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Insurance protection of property interests related to the life and health of the insured person due to an unfortunate accident, disability, injury or death of the insured person.


Injuries to the body as a result of unexpected events, changes in the functioning of body parts as a result of injuries, or events leading to death, regardless of the will of the insured person: - burns, frostbite, drowning, electric shock and injuries due to lightning strikes, natural phenomena, explosions and animal attacks, bites, stings, malicious attacks, falling of the insured person or an object falling on him, hitting an object, vehicles (cars, trains, trams and others) overturning or during their movement in road traffic accidents, injuries received while using cars, mechanisms and other types of tools, accidentally getting something stuck in the respiratory tract, severe poisoning due to poisonous plants, chemicals, accidental bone fracture, dislocation, joint and tissue disruption, complete or partial absence of body parts eruption

Death of the insured person due to an unfortunate event (except for natural death, death due to colds and diseases).​


    All types of acute chronic and hereditary diseases (including heart attacks, strokes and sudden organ diseases, their development due to the transmission of the disease from generation to generation), anaphylactic shock and food toxic infection (salmonellosis, cholera, etc.) );

Injury or death of the insured as a result of intentional actions determined by investigative or judicial authorities;

Any self-propelled vehicle (car, motorcycle, scooter, moped, motorized bicycle, etc.) with an internal combustion engine or an electric engine is driven by the insured person under the influence of alcoholic beverages, narcotic or poisonous substances, or in an exceptionally intoxicated state. injury or death caused by driving a boat or motor boat, tractor, combine harvester, trolleybus, tram, etc.), as well as giving control of these vehicles to a person who is intoxicated under the influence of alcohol, drugs and toxic substances;

Physical injuries or death caused by various types of nuclear explosion, radiation and radioactive radiation, poisoning, military operations, military exercises, civil war, strike, public uprising.


    One year


    As a result of an insurance event, the life and health of the insured person is damaged, in the amount of insurance compensation to the insured person, according to the opinion of a medical expert, approved by the decision of the Cabinet of Ministers of the Republic of Uzbekistan No. 195 of July 1, 2011 "disabled at work Appendix 3 of the Regulation on the Procedure for Determining the Level of Loss of Professional Work Ability of Persons with or suffering from an occupational disease, that is, it is determined based on the clinical-functional criteria for determining the level of loss of professional work ability.

    The insurance fee shall be paid by the policyholder within 15 (fifteen) days from the date of submission of all documents.