What BIMA Insurance does

BIMA Insurance (legal name: ООО 'Страховая и перестраховочная организация БИМА' / LLC Insurance and Reinsurance Organization BIMA) is a privately held Tajikistan-domiciled insurance and reinsurance company founded in 2014 and headquartered in Dushanbe. It operates as a multi-line insurer serving both individual consumers and corporate/business clients across Tajikistan, with branch offices in Khujand (Sughd region) and Bokhtar (Khatlon region) and a nationwide policy delivery service covering the entire country within 1-7 days. The company has held a leadership position in Tajikistan's corporate insurance segment for 7+ years and also claims leadership in insurance claim payouts.

The company's product portfolio is split between standardized retail 'box' products (apartment, home, family accident, children's health, personal security, job loss, retail auto) and full corporate programs (property, motor fleet, cargo, construction/installation risks, general civil liability, product liability, D&O, financial institution/Bankers Blanket Bond, group accident, voluntary medical, and travel). Distribution combines a direct-to-consumer digital channel — bima.tj website, iOS/Android mobile app, and short phone number 5511 — with sales-led corporate acquisition, bank-linked insurance through partner banks (e.g., First MicroFinance Bank, Bono Rushdi Tojikiston), and corporate partner channels (EBRD, Aga Khan Fund, Salini Impregilo, ZET-MOBILE, AUCHAN Tajikistan, Jubilee Kyrgyzstan). Pricing for consumer products is publicly disclosed in Tajik Somoni (TJS) at low price points (365-1,700 TJS), while corporate and travel programs are quote-based.

Underlying the operations is a proprietary technology stack: the TIAS (Technological Information Automated System) handles policy accounting, premium collection, and claims processing; the BIMA mobile application supports policy management, medical facility lookup, online consultations, and claims submission; and the website is powered by AISWARE. The company also runs an in-house Training Center, established 2021, that conducts nationwide financial literacy programs and professional training, and it holds National Bank of Tajikistan insurance license ФС №000057 (dated 01.05.2025) and membership in the National Association of Insurance Organizations of Tajikistan. Travel insurance services rely on a core partnership with Europ Assistance for worldwide medical assistance and emergency evacuation.

Name

BIMA Insurance

Legal name

ООО "Страховая и перестраховочная организация БИМА"

Website

https://bima.tj

Company type

Private

Founded year

2014

Operating status

Operating

Short description

BIMA Insurance is a Tajikistan-domiciled, privately held multi-line insurer founded in 2014, headquartered in Dushanbe. It sells standardized retail 'box' insurance products and full corporate insurance programs to individual consumers, businesses, and bank credit customers across Tajikistan via digital, phone, branch, partner-bank, and nationwide delivery channels.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Group Travel & Corporate Travel Accident Insurance (FSAJAJAK)

Keywords

• Retail insurance products
• Corporate insurance programs
• Auto insurance
• Property and casualty insurance
• Voluntary health insurance

Headquarters

HQ city

Dushanbe

HQ country

Tajikistan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Property Insurance: Insurance coverage for residential and commercial property against fire, flooding, theft, and other perils. Includes apartment insurance ('Salom, Sosed!'), private home insurance ('Havlii man'), and corporate property insurance.
2. Motor/Auto Insurance: Auto insurance programs including mandatory civil liability and voluntary CASCO-type coverage. Products include Standard (700 TJS), Comfort (1,000 TJS), Premium (1,700 TJS), and individual calculator-based programs.
3. Travel Insurance: Insurance for individuals traveling abroad, covering medical expenses, emergency evacuation, trip cancellation, baggage loss, and civil liability. Coverage amounts from 30,000 USD.
4. Corporate Insurance: Comprehensive corporate insurance programs including property, motor fleet, cargo, construction, medical, travel, directors & officers (D&O), product liability, and more for business clients.
5. Personal Accident and Health Insurance: Individual and family accident insurance programs ('Telokhranitel', 'Super family', 'Superhero') and voluntary medical insurance covering ambulance, inpatient, outpatient, and dental services.
6. Bank-linked Insurance Products: Insurance products distributed through banking partners, including credit life insurance, collateral insurance for vehicles and property in leasing/lending arrangements, and job loss insurance.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

BIMA Insurance is a Tajik insurance and reinsurance organization that underwrites and distributes a wide range of personal and corporate insurance policies — including pre-packaged "box" retail products (apartment, home, family accident, job loss, children's health), voluntary auto and travel insurance, and corporate programs covering property, fleet, cargo, construction, liability, D&O, medical, and financial institution risks. Products are sold direct to consumers through the bima.tj website, mobile app, and short number 5511, through partner banks, and via sales-led corporate distribution with nationwide policy delivery.

Product overview

BIMA Insurance operates as an insurance and reinsurance organization (LLC) headquartered in Dushanbe, Tajikistan, offering a comprehensive portfolio of insurance products. The company provides individual/b2c products through 'box' (pre-packaged) insurance products including apartment insurance (Салом, Сосед!), home insurance (Хавлии ман), family accident insurance (Суперсемейка+, Суперсемейка), personal security products (Телохранитель, Телохранитель+), children's health coverage (Супергерой), and job loss protection (Без паники!). For retail auto insurance, the company offers the Спокойствие за рулем program with three tiers (Standard, Comfort, Premium). Travel insurance covers medical emergencies abroad. Corporate/b2b offerings include property insurance, cargo insurance, construction risks, medical insurance, directors & officers liability, financial institution insurance, and group accident coverage. Banking products include collateral/leasing insurance for vehicles and property, plus priority and job loss insurance for borrowers. The company also operates a digital platform through its mobile application providing policy management, medical facility locator, online consultations, and claims submission.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Спокойствие за рулем) Voluntary auto insurance product for individual vehicle owners in Tajikistan, offering three tiered programs — Standard (700 TJS, third-party liability only), Comfort (1,000 TJS), and Premium (1,700 TJS, full coverage regardless of fault) — with 12-month terms and insured sums of 10,000 to 30,000 TJS.
• Travel Insurance Travel insurance for individuals traveling abroad from Tajikistan, covering medical expenses, emergency evacuation, trip cancellation, baggage loss, and civil liability, with worldwide assistance delivered through partner Europ Assistance.
• Apartment Insurance — Salom, Sosed! (Салом, Сосед!) Pre-packaged box insurance for apartment owners covering damage from fire, flooding, explosions, natural disasters, theft, and smoke, including liability coverage for damages caused to neighbors.
• Private Home Insurance — Havlii man (Хавлии ман) Pre-packaged insurance for owners of private homes covering damage from fire and natural disasters, with simplified payouts up to 2,000 TJS.
• Family Accident Insurance — Supersemeyka+ (Суперсемейка+) Family accident and health insurance covering emergency care, outpatient, inpatient treatment, medication, dental services, and accident compensation for the entire family.
• Job Loss Insurance — Bez Paniki! (Без паники!) Pre-packaged insurance covering job loss scenarios including company liquidation, staff reductions, early dismissal, and contract terminations by mutual agreement.
• Personal Accident Insurance — Telokhranitel (Телохранитель) Personal accident insurance available in standard and plus versions, providing protection in unexpected situations with options including hospital (stationary) treatment and emergency medicine.
• Children's Health Insurance — Supergeroi (Супергерой) Pre-packaged insurance providing financial assistance for treatment and recovery of children's health.
• Family Safety Insurance — Supersemeyka (Суперсемейка) Family safety net insurance providing financial protection in difficult and unexpected life situations.
• Corporate Property Insurance Corporate insurance program covering real estate, movable property, inventory, and loss of income from business interruption for legal entities in Tajikistan.
• Cargo Insurance Corporate insurance for goods in transit covering damage, loss, or destruction of cargo during transportation, with multiple coverage options.
• Construction and Installation Risks Insurance Corporate insurance covering financial losses from unexpected events during construction and installation works, including damage to property, equipment, and civil liability exposure.
• Corporate Medical Insurance Corporate medical insurance program that compensates employee healthcare expenses through a network of partner medical institutions across Tajikistan.
• Anti-CoronaVirus Corporate Insurance Specialized corporate insurance providing financial protection for employees against coronavirus infection, with three coverage tiers ranging from 100 to 300 TJS premium and corresponding benefit amounts.
• Bankers Blanket Bond (Financial Institution Insurance) Comprehensive insurance for financial institutions protecting against losses arising from dishonest and fraudulent activities.
• D&O Insurance (Directors and Officers Liability) Liability insurance covering directors and executives of legal entities for financial losses arising from unintentional errors or omissions in their professional duties.
• Corporate Accident and Illness Insurance Group insurance for employees covering accidents and illnesses, providing financial protection for employees and their families.
• Vehicle Collateral / Leasing Insurance Insurance product distributed through partner banks that protects borrower obligations to credit organizations for vehicles held as collateral or under leasing arrangements.
• Property Collateral / Leasing Insurance Insurance product distributed through partner banks that protects borrower obligations to credit organizations for property held as collateral or under leasing arrangements.

Quantifiable outcome

• Property insurance claim payment within 14 business days
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

14 partnerships are on record, tiered minor and core.

• DOROB FightminorStrategic or Co-development Partner · 15 May 2026BIMA signed a memorandum of cooperation with DOROB Fight, a sports/fighting organization. The partnership aims to synergize efforts in supporting a healthy lifestyle, sports, and reliable protection. Joint projects, special offers, and shared activities are planned as part of this collaboration.
• Salini ImpregilominorChannel Partner/ Reseller/ DistributorSalini Impregilo, a large international construction company operating in Tajikistan, partners with BIMA for construction and engineering risk insurance.
• Europ AssistancecoreStrategic or Co-development PartnerEurop Assistance serves as BIMA's international assistance partner for travel insurance services. They provide 24/7 worldwide medical assistance, emergency evacuation, and repatriation services for BIMA's international travel insurance policyholders. This partnership ensures high-quality assistance services for BIMA's VZR (travel) clients.
• Charitable Fund MuzaffarminorOthersBIMA partners with the Charitable Fund Muzaffar for corporate social responsibility and charitable activities. The fund focuses on supporting low-income families, children with disabilities, educational projects, and environmental initiatives including large-scale greening programs. BIMA employees participate in volunteer activities including clothing collection and sorting, and delivery of charitable aid.
• First MicroFinance Bank (Parvamroi Mikromoliyaviibank)minorChannel Partner/ Reseller/ DistributorFirst MicroFinance Bank distributes BIMA insurance products to its banking customers, including vehicle insurance for collateral/leasing arrangements and other bank-linked insurance products.
• ZAO Bono Rushdi TojikistonminorChannel Partner/ Reseller/ DistributorBono Rushdi Tojikiston distributes BIMA insurance products to its banking customers as part of lending/credit arrangements.
• European Bank for Reconstruction and Development (EBRD)minorChannel Partner/ Reseller/ DistributorEBRD partners with BIMA for insurance services related to development finance projects and activities in Tajikistan.
• ZET-MOBILEminorChannel Partner/ Reseller/ DistributorZET-MOBILE serves as a distribution channel for BIMA insurance products, leveraging its telecommunications customer base.
• AUCHAN TajikistanminorChannel Partner/ Reseller/ DistributorAUCHAN Tajikistan serves as a distribution channel for BIMA insurance products, leveraging its retail customer base.
• Aga Khan Fund for DevelopmentminorChannel Partner/ Reseller/ DistributorThe Aga Khan Fund for Development partners with BIMA for insurance services related to development projects in Tajikistan, including coverage through the Aga Khan Medical Centre in Khorog.
• Jubilee KyrgyzstanminorOthersJubilee Kyrgyzstan, a regional insurance company, partners with BIMA for cross-border or regional insurance cooperation in Central Asia.
• National Association of Insurance Organizations of TajikistanminorOthersBIMA holds a membership certificate in the National Association of Insurance Organizations of Tajikistan, indicating membership in the national insurance industry body.
• AISWAREcoreTechnology or IntegrationAISWARE is identified as the technology provider powering the bima.tj website (noted as 'powered by AISWARE' in the footer of all pages). AISWARE provides the underlying technology platform for BIMA's digital presence.
• Moscow State University (Lomonosov) GraduatesminorOthersBIMA's Training Center hosted defense of graduate projects by Moscow State University (MSU) graduates. Outstanding candidates were offered internship positions with potential for future employment at BIMA.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Jubilee Kyrgyzstan Insurance: Central Asian insurance carrier operating in Kyrgyzstan with multi-line P&C and personal insurance offerings. BIMA explicitly names Jubilee Kyrgyzstan as a regional insurance partner, making it the closest regional peer in product mix and geography.

Broad incumbents

• Halyk Insurance (Halyk Bank group): Largest bank-insurance group in Kazakhstan offering broad P&C, life, and health products through an extensive branch and digital network. Comparable to BIMA as a multi-line, bank-distributed insurer operating in the broader Central Asian market.
• INGOSSTRAKH: One of Russia's largest multi-line P&C insurers offering property, motor, liability, accident, and corporate programs. Comparable to BIMA in its broad retail + corporate product portfolio and tiered coverage structure.
• RESO-Garantia: Major Russian multi-line insurer with strong retail auto and property products and nationwide branch/agent network. Comparable to BIMA's emphasis on standardized retail insurance products with multi-channel distribution.
• AlfaStrakhovanie: Large Russian multi-line insurer covering P&C, health, accident, travel, and corporate lines including D&O and cargo. Comparable to BIMA in its comprehensive product portfolio spanning retail and corporate segments.
• SOGAZ: Russia's largest insurer by premium volume, with strong corporate, construction, energy, and D&O practices. Comparable to BIMA in providing comprehensive corporate insurance programs including construction, liability, and asset coverage.
• Allianz: Global multi-line insurer offering P&C, health, accident, travel, and corporate coverage worldwide. Comparable to BIMA in offering accident, travel, and corporate insurance products in emerging and developed markets.
• AIG: Global multi-line insurer with strong accident, travel, and corporate liability practices. Comparable to BIMA's product lines, particularly its personal accident, travel, and D&O offerings.

Emerging players

• Kaspi.kz (Kaspi Insurance): Kazakhstan's leading fintech super-app increasingly distributing insurance products via its mobile platform. Comparable to BIMA in its focus on digital-first, mobile-led insurance distribution within Central Asia.

Others

• Europ Assistance: Global travel assistance and insurance services provider. Directly relevant to BIMA as its named partner for international travel insurance assistance, and adjacent as an enabling service provider in the broader insurance value chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCil9_39psuG2MXvDBdKqraQ
• Facebookfacebook.com/bima.tj
• LinkedInlinkedin.com/company/10004574
• Instagraminstagram.com/bima__insurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BIMA Insurance