This article examines the advantages and challenges associated with implementing electronic insurance (e-insurance) systems. The study explores benefits such as increased accessibility, efficiency, cost reduction, improved customer service, and enhanced data management. At the same time, it highlights challenges including technological infrastructure limitations, cybersecurity risks, regulatory compliance, and resistance to change among stakeholders. The research provides insights into strategies for successful adoption of electronic insurance systems and recommendations to optimize their effectiveness in improving service delivery and customer satisfaction.

Electronic insurance; e-insurance; digitalization; efficiency; accessibility; cost reduction; customer service; data management; cybersecurity; implementation challenges; regulatory compliance.

Axmedov, B. (2020). Sug‘urta tizimida raqamli texnologiyalar va ularning samaradorligi. Toshkent: Iqtisodiyot nashriyoti.

Ergashev, S. (2019). O‘zbekistonda elektron sug‘urta: amaliy tajribalar va istiqbollar. Toshkent: Moliyaviy ilmiy-tadqiqot markazi.

Islomov, R. (2021). Sug‘urta kompaniyalarida axborot texnologiyalarini joriy etish. Toshkent: O‘zbekiston Moliya universiteti nashriyoti.

Karimov, T. (2018). Raqamli sug‘urta tizimlarining moliyaviy samaradorligi. Toshkent: Iqtisodiyot va moliya jurnali, 4(2), 45–53.

Mamatov, F. (2022). Elektron sug‘urta platformalari va ularning xizmat ko‘rsatish sifatiga ta’siri. Toshkent: Moliyaviy innovatsiyalar jurnali, 1(1), 12–21.

Qodirov, A. (2020). Sug‘urta xizmatlarida raqamli transformatsiya va muammolar. Toshkent: Moliyaviy tahlil va nazorat markazi nashriyoti.

Tursunov, H. (2019). O‘zbekiston sug‘urta bozorida elektron tizimlarni joriy etish strategiyalari. Toshkent: Bank va moliya instituti nashriyoti.