Articles | Open Access | https://doi.org/10.55640/

FUNDAMENTALS OF THE INTRODUCTION OF COMPULSORY MEDICAL INSURANCE IN UZBEKISTAN

K. H. Sadullayev , Sh.K.Almardanov , Master 1st year master's student of the School of Public Health, Tashkent State Medical University, specialty 70910232-Medical Insurance, Scientific supervisor

Abstract

This article examines the theoretical, legal, and socio-economic foundations for the introduction of Mandatory Health Insurance (MHI) in the Republic of Uzbekistan. The study analyzes the current health care financing system and identifies its key limitations related to budget constraints, increasing health care costs, and high out-of-pocket expenditures. Based on international experience, the article evaluates effective models of mandatory health insurance and assesses their applicability to Uzbekistan’s socio-economic conditions. The research substantiates that the implementation of MHI can enhance financial sustainability of the health care system, expand access to quality medical services, reduce financial risks for households, and strengthen social equity. The findings provide scientifically grounded policy recommendations for the phased introduction of mandatory health insurance in Uzbekistan, emphasizing the importance of legal reforms, institutional capacity building, and effective financial management mechanisms.

Keywords

mandatory health insurance, health care system, health care financing, social insurance, health sector reform, financial sustainability, universal health coverage.

References

Jakab, M., Kutzin, J., & Soucat, A. (2018). Health Financing Policy in Developing Countries: Lessons for Mandatory Health Insurance. World Health Organization.

Lu, C., Chin, B., Li, G., & Murray, C. J. L. (2017). Limitations of Health Financing in Transition Economies. The Lancet, 390(10091), 142–152.

World Bank. (2019). Health Financing in Uzbekistan: Options for Reform. Washington, DC: World Bank Group.

World Health Organization. (2019). Universal Health Coverage and Health Insurance: Global Lessons for Policy Reform. Geneva: WHO.

Kutzin, J. (2013). Health Financing for Universal Coverage and Health System Performance: Concepts and Implications. Bulletin of the World Health Organization, 91(8), 602–611.

OECD. (2020). Health at a Glance 2020: OECD Indicators. Paris: OECD Publishing.

Republic of Uzbekistan. (2020). Law on Health Care and Health Insurance. Tashkent: Government of Uzbekistan.

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FUNDAMENTALS OF THE INTRODUCTION OF COMPULSORY MEDICAL INSURANCE IN UZBEKISTAN. (2026). International Journal of Medical Sciences, 6(01), 486-490. https://doi.org/10.55640/