Insurance services for individuals and businesses

Choose the right insurance program. All services come with clear terms and support.

For Individuals

Insurance for life, health, and property

OSAGO

OSAGO is a mandatory insurance of civil liability for vehicle owners, which provides financial protection in the event of damage to life, health, or property of third parties as a result of a road traffic accident.

What to do after a traffic accident under OSAGO

If you have been involved in a road traffic accident, it is important to act calmly and systematically. On this page, you will learn what steps to take after an accident, what documents may be required, and how to report the insured event to ARSENAL‑KYRGYZSTAN Insurance Company (CJSC).

The Cost of OSAGO in the Kyrgyz Republic

The cost of an OSAGO policy depends on the vehicle category and other factors stipulated by the legislation of the Kyrgyz Republic. Find out how the compulsory insurance premium is calculated and what determines its amount.

Insurance payments under OSAGO

The OSAGO insurance payment allows compensation for damage caused to life, health, or property of victims (third parties) as a result of a road traffic accident. Find out how the settlement of an insured event proceeds, what documents may be required, and how to receive the insurance compensation.

Documents for OSAGO Insurance

To obtain an OSAGO policy, it is necessary to provide documents confirming the identity of the policyholder and information about the vehicle. The list of required documents may vary depending on whether the policy is being issued by an individual or a legal entity.

OSAGO Legislation in the Kyrgyz Republic

Compulsory civil liability insurance for vehicle owners is regulated by the legislation of the Kyrgyz Republic. This page provides key information on the current regulatory legal acts, the rights and obligations of insurance participants, as well as plain‑language explanations.

Frequently Asked Questions about OSAGO

Answers to the most frequently asked questions about OSAGO: policy issuance, cost, insurance payouts, actions in case of an accident, and the legal requirements of the Kyrgyz Republic.

CASCO

CASCO is a voluntary type of vehicle insurance that provides financial protection for a car against various risks, including road accidents, theft, unlawful actions of third parties, natural disasters, and other events stipulated in the insurance contract.

CASCO premium

The cost of a CASCO policy is calculated individually and depends on the vehicle's specifications, the selected insurance program, and other factors. Specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" will help you choose the optimal solution and calculate the insurance premium.

What does CASCO cover?

A CASCO policy provides protection for your vehicle against a wide range of risks specified in the insurance contract. Depending on the chosen program, coverage may include road accidents, theft, unlawful actions of third parties, natural disasters, and other events.

What to Do in the Event of a CASCO Insurance Claim?

In the event of an insured incident under a CASCO policy, it is important to remain calm, ensure the safety of those involved, and promptly notify the insurance company of what has happened. Following the established procedure will help expedite the review of the claim and the settlement of the insured event.

CASCO Insurance Payouts

In the event of an insured incident under CASCO, the insurance company reviews the claim, verifies the submitted documents, and makes a decision in accordance with the terms of the insurance contract. The settlement procedure depends on the circumstances of the incident and the selected CASCO program.

Documents for CASCO Registration

To apply for a CASCO policy, you will need to provide documents necessary for identifying the owner, the vehicle, and determining the insurance terms. The exact list depends on the client category, vehicle type, and the chosen insurance program.

Deductible in CASCO

A deductible in CASCO is a portion of the loss that, in cases specified by the contract, remains the responsibility of the policyholder. Choosing a program with a deductible may affect the cost of the policy, so it is important to understand how it works before concluding the insurance contract.

Frequently Asked Questions about CASCO

This page contains answers to the most frequently asked questions about voluntary CASCO insurance. Here you will find information about policy issuance, insurance coverage, documents, payouts, deductibles, and what to do in the event of an insured incident.

Voluntary Medical Insurance (VMI)

Voluntary Medical Insurance (VMI) is an insurance protection program that provides the insured person with access to medical services within the limits of the chosen program. VMI helps to receive timely medical care, plan treatment expenses, and provides additional financial protection when seeking medical services.

VMI Programs

Voluntary medical insurance programs allow you to select the scope of medical care in accordance with the needs of the insured person or organisation. The terms, list of medical services, sum insured, territorial coverage, and other parameters are determined by the chosen program and the insurance contract.

What does VMI cover?

VMI can provide access to medical care in the scope specified by the chosen program and the insurance contract. The list of services may include doctor consultations, diagnostics, laboratory tests, outpatient and inpatient treatment, and other types of medical care.

Cost of VMI

The cost of VMI is determined individually and depends on the chosen insurance program, the scope of medical coverage, the number of insured persons, the term of the contract, and other conditions. To find out the cost of a suitable program, contact the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN".

Corporate VMI for Employees

Corporate VMI is a voluntary medical insurance program for employees of an organisation, which provides additional medical protection in accordance with the terms of the chosen program and the insurance contract. The employer can select the necessary scope of medical coverage taking into account the needs of employees and the company's capabilities.

Healthcare Providers under the VMI Program

Under a voluntary medical insurance program, the insured person receives medical care at medical facilities provided for in the terms of the chosen program. The list of available organisations, types of medical services, and the procedure for seeking care are determined by the insurance contract.

Documents for Voluntary Medical Insurance

To apply for VMI, it is necessary to provide information and documents required by the terms of the chosen program and the insurance contract. The list may differ for individuals, family, and corporate insurance. It is recommended to clarify the exact list of documents with the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN".

Insured Event under VMI

An insured event under VMI is an occurrence provided for in the terms of a specific voluntary medical insurance contract. When medical care is needed, it is important for the insured person to act in accordance with the program terms, follow the established procedure for seeking care, and clarify in advance whether approval from the insurance company is required.

Frequently Asked Questions about VMI

Answers to the main questions about voluntary medical insurance: VMI programs, cost, medical facilities, documents, insured events, procedure for seeking medical care, coverage, and limitations. The insurance terms are determined by the chosen program and the contract.

Accident Insurance in Kyrgyzstan

Accident Insurance is a voluntary type of insurance that provides financial protection for the insured person in the event of an accident covered by the contract. The insurance terms, list of risks, amount of the sum insured, and the procedure for insurance payment are determined by the chosen program and the insurance contract.

For Businesses

Comprehensive business protection

Vehicles

Insurance Product "AUTOCASCO"

A traditional insurance product for vehicle owners.

The following may be insured under this type of insurance:

Cars, trucks, and other types of vehicles;

Additional equipment. Additional equipment means equipment and accessories that are either not included in the vehicle's factory-standard configuration or are recognized as additional equipment by agreement of the parties.

Property insurance

The object of insurance is the property interests of the Policyholder (Beneficiary) associated with the risk of loss/destruction or damage to the insured property specified in the insurance contract (insurance policy), as well as with the risk of the Policyholder incurring unforeseen expenses due to an interruption in production/commercial activities.

Aircraft insurance (AVIACASCO)

The object of insurance is the property interests of the Policyholder (Beneficiary) related to the ownership, use, and disposal of the aircraft or its individual unit specified in the insurance contract, resulting from its destruction, missing in action, or damage.

Commercial and financial risks insurance

The object of insurance is the property interests of the Policyholder, who is a creditor under the transaction, associated with causing him damage as a result of non-fulfillment (improper fulfillment) of contractual obligations by the Policyholder's counterparty

Civil liability of owners of temporary storage warehouses / customs warehouses

The object of insurance is the property interests of the Policyholder related to his obligation, in accordance with the procedure established by the civil legislation of the Kyrgyz Republic, to compensate for losses of third parties (Beneficiaries) arising as a result of harm caused to goods stored in the warehouse, or violation of other terms of storage contracts with these persons.

Third party liability insurance

The object of insurance is the property interests of the Policyholder (or the Person whose liability risk is insured), which do not contradict the current legislation of the Kyrgyz Republic, associated with the risk of incurring liability for causing harm to the life, health, or property of citizens, property of legal entities, municipalities, or subjects of the Kyrgyz Republic.

Civil liability insurance of customs representatives

The object of insurance is the property interests of the Policyholder related to his obligation, in accordance with the procedure established by the civil legislation of the Kyrgyz Republic, to compensate for losses of the Represented persons arising as a result of harm caused to the property of the Represented persons or violation of contracts with these persons.

Compulsory insurance of civil liability of organizations operating hazardous production facilities

The object of insurance is the property interest of an organization operating hazardous production facilities, related to the obligation established by the civil legislation of the Kyrgyz Republic to compensate for harm caused to the life, health, and/or property of third parties, as well as the natural environment, as a result of an accident at a hazardous production facility.

Compulsory insurance of civil liability of the carrier of dangerous goods

The object of insurance is the property interests of the Policyholder related to his obligation, established by the civil legislation of the Kyrgyz Republic, to compensate for damage caused to the life, health, material assets of third parties, and the environment during the transportation of dangerous goods.

Compulsory insurance of carrier's civil liability to passengers

The object of insurance is the property interests of the Policyholder (Carrier) related to the obligation to compensate for harm caused to the life, health, and/or damage to the property of passengers, i.e., passengers' luggage, during each of their transportation by road, air, rail, or water transport.

Compulsory insurance of the employer's civil liability for harm caused to the life and health of an employee while he is performing his labor (official) duties

The object of insurance is the property interest of the Policyholder related to his obligation to compensate for harm caused to the life and health of an employee while he is performing his labor (official) duties.

Voluntary health insurance

The object of voluntary health insurance is the property interests of the Insured Person (individual) related to the payment for the organization and provision of medical and medicinal assistance (medical services) and other services due to a health disorder of the individual or a condition of the individual requiring the organization and provision of such services, as well as the implementation of preventive measures that reduce the degree and/or eliminate threats dangerous to the life or health of the individual.

Medical expenses insurance when traveling abroad

This type of insurance covers expenses incurred during the Insured Person's stay in the territory of a foreign state, in connection with the need to receive medical assistance, carry out repatriation, and receive other medical services, including transportation.

Accident insurance

Life is full of accidents and, sometimes, unpleasant ones. However, there is an opportunity to mitigate their consequences. Accident insurance can be conducted in individual and collective forms (at the expense of the enterprise), thereby increasing the company's level of social responsibility of business, the employer's reputation, and employee loyalty. This is one of the simple and modern ways to protect yourself and your staff in the conditions of our unpredictable life.

Cargo insurance

The object of insurance is the property interests of the Policyholder (Beneficiary) that do not contradict the legislation of the Kyrgyz Republic, related to the ownership, use, and disposal of transported cargo. Cargo means property accepted in the established manner for carriage or transportation.

Inventory insurance

We believe that insuring goods in a warehouse is a must! In this matter, our company provides professional assistance to its clients!

SC "ARSENAL-KYRGYZSTAN" JSC offers insurance of inventory, both for large manufacturing enterprises and wholesale companies storing goods in warehouse complexes, and for small retail stores.

Goods insurance is a popular type of insurance, as practice shows that many troubles can happen to goods. Almost every day you can read in the news about new fires in warehouses or store robberies.