TURIZM SOHASIDA SUG‘URTA MEXANIZMLARINING RIVOJLANISHI VA ULARNING TARMOQ MOLIYAVIY BARQARORLIGIDAGI ROLI
Keywords:
Kalit so‘zlar: turizm sohasi, sayohat sug‘urtasi, javobgarlik sug‘urtasi, sug‘urta bozori, kafolat jamg‘armasi, moliyaviy barqarorlik, risklarni boshqarish., Keywords: tourism sector, travel insurance, liability insurance, insurance market, guarantee fund, financial stability, risk management.Abstract
Annotatsiya. Maqolada O‘zbekistonda turizm sohasida sug‘urta mexanizmlarining rivojlanish holati va ularning tarmoq moliyaviy barqarorligini ta’minlashdagi roli tahlil qilingan. Sug‘urta bozorining umumiy kirib borish darajasi past (0,7%) ekanligi va sayohat sug‘urtasi mahsulotlarining asosan ixtiyoriy xususiyatga ega ekanligi ko‘rsatilgan. 2026-yilda taklif etilgan “Xavfsiz turizm” jamg‘armasi — turoperatorlar uchun zaxira majburiyati va kafolat yig‘imi asosida ishlaydigan kollektiv himoya mexanizmi — klassik sug‘urta mahsulotlarini to‘ldiruvchi yechim sifatida baholangan.
Annotation. The article examines the development of insurance mechanisms in Uzbekistan’s tourism sector and their role in sectoral financial stability, using the IMRAD structure. Overall insurance penetration remains low (0.7%) and travel insurance is mostly voluntary. The 2026 'Safe Tourism' fund — a collective scheme based on tour-operator reserves and a guarantee fee — is assessed as complementary to classic insurance.
