About the Company

The State Insurance Organization (SIO) is a state-owned insurance company of the Kyrgyz Republic, established by Resolution of the Government of the Kyrgyz Republic No. 883 of 28 December 2015 and operating on the insurance market since 2016.

Ownership

The sole shareholder of the company is the state. The shareholder’s rights were initially exercised by the State Property Management Fund and then by the Ministry of Finance. By Decree of the President of the Kyrgyz Republic of 31 March 2026 these powers were transferred to the Presidential Administration Affairs Department. State ownership means that SIO’s obligations are backed by the state.

National reinsurance operator

By Order of the Cabinet of Ministers of the Kyrgyz Republic No. 459-r of 30 July 2024, SIO was designated the national reinsurance operator of the Kyrgyz Republic. In this capacity the company works on export credits and export-oriented financing, protection against commercial and political risks in trade and investment among the EAEU states, support for exports of jointly produced goods and the attraction of investment, and cooperates with the Eurasian Reinsurance Company while remaining the first-tier insurer.

What the company does

SIO writes both compulsory and voluntary classes of insurance — from motor third-party liability and housing cover to property, liability, cargo, health and travel insurance, including a range of takaful products:

• compulsory classes: MTPL, compulsory housing insurance, carrier’s liability, employer’s liability, hazardous facilities liability, dangerous goods carrier liability;
• motor: CASCO, CASCO-Extra, CASCO-Econom;
• property, liability and cargo: voluntary property, general liability, cargo;
• health and travel: accident and illness, outbound travel, inbound tourists;
• takaful: TDSI / DSIZI (Ijara), Takaful CASCO, Takaful travel.

The full catalogue with terms and prices is in the Insurance products section.

Service network

The head office is in Bishkek and branches operate in every region of the country — in Bishkek and in the Chuy, Osh, Jalal-Abad, Ysyk-Kol, Naryn, Talas and Batken regions. Addresses, phone numbers and opening hours are listed in the Branches section.

Digital services

The company’s main services are available remotely: choosing a product and applying, electronic identification, signing documents with an electronic digital signature, payment and receiving the policy in electronic form. A claim can also be submitted online and a certificate verified.

Regulation and supervision

The company is supervised by the State Service for Regulation and Supervision of the Financial Market of the Kyrgyz Republic: Bishkek, 114 Chui Avenue, +996 (312) 62 44 60, +996 (312) 62 44 70.

Contacts

Head office: Bishkek, 1 Ch. Aitmatov Avenue, building 2. Hotline +996 (312) 65‑08‑53, call centre 0 553 54 54 00 and 0 707 54 54 00, e-mail info@gso.kg. Opening hours: Monday to Friday, 9:00–18:00, lunch break 12:30–13:30.

Disclosure under the Law on Insurance and Insurance Activities

Law of the Kyrgyz Republic No. 89 of 29 April 2025 "On Insurance and Insurance Activities" has been in force since 3 November 2025. In accordance with Article 21 of the Law, the following information is published on the official website of SIO:

1. full name, address (location), telephone numbers and opening hours — the Contacts section of this page and the Branches section;
2. information on shareholders — the sole shareholder is the State; the shareholder's powers are exercised by the Presidential Affairs Administration of the Kyrgyz Republic (Investors);
3. information on senior officers — Leadership and Team;
4. licences for the types of insurance activity carried out — Official licences;
5. information on the types of activity carried out — Insurance products;
6. annual financial statements confirmed by an audit firm for the three preceding reporting years — Investors;
7. information on membership in associations (unions), including the association of insurance (reinsurance) organisations — Partner programmes;
8. measures to comply with the privacy policy — Your security;
9. company details — Requisites;
10. electronic specimen of the contract — on the page of the relevant product in the Insurance products section;
11. electronic format of the licence — Official licences.

If the company's name or the location of its permanent body changes, this information is published on the website within five working days (Article 21, part 5 of the Law).

The insurance rules for the classes in which a contract may be concluded electronically, together with the applicable tariffs and the terms and conditions of conclusion, are published on the pages of the relevant products (Article 20, part 3 and Article 7 of the Law).

When a policy is taken out online, the insurance contract is stored electronically and is available to the policyholder around the clock in the personal account, where the policyholder can also check the contract data, amend details, reissue or terminate the contract early, notify a loss and apply for an indemnity. Notice of conclusion of the contract, or of refusal with the reasons stated, is sent to the policyholder immediately by e-mail (Article 22, part 4 of the Law). At the policyholder's request, documents are provided on paper and as certified copies of electronic documents (Article 24, part 2 of the Law).

A complaint about the insurer may be submitted to the authorised body — the Service for Regulation and Supervision of the Financial Market under the Ministry of Economy and Commerce of the Kyrgyz Republic: Bishkek, 114 Chui Avenue, +996 (312) 62 44 60, +996 (312) 62 44 70 (Article 7 of the Law).