PROSPECTS FOR MODERNIZING THE HEALTH INSURANCE SYSTEM

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.医疗保险体系现代化对于保障全民享有基本医疗服务、提升医疗费用财务保障水平以及优化医疗服务质量至关重要。乌兹别克斯坦的医疗保险仍处于发展阶段，存在覆盖范围有限、公众认知度不足以及服务供给碎片化等问题。本研究探讨了该国医疗保险体系现代化的发展前景，评估了当前面临的各类挑战，并提出了可提升体系效率、服务可及性与可持续性的战略举措。本研究采用法律分析、统计梳理与国际比较研究的方法，明确技术融合、政策改革以及公私合作伙伴关系是推动体系现代化的核心驱动因素。研究结果显示，扩大医保覆盖范围、搭建用于理赔与服务管理的数字化平台，以及引入基于绩效的医保报销机制，能够显著改善居民健康结局并提升体系的财务可持续性。研究建议聚焦于完善相关立法、推进数字化建设、加强能力建设，以及接轨国际最佳实践，从而在乌兹别克斯坦构建一套全面、高效且包容的现代化医疗保险体系。