Client-Centric Insurance Solutions
GROSS currently offers 137 insurance products tailored to meet diverse client needs. The company’s portfolio includes all mandatory insurance types required by Uzbek law, as well as voluntary options such as liability insurance (professional and general), vehicle insurance (including cars, special equipment, rail, and air transport), property insurance (personal and commercial), financial risk insurance, and personal insurance (health, travel, accident).
Clients can choose policies with various add-on options, covering travel, health, automobiles, liability, property, and financial risks.
In spring 2024, GROSS became one of the first in the market to launch takaful (Islamic insurance) offerings. By summer, the product line expanded to 19 takaful-based options, including protection for vehicles, equipment, cargo, property, and health.
Omnichannel Customer Support
The GROSS customer support center operates 24/7. Policyholders can reach the company via the short number 1166 from anywhere in Uzbekistan, with direct operator access—no queues or answering machines. The @gross_sos Telegram hotline, the country's most popular communication channel, ensures quick help in emergencies.
GROSS also collects client feedback via Telegram channels, social media platforms (Instagram, Facebook, LinkedIn), and online map services (Google, Yandex, 2Gis), allowing for swift response and service quality improvement.
Travel policyholders are supported in 160 countries via the company’s assistance service. The medical support team is also available 24/7 to assist with inquiries and emergencies. GROSS clients have access to a partnership network of 300+ clinics and 500+ pharmacies across Uzbekistan.
The in-house emergency claims team is available round the clock to attend accident sites. This enables fast claims handling, fraud prevention, and consistent service quality in line with internal standards.
Digitalization and Accessibility
GROSS has optimized the policy purchase process, offering flexible service points across the country. Its network spans 48 branches in 35 cities, with over 1,500 licensed insurance agents.
GROSS was the first insurer in Uzbekistan to offer online policy issuance across all B2C product categories. Its insurance services are now accessible through various digital platforms: fintech apps, aggregators, telecom operator apps, financial marketplaces, auto service apps, and partner websites.
Leader in Claims Resolution
In 2023, GROSS received a special award for having the highest number of positively resolved insurance claims in Uzbekistan. According to the Competition Committee and Marketing Association of Uzbekistan, GROSS resolved 56,696 out of 57,022 claims—a remarkable 99.4% approval rate, with payouts exceeding 81 billion UZS.
The company continues to lead in 2024. As per the NAIP report, GROSS successfully resolved 97.7% of all claims submitted in the first 9 months of the year. Full-year figures will be announced in Q1 2025.
Social Responsibility and Community Impact
GROSS upholds a strong commitment to corporate social responsibility. The company has supported national and international sports events, including chess, mini-football, equestrian sports, golf, and athletics.
In 2024, GROSS became the official insurance partner of the national campaign “Men O’zbekistonlikman – qonimda g’alaba” supporting the Uzbek football team’s historic Olympic debut.
In 2023, GROSS launched the nationwide project “Xavfsiz Harakat” (Safe Movement), promoting road safety. While insurance can cover vehicle damage, it cannot restore health or life. That’s why GROSS took the lead in addressing driver education, safe pedestrian zones, and traffic rule compliance. Initiatives included reflective schoolbags, driver rewards for accident-free behavior, pedestrian infrastructure analysis, and amateur sports support.
These efforts are only the beginning. Future goals include creating a barrier-free urban environment, improving ecological conditions, and encouraging healthy lifestyles.
