Insurance companies in Tajikistan: websites and license checks
A guide to the websites of insurance companies in Tajikistan: the insurance products and online services they offer, how to choose an insurer and check it on the National Bank's list.
People usually look for an insurance policy when they need it urgently: before buying a car, travelling abroad or taking out a loan. An insurer's website helps you find out in advance which types of insurance the company offers, where its offices are and what to do when an insured event occurs. Below is a guide to the websites of insurers that appear on the National Bank of Tajikistan's list of professional insurance market participants.
Insurers with detailed websites
Tojiksugurta is a state unitary enterprise headquartered in Dushanbe. Its website is available in Tajik, Russian and English and brings together types of insurance, a list of regional branches, documents, activity reports and news.
Sughurtai Avvalini Milli describes compulsory motor third-party liability insurance, comprehensive car cover (KASKO), and health and property insurance. There are separate sections for individuals and corporate clients, as well as online consultations.
Muin also runs a trilingual website. Besides types of insurance for individuals and companies, it publishes its license, financial reports and company news.
Mehnat groups its products by audience: individuals, businesses and travellers. The website has a section explaining what to do when an insured event occurs.
Life, health, cars and property
Insurance of the 21st Century offers, in Russian and Tajik, accident insurance, life and health insurance, property insurance and car insurance.
Itminon runs a Tajik-language website describing car, property, health and business insurance.
The National Bank's list also includes other companies whose websites provide information about their insurance products and contact details:
- Bima, an insurer headquartered in Dushanbe;
- DS Insurance, a Dushanbe-based insurer whose website goes by the name DC Sughurta;
- Eskhata Sughurta, an insurer headquartered in Khujand.
How to choose an insurance company
Start with what exactly you need to insure. A car owner needs a company that offers compulsory motor liability and KASKO; a family may look for life, health and accident insurance; a business needs corporate products and property insurance.
Then look at how convenient the service is:
- whether the website has a clear section on insured events and how to file a claim;
- where the offices and branches are, which matters if you live outside Dushanbe;
- whether you can get advice online;
- which languages the information is available in.
Before signing a contract, read the insurance rules carefully: what counts as an insured event, what the exclusions are, which documents you will need for a payout and how soon you must report an incident.
How to check an insurer's license
The country's insurance market is supervised by the National Bank. The regulator publishes a list of professional insurance market participants with the names, addresses and websites of the organisations. Before buying a policy, find the company on the list kept by the National Bank of Tajikistan and make sure the website address matches the one the regulator gives. Some insurers, such as Muin, also publish their license on their own website; that is convenient, but the National Bank's list remains the primary source. If the company is not on the list or the website address differs, check with the regulator before signing a contract, and do not send money via links from random messages.
All insurers' websites are collected in the catalog.tj catalog.
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