XVII International Conference
«Insurance in Central Asia»

The International Conference “Insurance in Central Asia”  traditionally brings together insurers, reinsurers, brokers, regulators, investors and technology companies to discuss the key changes shaping the region’s insurance market.

In 2026, the conference will focus on how the insurance sector is adapting to a new economic reality: the fragmentation of the global economy, the restructuring of logistics chains, the growing impact of geopolitical, climate and cyber risks, and changing customer demand driven by demographics and household incomes.

The conference combines strategic discussion with practical business solutions, enabling participants not only to discuss the future of the insurance market in Central Asia, but also to gain ideas for developing their own business today.

Day 1. Markets, Reforms and Systemic Risks

Session 1

Insurance Markets of the EAEU and Central Asia: New Economic Reality, Risks and Growth Prospects

The global economy is undergoing structural change: geo-economic fragmentation is intensifying, trade routes and logistics chains are being reshaped, and the role of regional financial and infrastructure hubs is increasing. For the EAEU and Central Asian countries, this creates a new risk landscape and new opportunities for the development of the insurance sector.

The session will bring together representatives of regulators, professional associations and the rating community to compare approaches to the development of insurance markets in the EAEU and Central Asia.

Key issues:

• current state and prospects of insurance markets in the EAEU and Central Asia;
• impact of geo-economic fragmentation on insurance, reinsurance and the investment environment;
• credit quality, profitability and resilience of insurance markets in the region;
• the role of insurance in supporting economic resilience, trade, infrastructure and transit corridors;
• common challenges for regulators and market participants;
• new growth opportunities for insurance business in the region.

Session 2

Insurance Market and Reforms: Capital, Resilience and New Business Models

This session will focus on the prospects for insurance market reform and on how market participants assess new opportunities and challenges for the development of the insurance sector. The discussion will cover financial resilience, quality of capital, the investment role of insurers, development of new insurance products and growth channels, reinsurance, market infrastructure and changing business models.

Key issues:

• which areas of insurance market reform are most important for business;
• how requirements for capital, resilience and quality of risk management are changing;
• how the insurance sector can become a source of long-term capital for the economy;
• what new business models may emerge at the intersection of insurance, investment, digital services and customer ecosystems;
• how life and non-life companies can develop joint or adjacent products;
• what infrastructure solutions the market needs: data, actuarial analytics, guarantee mechanisms and digital services;
• how to balance regulation, competition and commercial efficiency.

Session 3

Systemic Risks and Insurance Protection: Catastrophes, Housing, SMEs, Reinsurance and Cyber Threats

The region’s economy is becoming more vulnerable to systemic shocks: natural catastrophes, climate risks, infrastructure failures and cyber threats. For the insurance market, this means the need to expand insurance protection, develop reinsurance and create new products for households and businesses.

Key issues:

• catastrophe and weather risks in Central Asia;
• insurance of housing, property and infrastructure against natural catastrophes;
• expansion of insurance protection for small and medium-sized businesses;
• the role of reinsurance in covering large and systemic risks;
• cyber threats, digital security and the development of cyber insurance;
• limits of insurability of systemic risks.

Session 4

MTPL and Motor Insurance: Pricing, Loss Ratio, Scoring, Antifraud and Digital Claims Handling

Motor insurance remains one of the key segments of the insurance market and one of the most sensitive topics for insurers, regulators and consumers. This session will focus on the sustainability of compulsory motor insurance, loss-ratio management and the technological transformation of motor insurance portfolios.

Key issues:

• economic sustainability of compulsory motor third-party liability insurance;
• pricing model, bonus-malus and risk-based pricing;
• rising repair costs and the impact of inflation on loss ratios;
• AI segmentation, antifraud and scoring models;
• digital vehicle inspection, direct claims settlement, European Accident Statement and automation of claims processes;
• international experience in reforming compulsory motor insurance.

Day 2. Customer, New Products, Sales and Technology

Session 5

Next-Generation Customer Protection: Health, Income, Ability to Work and Quality of Life

The session will focus on the development of insurance products that respond to changing customer life scenarios: rising healthcare costs, the need to protect income, care for family, savings and long-term financial resilience. The focus will be on products at the intersection of life and non-life insurance, corporate programs, voluntary insurance and digital customer support services.

Key issues:

• which protection products will be in demand in the coming years;
• insurance of income, ability to work and financial resilience of the family;
• critical illness, accident and other personal protection products;
• voluntary health insurance and corporate programs as part of comprehensive customer protection;
• savings and hybrid products;
• digital assistance and the service component of insurance products;
• opportunities for cooperation between life and non-life companies;
• how to increase the value of insurance for the customer.

Session 6

The New Insurance Customer: Income, Behavior, Financial Literacy and Demand

A practical session on how the insurance customer is changing: financial behavior, expectations, price sensitivity and willingness to buy insurance protection. Special attention will be given to developing voluntary demand and improving insurance literacy.

Key issues:

• how customer financial behavior is changing;
• differences in demand across generations and customer segments;
• customer sensitivity to price, service and ease of purchase;
• development of voluntary demand for insurance;
• customer segmentation and retention;
• financial literacy as a driver of insurance market growth.

Session 7

Ecosystems, Embedded Insurance and Digital Distribution: How to Grow Faster than the Market

One of the key practical sessions of the conference will focus on new distribution channels and partnership-based insurance business models. Insurance is increasingly becoming part of banking, fintech, retail and service ecosystems, changing the customer journey and the way insurance products are promoted.

Key issues:

• embedded insurance within digital services;
• bancassurance, fintech and retail ecosystems;
• partner distribution channels and new sales models;
• digital funnels, conversion and customer retention;
• which insurance products work best in ecosystems;
• balancing sales growth, customer quality and regulatory requirements.

Session 8

AI, Data and Insurance Market Infrastructure: From Sales and Underwriting to Antifraud and Operational Efficiency

The final technology-focused session will bring together the interests of life and non-life companies and focus on the practical use of data, artificial intelligence and digital tools in insurance business.

Key issues:

• AI in underwriting, sales and claims handling;
• data analytics, risk scoring and product personalization;
• antifraud and anomaly detection in insurance portfolios;
• digitalization of insurance processes and development of market data infrastructure;
• operational efficiency and new digital tools for insurance companies;
• the role of data and actuarial analytics in insurance market development.

The program is currently under development and may be updated.