PROSPECTS FOR MODERNIZING THE HEALTH INSURANCE SYSTEM

Abstract

The modernization of the health insurance system is critical for ensuring universal access to medical care, improving financial protection, and enhancing healthcare quality. In Uzbekistan, health insurance remains in a developmental stage, with limited coverage, low public awareness, and fragmented service delivery. This study examines the prospects for modernizing the health insurance system, evaluates current challenges, and proposes strategic measures to enhance efficiency, accessibility, and sustainability. Using legal analysis, statistical review, and international comparative studies, the research identifies technological integration, policy reforms, and public-private partnerships as key drivers for modernization. Findings indicate that expanding coverage, implementing digital platforms for claims and service management, and introducing performance-based reimbursement mechanisms can significantly improve health outcomes and financial sustainability. Recommendations focus on legislative updates, digitalization, capacity building, and alignment with international best practices to develop a comprehensive, effective, and inclusive health insurance system in Uzbekistan.