DEVELOPMENT OF THE COUNTRY ON THE POPULATION OF PERSONAL INSURANCE TYPES Zhonuzokov Ozod Shokir coals

Аннотация

INTRODUCTION scientific research aimed at increasing the Risks arising in the context of the global effectiveness of personal insurance. Scientific development of the world economy and research is being carried out in such directions financial system are becoming increasingly as analyzing the economic essence and important in the socio-economic life of the mechanism of operation of personal insurance, country, and in order to improve the welfare of the peculiarities of the formation of the the population, their interests need reliable institutional environment of the private insurance protection.Swiss Re insurance network in the country, and Instituteaccording to the report "the total improving the practice of personal insurance. turnover of the modern global insurance market As a result of these studies, the issues related to in 2022 will be 7 trillion. USD, including the life the effective mechanism of the private insurance segment in 2022increased by 4.8% to insurance market, as well as the attraction of a total of 3.1 trillion.Estimated in USD . In the funds for investment in the national economy context of the development of the digital by insurance companies, have not yet been economy, it is necessary to remove obstacles in positively resolved. the insurance market and the personal insurance market, to create a competitive In the course of forming and introducing a new environment among insurance companies by system of quality and quantity indicators aimed organizing transparent and open insurance at increasing the efficiency of personal services.. insurance practice, improving the practice of personal insurance is of urgent importance. In In world practice, special attention is paid to https://www.theamericanjournals.com/index.php/tajmei 66 THE USA JOURNALS THE AMERICAN JOURNAL OF MANAGEMENT AND ECONOMICS INNOVATIONS (ISSN- 2693-0811) VOLUME 06 ISSUE03 particular, "... expanding the practice of health cover the damage caused to the life and health insurance, implementing new mechanisms of of the insured persons. . In our opinion, insurance" is defined as one of the priority according to the above conclusion, it provides tasks. In order to ensure the fulfillment of these an opportunity to buy the necessary guarantee tasks, it is determined to form a modern and for life and health from the fund formed at the optimal system of personal insurance business expense of personal contributions. processes based on innovative approaches and According to NP Sakhirova, it describes the increase the efficiency of personal insurance procedure for special coordination of personal practice. insurance, the purpose of which is to guarantee Analysis of literature on the topic. citizens access to medical care in the event of an insured event, and to provide medical services It should be noted that defining personal at the expense of the collected targeted funds of insurance in economic literature is usually done the insurance fund. is the financing of expenses. in two ways. First, the authors note that private insurance is mandatory and voluntary. in According to the above conclusion, personal improving the practice of personal insurance, it insurance is considered as a form of social was scientifically researched by economists and protection of the population in the field of appropriate scientific-theoretical and practical health care, which covers the loss of health for conclusions were formed. Fedorova TA , any reason, including due to illness or accident. Makhtina Yu.B. D Rusakova OI, Shoyko SV, provides a cost guarantee. Abashin NN, Yevsevleeva MN Lupey NA, Methods used in research implementation. Stepanova SV According to the conclusion of the authors, the personal insurance system is During the research, comparison, analysis and viewed in two ways: on the one hand, as an synthesis, historical and logical approach, element of the state system of social protection graphic method were used to analyze the of the population, on the other hand, in addition private insurance practices of developed and to the allocation of extra-budgetary funds for developing countries. Abstract-logical and these purposes, health formation as a financial observational methods were used to form mechanism to finance maintenance and provide theoretical knowledge and conclusions. funds to pay for medical services. ANALYSIS In our opinion, the above conclusion clearly Today, a number of activities aimed at reflects one of the approaches to revealing the developing the insurance market and increasing essence of both personal insurance and its GDP share have been carried out. Republic of insurance in general: it considers insurance UzbekistanTo ensure the implementation of the activity as a method (form) of protecting the decision of the President of October 23, 2021 interests of insured persons (population) the "On additional measures for the digitization of rib comes out. the insurance market and the development of According to AF Modonov, per