Taiwan

Axco provides details on the life insurance sector including Tajikistan market participants, reinsurance and distribution channels. The reports describe classes of business from both individual and group life such as whole life, endowment, term life and unit-linked.
Information on non-life classes for example critical illness and private medical insurance.

The report describes the public and private healthcare system in Tajikistan, the scope of cover, accessibility financing and provides an analysis of how the public and private systems complement each other.

Axco reports on the three pillars of Tajikistan's pension provision.

• State pension benefits including benefit calculations and eligibility criteria 
• Workplace pension provision; types of schemes calculations eligibility and; tax implications
• Voluntary individual pension provision, type of products and tax implications

The Tajikistan report provides an in-depth analysis of the regulatory framework governing social security as well as details on financing and eligibility. Information includes but is not limited to

• state pensions,
• permanent disability benefit
• occupational accident and disease
• maternity and paternity payments 

The Tajik insurance market is very small and relatively undeveloped; Tajikistan has a low level of insurance penetration.

Gross written insurance market premiums in 2018 were TJS 234.20mn (USD 25.59mn), almost unaltered on the previous year when market premiums were TJS 235.85mn (USD 27.59mn). The first six months of 2019 showed an increase of 4.03% compared with the first six months of 2018; separate non-life and life premiums ....

There is a legislative framework in place for the gradual introduction of a multi-layered pensions system in Tajikistan, involving a: basic state guaranteed pension (pillar I) ; compulsory insured element (pillar II) ; savings element (pillar III) ....

Tajikistan adopted its own healthcare legislation after independence in 1991, largely modelled on the former Soviet legislation.

Since independence, funding to the state healthcare service has declined dramatically in real terms: as a result, facilities have become run-down and their equipment is dated. Although healthcare is supposed to be comprehensive and free, the reality is very different: unless paid for at point of delivery the level of service  ....