FAQ

Yes. Driving a vehicle without an MTPL insurance policy is prohibited by the legislation of the Kyrgyz Republic and is punishable by a fine.

The owner's passport, the vehicle registration certificate and the driver's license.

Call the traffic police, record the circumstances, do not leave the scene of the accident, and notify SIO via the hotline or through the “Insurance claim” form on the website within 3 business days.

From 1,680 KGS for a passenger car and from 2,900 KGS for a truck. The rate depends on the vehicle type, engine capacity and the driver’s experience; the calculator on the OSAGO page shows the exact amount.

The standard term is one year. Short-term contracts are possible in certain cases (for example, transit travel or temporary import of a vehicle) — please check with a specialist at 61-00-00.

MTPL covers the damage you cause to third parties — their life, health and property. Damage to your own car is not covered; KASKO or KASKO-Econom is designed for that.

The policy is issued for the vehicle. If the contract has no limit on the number of drivers, it is valid for anyone legally entitled to drive. If the list of drivers is limited, cover applies only to the persons named in the contract.

Visit any GSO branch with your passport or call the hotline at 61-00-00 to receive a duplicate. The electronic policy is always available in your personal account at online.gso.kg.

Notify GSO and submit an application: the contract can be terminated early or reissued to the new owner. The refund of part of the premium is governed by the contract terms and the legislation of the Kyrgyz Republic.

No, the policy is valid within the Kyrgyz Republic. For trips abroad you need cover valid in the destination country — please check the available options at 61-00-00.

Residential houses and apartments owned by citizens are subject to mandatory insurance against fire and natural disasters.

The rate depends on the type of housing and the region. The exact cost is shown by the calculator on the product page or can be confirmed by a specialist when the policy is issued.

From 1,200 KGS per year in cities and from 600 KGS in rural areas. The sum insured is fixed at 1,000,000 KGS with a 2% deductible. Discounts are available for certain categories of citizens.

The policy covers fire, smoke and firefighting damage, plus natural disasters: earthquakes of magnitude 6 or higher, mudflows, floods, avalanches, landslides, rockfalls, winds over 25 m/s, prolonged blizzards, hail over 20 mm and lightning. Relocation of property to a safe area by decision of state bodies is also covered.

The owner’s passport and a title document for the property: technical passport, a certificate from the village council, a sale contract, an inventory number or a cadastral plan.

On the product page, specify the insurance period and the owner’s details, add information about the property, complete electronic identification, sign the documents and pay the premium. The policy is issued electronically.

Mandatory housing insurance is governed by Law of the Kyrgyz Republic No. 209 of 31 July 2015 (as amended) and Cabinet of Ministers Resolution No. 473 of 13 September 2023.

Real estate (buildings, structures, interior finishing, utility networks), movable property (equipment, machinery, inventory, stock) and property complexes. The sum insured may not exceed the actual value of the object.

The base rate is 0.12% to 3.5% per year of the sum insured, with a minimum premium of 2,500 KGS. The final rate depends on the type of object, construction materials, its condition and security systems.

MTPL is mandatory insurance of your liability to third parties. KASKO is voluntary insurance of the car itself: it covers damage, total loss and theft of your vehicle, including when you are at fault.

Damage or loss of the car and its units, theft and carjacking, loss of market value (with the “Damage” risk selected), and damage to additional equipment — caused by accidents, fire, natural disasters, falling objects, animals and unlawful acts of third parties.

Full KASKO is priced individually: the base rate for passenger cars is 1.5–5.0% of the sum insured, with the standard plan from 15,000 KGS. KASKO-Econom starts at 7,000 KGS and KASKO-Extra at 1,680 KGS. A 2% sales tax applies to the premium.

Full KASKO is calculated individually from the car’s value with a wide choice of risks. KASKO-Econom offers fixed packages: S — 7,000 KGS with a 200,000 KGS limit, M — 8,750 KGS with 250,000 KGS, L — 10,500 KGS with 300,000 KGS. KASKO-Extra is a simplified plan from 1,680 KGS covering damage to your own car in an accident that is your fault.

A deductible is the part of a loss that is not reimbursed. In GSO’s KASKO it is 1.0–5.0% of the sum insured for the “Damage” risk and 10% for total loss, theft and glass breakage.

The policyholder’s passport, the vehicle registration certificate, driving licences of the authorised drivers, a diagnostic card (if available) and the pledge holder’s details if the car is pledged. The vehicle is inspected before the contract is concluded.

Scan the QR code on the certificate or enter its number on the “Certificate verification” page. The system will show the status and the owner's details.

GSO is the State Insurance Organization of the Kyrgyz Republic. It operates under licences issued by the State Service for Regulation and Supervision of the Financial Market; the official licences are published in the “About the company” section.

The head office is at 1 Ch. Aitmatov Avenue, Building 2, Bishkek. Branches operate in Bishkek, Chuy region, Osh, Jalal-Abad, Karakol, Naryn, Talas and Batken. Addresses and phone numbers are in the “Branches and sales points” section.

Hotline: 61-00-00 (free from mobiles in Kyrgyzstan), from abroad +996 312 61-00-00. E-mail: info@gso.kg. Working hours: Monday to Friday, 09:00–18:00; closed on Saturday and Sunday.

Fill in the feedback form on the website, write to info@gso.kg or call 61-00-00. Include your policy number and the essence of the issue — your request will be registered and a specialist will contact you.

Within GSO’s range, MTPL (motor third-party liability) and housing insurance against fire and natural disasters are mandatory. The other products — KASKO, health, property and travel insurance — are voluntary.

Product pages include calculators: enter the parameters — vehicle type, region, term or sum insured — and you will see an approximate price. The exact amount is confirmed by a specialist when the policy is issued.

Outpatient and inpatient care at partner clinics: specialist consultations, diagnostics, hospital treatment and emergency assistance. The exact list of services depends on the chosen programme.

The standard tariff starts at 12,000 KGS, with a 2% sales tax on the premium. The final cost depends on the programme, the number of insured persons and the list of clinics.

A passport and a completed health questionnaire. For corporate contracts, a list of employees is also provided.

Services are provided at GSO partner clinics. The current list of partners is set out in the contract and provided when the policy is issued — you can also check it by calling 61-00-00.

Yes, GSO offers corporate health insurance programmes. Terms, the list of clinics and the price are calculated individually — send a request to info@gso.kg or call 61-00-00.

The list of exclusions is set out in the insurance rules and in the contract: usually these are services outside the chosen programme and the partner clinic network. Check the full list with a specialist beforehand.

Travel insurance covers your trip abroad. The policy pays for medical and emergency assistance abroad and is often required when applying for a visa. BRONZE, SILVER and GOLD programmes are available.

You can choose a limit of USD 15,000 or USD 30,000. Cover applies in the countries listed when the policy is issued: Asia, the CIS, Africa, Oceania and Australia, Schengen and European countries, North and South America.

Prices start at 350 KGS and depend on the programme, the coverage limit, the length of the trip and the list of countries. The premium is converted into som at the National Bank rate, with a 2% sales tax.

Yes — when taking out the policy you can select cover for Schengen and European countries. Be sure to list every country you will visit and check the required limit against the consulate’s requirements.

A foreign passport for each insured person, the departure and return dates, and the list of destination countries. The policy can be issued online or at a GSO branch.

Before going to a clinic, call the assistance company listed in your policy — it will arrange the treatment. Keep all medical documents and receipts and notify GSO within the period stated in the contract.

Yes — the GSO NOMAD BRONZE programme provides accident insurance for tourists entering the Kyrgyz Republic, with limits from 50,000 to 750,000 KGS. It can be arranged online on the “Tourist insurance” product page.

Notify GSO within 3 business days of the event — via the hotline 61-00-00 or the form on the “Insured event” page. In case of a road accident, first call the traffic police.

Fill in the form on the “Insured event” page — policy number, date of the event, full name, phone, e-mail and circumstances. A specialist will then contact you. You can also visit any branch or call 61-00-00.

Stop and switch on the hazard lights, call the traffic police and, if needed, an ambulance, photograph the scene and the damage, then submit the form on the “Insured event” page and wait for a specialist to call.

The basic set: an application, the policy, the recipient’s passport and documents confirming the event and the amount of loss (certificates from the authorities, medical papers, invoices and receipts). The exact list depends on the type of insurance and is provided by a specialist after your claim is registered.

The review period starts once the full set of documents has been submitted and is set by the insurance contract and the legislation of the Kyrgyz Republic. You can check the status of your case on the hotline 61-00-00 or with your assigned specialist.

The main reasons are: the event is not among the insured risks, the insured did not notify GSO within the set deadline, inaccurate information was provided, or the loss does not exceed the deductible. The full list is given in the insurance rules and the contract.

Call the hotline 61-00-00 or write to info@gso.kg, quoting your policy number and the date of the claim. You can also check the status at the branch where the claim was filed.

The payout goes to the injured party — the person whose life, health or property was harmed. The driver at fault receives nothing for their own car under MTPL; KASKO or KASKO-Extra is needed for that.

Make sure people are safe and call the emergency services, photograph the damage, obtain a certificate from the competent authority (the Emergencies Ministry or local government) and notify GSO within 3 business days on 61-00-00 or via the “Insured event” form.

Yes. On the product page click “Apply online” to go to online.gso.kg, fill in your details, complete electronic identification, sign the documents and pay the premium. It takes 10–15 minutes and the policy is issued electronically.

You can pay online at online.gso.kg while taking out the policy, in cash or by card at a branch, and legal entities can pay against an invoice. The available methods are shown at the payment step.

The electronic policy is issued after payment and is available in your personal account at online.gso.kg — log in with a Kyrgyz ID or a phone number. If the document is lost, a duplicate can be obtained at any branch or by calling 61-00-00.

A cloud electronic signature (CES) is the electronic equivalent of a handwritten signature: it contains digital characters with the required data about its owner. A CES is a qualified electronic signature and meets the following criteria: • it is obtained through cryptographic transformation of information using a signature key; • it makes it possible to identify unambiguously the person who signed the electronic document; • it is created using electronic signature tools that the signatory is able to keep under their own control; • the signature verification key is specified in a qualified certificate; • the tools used to create and verify the signature have been certified as compliant with the requirements established under the Digital Code.

It replaces a signature on paper. The order is: you fill in your details, pass electronic identification, sign the contract and application with the cloud electronic signature, pay the premium and receive the policy electronically.

Yes. A cloud electronic signature is a qualified electronic signature, and a document signed with it is recognised as equivalent to a paper document under the Digital Code of the Kyrgyz Republic.

Log in to your personal account at online.gso.kg via the unified identification system or with your phone number — the system will confirm your identity. After the data check, confirm the signing with the code sent to your number.

Check that your details are entered exactly as in your passport and that the phone number is registered in your name, then request the code again. If the problem persists, call 61-00-00 or visit the nearest branch, where a specialist will issue the policy for you.

First check your personal account at online.gso.kg and your e-mail spam folder. If the policy is still missing, call 61-00-00 or write to info@gso.kg quoting the date and amount of the payment — the case will be checked and the document reissued.

Submit a request in the “Partners and agents” section or contact us at 61-00-00 or info@gso.kg. A specialist will explain the terms of cooperation, training and how the contract is concluded.

Companies can use corporate health insurance programmes, property and vehicle fleet insurance, as well as liability and cargo insurance. Terms and rates are calculated individually — send a request to info@gso.kg or call +996 (312) 61-00-01.

Send the list of employees, the desired programme and the preferred clinics to info@gso.kg — a specialist will prepare a quotation and a draft contract. Payment is made against an invoice and the policies are handed over to the employer.