PROFESSIONAL LIABILITY INSURANCE IN THE MEDICAL BUSINESS: BALANCING THE INTERESTS OF PATIENTS AND DOCTORS

This thesis explores professional liability insurance in the medical business as a key mechanism for
ensuring a balance between the interests of patients and doctors. It examines the legal framework of
Uzbekistan, including the 2019–2025 Healthcare Development Concept and the draft Law “On
Medical Practice and Mandatory Professional Liability Insurance for Medical Workers.” Based on
the analysis of regulatory acts and expert opinions of the National Chamber of Innovative Healthcare,
the main problems and directions of reform are identified. A comparative legal study of international
experience (USA, Europe, Scandinavia, New Zealand, and Kazakhstan) demonstrates that an
effective insurance model should combine guaranteed compensation for patients with the protection
of doctors from excessive risks and unfounded claims. The study concludes that Uzbekistan’s
legislation requires improvement, taking into account international models, the development of a
transparent compensation mechanism, and the possible creation of a state guarantee fund. It is
emphasized that building an optimal insurance model is a dynamic process requiring continuous
monitoring and constructive interaction between the state, the medical community, insurers, and
patients.