire and natural disasters — 279.2 million soms;
- mandatory insurance of the employer's civil liability for causing harm to the life and health of the employee while performing labor duties — 273.9 million soms;
- mandatory insurance of the civil liability of carriers of dangerous goods — 18.5 million soms;
- mandatory insurance of the civil liability of organizations operating hazardous production facilities — 20.9 million soms;
- mandatory insurance of the civil liability of vehicle owners (OSAGO) — 2 billion 526.1 million soms;
- mandatory insurance of the civil liability of carriers towards passengers — 24.3 million soms;
