Ways To Expand the Market Of Insurance Services In Modern Conditions

Аннотация

The article provides suggestions on how to develop innovative insurance products by insurance companies in the development of the insurance services market and organize the sale of E-policies to policyholders using modern information technologies. Keywords: Insurance market, insurance product, E-policy, insurance broker, insurance agent , assistance , adjuster , surveyor, voluntary insurance, insurance premium, insurance coverage, insurance service. Introduction: Reducing the negative impact of • the combination of mutual and commercial disasters on human life is carried out through insurance; "insurance", which means the distribution of the costs • socialization of syg'yrta relations takes place; of eliminating the consequences of negative events • new insurance services and products are emerging; among several economic entities . • The labor market in the insurance sector is It is impossible to rationally approach the issue of changing (automated management systems and identifying and solving the problems of the insurance the replacement of some insurance agents, senior sector without understanding the essence of the main and middle managers with robots). concepts of insurance in the system of financial market relations. Each insurance company has a huge number The digitization of the insurance market in Uzbekistan of product branches within the types of services it is currently a pressing need, and accelerating this offers. To satisfy all types of insurance needs, their process will ensure that the country's insurance market number must be significant. Each of them is a basic finds its place in the global insurance market. marketing unit aimed at a specific market or its large LITERATURE REVIEW segment. Each package has its own design and The views expressed by one of the leading German corresponds to the trademark and name of the insurer. experts in the field of insurance, Professor Dieter Farni, When a potential client applies to a consumer reflect the lack of a single approach to the representative for the conclusion of an insurance interpretation of insurance. In his work “Insurance contract, he is given the opportunity to choose from Theories of Production and Costs”, he showed that the available complex of insurance products. there are a number of definitions of the concept of The development of the insurance market in “insurance”. From the point of view of D. Farni's legal Uzbekistan is largely due to the introduction of point of view, an insurance product is an insurance technologies that have an impact on the insurance contract, which includes an insurance policy and technologies of the increasingly digital economy, but insurance rules. At the same time, theoretically, an do not change the economic essence of the economy. insurance product was defined as a commodity that can As a result of the use of digital technologies in be offered to the market to satisfy a consumer need. insurance activities: Thus, if we consider insurance services as a commodity, • increase the efficiency and profitability of syg'yrta in order for it to be sold, it must satisfy the needs of the activities; consumer. International Journal of Management and Economics Fundamental 117 https://theusajournals.com/index.php/ijmef International Journal of Management and Economics Fundamental (ISSN: 2771-2257) A. Zubets , “an insurance product is a set of basic and insurance market is considered by state management auxiliary services provided to the insured when agencies (bodies) as an integral part of the country's concluding an insurance contract.” Thus, an insurance market infrastructure. In the development of the product is a set of certain services aimed at satisfying insurance market in our country, further improving the the needs of the insured within the framework of an competitive market for insurance services and insurance contract. In addition to services in the field of developing sectors serves to create new jobs, one of insurance and reinsurance, such services include legal the methods of developing insurance activities is the and organizational services provided within the mandatory introduction of insurance, which, on the framework of a specific insurance policy. one hand, serves to raise the insurance culture of the population, which is one of the main problems of the In this regard, the concept of an insurance product is industry, and on the other hand, creates a system of broader than the concept of insurance services, as it guaranteed compensation for damage caused through can also include other types of services. the insurance mechanism, as a result of which the Analysis and results. The insurance system in the volume of insurance compensation paid to victims has modern economy of Uzbekistan is of strategic increased sharply. This serves to further strengthen the importance, due to the fact that the insurance system social protection of the population. has been elevated to the level of state policy, and the 13,