Yusupov Akbar Khaydarovich
Independent Researcher, Tashkent State University of Economics
Email:akbar.yusupov.89@mail.ru
ORCID:0009-0000-6073-4637
Abstract. This article provides a comprehensive analysis of foreign experience in ensuring public well-being through the development of insurance services, systematises its theoretical and methodological foundations, and develops practical recommendations adapted to Uzbekistan’s conditions. The paper also investigates the theoretical and methodological foundations of welfare provision through insurance (the theory of welfare regimes), comparatively analyses the impact of insurance systems on welfare in leading foreign countries (based on the Bismarck, Beveridge, and market models), examines the dynamics of global social protection coverage and financing gap, evaluates the impact of insurance services on public well-being in Uzbekistan, and prepares practical proposals for adapting foreign experience to national conditions.
Keywords: insurance and welfare, welfare regimes, Bismarckian model, Beveridgean model, Market-based model, redistribution paradox, universal coverage, mutual insurance, health insurance.
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