Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
218
DEVELOPMENT TRENDS AND DISTINCTIVE FEATURES
OF ONLINE INSURANCE
Gulnora Akramova,
Senior Lecturer,
Bakhodir Sadritdinov,
Master (magistr), Tashkent University of Information Technologies named
after Muhammad al-Khwarizmi, Department of Economics in ICT
In the conditions of intensive informatization processes, modern society
requires an active implementation of information technologies in the
insurance industry. Since the use of modern information technologies is
necessary for the development of insurance services. To ensure the reliability
and transparency of the financial and economic activities of insurance
companies, as well as in pursuance of the Decree of the President of the
Republic of Uzbekistan dated 03.04.2014 No. PD-2158 “On measures for the
further implementation of information and communication technologies in the
real sector of the economy” measures for the implementation of information
technology in business processes.
Much attention is paid to the widespread application of information and
computer technologies and software products in the document management
system, accounting, and reporting, financial and economic activities,
organization of production, and technological processes. The work is aimed
at improving the quality of services, reducing their cost through the
introduction of modern information systems and software products for
accounting and rational use of material and technical resources and
regulation of mutual relations with customers.
Insurance service for the client base is one of the important elements in
the activity of an insurance company. It is the level of insurance service that
has a direct impact on demand. To improve the quality of service, it is
essential to significantly increase the ability of customers to timely and
conveniently receive the necessary information on a specific insurance
product or service, including through a mobile phone or other mobile devices.
The online store of insurance services is a unique opportunity to obtain
different types of insurance without visiting the office. The whole procedure is
carried out directly on the website, where the client fills out a questionnaire,
uploads documents, and pays. The process takes only a few minutes. After
sending the information to the server, the request is quickly processed. The
customer receives a ready-made insurance policy within one working day.
The document is delivered by a courier, with whom you can also pay when
choosing a cash payment method.
Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
219
The advantages of online insurance on the website www.insurance.uz
also include the following features of the resource:
•
calculating the cost of insurance services using an online price
calculator;
•
selection of the optimal payment method (e-wallets, cash);
•
free delivery by courier to the address specified by the customer of the policy;
•
Customers who want to insure their health, real estate, get a CTP or
get other insurance services quickly appreciated its advantages of online
insurance, such as:
•
maximum time savings on registration without visiting the insurance
company’s office;
•
minimum delivery time (the finished policy is delivered free of charge
during the working day);
•
different payment methods for services, including payments via
terminals and Click, Payme systems;
•
consultations over the phone and by email on the conditions and
registration of insurance.
In addition, in order to increase the interest of users in online services,
the project organizers provide discounts on voluntary types of insurance.
Furthermore, companies provide payment for insurance services even
without prior registration on the official website. Using the MBank system, the
client has the opportunity, without leaving his workplace, to pay from his
plastic card for the insurance product.
In pursuance of the Law “On Appeals of Individuals and Legal Entities”
with the use of modern information and communication technologies, the
company can submit an appeal in writing, through the official website of the
companies, through a single portal of interactive government services, and if
there are complaints and suggestions, you can use service of direct video
communication with the management of the company.
The companies are taking measures to implement the state program for
the further development and widespread introduction of information and
communication technologies and software products.
In particular:
– completed measures for the acquisition of a hardware and software
complex and equipping workplaces with modern computer technology;
– work is underway to organize secure data transmission channels for
regional branches of the company, over the TAS-IX network using FTTx
technologies at a speed of at least 5 Mbit/s;
– measures are being completed to automate the distribution of information
to customers and shareholders of the company using SMS and e-mail;
– work is underway to develop a mobile application for registration and
purchase of insurance services of the company;
Научные исследования
и инновации в индустрии 4.0
I-
Республиканская научно
-
техническая конференция
(Ташкент,
13-15
марта
2022
года)
220
– work is underway to introduce an automated system for receiving
applications from legal entities online to receive compulsory insurance
services for OCCLI, OCECLI, OSGOP;
– Work is underway to introduce an automated system with the
capabilities of remote retraining, advanced training, and personnel testing.
It should be noted that insurance companies pay special attention to
studying foreign experience in the implementation of ICT in the insurance
business.
At the end of the article, we add that insurance through an online store
is the best choice for residents of Tashkent and other cities of Uzbekistan. In
particular, this format is convenient in the context of the COVID-19 pandemic,
as it allows you to get an insurance policy while staying at home or in your
own office.
DISTINCTIVE FEATURES AND IMPORTANCE OF DIGITAL
INSURANCE
Iminova N.A.,
Tashkent University of Information Technologies named after Muhammad
al-Khwarizmi, Department of Economics in ICT, Senior lecturer
Khamitov Kh.P.,
Master’s degree student
Digital insurance, is the signing of insurance contracts, their renewal,
the reporting of accidents, or the performance of any other insurance-related
activity that is carried out using some hardware or software solutions. Digital
insurance typically includes websites, apps, web programs, custom-designed
devices, and other means.
It should be noted, that the term digital insurance is not entirely new.
From the late 1990s to - early 2000s. digital insurance in parallel with the term
“insurance of electronic risks” (and partly with the term “insurance of
e-commerce”). Is, applied to insurance programs for electronic devices,
implying insurance of not only traditional but also specific property risks, such
as power grid failures, failure of air conditioning systems air, as well as a
certain part of informational risks1.
Digital insurance (insurance of electronic risks) more than 15 years ago
was understood as traditional insurance associated with the need for
protection against specific risks.
At the same time, the digital economy has brought new content to the
concept of digital insurance, expressed in its duality.
