asuВестник Атырауского университета имени Халела ДосмухамедоваBulletin of the Khalel Dosmukhamedov Atyrau University2077-01972790-332XАтырауский университет имени Халела Досмухамедова10.47649/vau.26.v80.i1.53asu-2758Research ArticleПРАВОLAWПРАВОВОЙ АСПЕКТ РЕФОРМИРОВАНИЯ ОБЯЗАННОСТИ РАСКРЫТИЯ ИНФОРМАЦИИ В СТРАХОВАНИИ КАЗАХСТАНАLEGAL ASPECT OF REFORMING THE DUTY OF DISCLOSURE IN INSURANCE IN KAZAKHSTANhttps://orcid.org/0009-0003-0753-3651БайтерековаК.BaiterekovaK.

Камшат Байтерекова – докторант кафедры конституционного и гражданского права

ул. Сатпаева 2, 010000, г. Астана

Kamshat Baiterekova – doctor of legal sciences at the department of constitutional and civil Law,

Satpayev st. 2, 010000, Astana

k.baiterekova@mail.ruhttps://orcid.org/0009-0008-0457-7794СактагановаА.SaktaganovaA.

Акмарал Сактаганова – PhD, старший преподаватель,

ул. Сатпаева 2, 010000, г. Астана

Akmaral Saktaganova – PhD, senior lecturer, 

Satpaev st. 2, 010000, Astana

k.baiterekova@mail.ruhttps://orcid.org/0000-0002-9571-9223РысмагамбетоваГ.RysmagambetovaG.

Гульнара Рысмагамбетова – кандидат юридических наук, профессор кафедры уголовного права, процесса и криминалистики,

ул. Университетская 28, 100028, г. Караганда

Gulnara Rysmagambetova - doctor of law, professor of the department of criminal law, procedure and forensic science,

Universitetskaya st. 28, 100028, Karaganda

gulnaramusievna@bk.ruhttps://orcid.org/0000-0001-7218-197XСактагановаИ.SaktaganovaI.

Индира Сактаганова - кандидат юридических наук, профессор кафедры  конституционного и гражданского права,

ул. Сатпаева 2, 010000, г. Астана

Indira Saktaganova - doctor of law, professor of the department of constitutional and civil law,

Satpaev st. 2, 010000, Astana

Aridnis@mail.ruЕвразийский национальный университет имени Л.Н. ГумилеваКазахстанL.N. Gumilyov Eurasian National UniversityKazakhstanКарагандинский национальный исследовательский университет имени академика Е.А. БукетоваКазахстанKaraganda National Research University named after academician E.A. BuketovKazakhstanЕвразийский национальный университет имени Л.Н. ГумилеваКазахстанL.N.Gumilev Eurasian National UniversityKazakhstan202626052026801616626Copyright © Байтерекова К., Сактаганова А., Рысмагамбетова Г., Сактаганова И., 20262026Байтерекова К., Сактаганова А., Рысмагамбетова Г., Сактаганова И.Baiterekova K., Saktaganova A., Rysmagambetova G., Saktaganova I.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://asu.ejournal.kz/jour/article/view/2758

В статье рассматриваются глобальные тенденции реформирования обязанности раскрытия информации до заключения договора страхования. Основная цель исследования – на основе сравнительного анализа законодательных инноваций в Великобритании, Австралии, Новой Зеландии, Сингапуре и странах Европейского Союза разработать практические рекомендации для Казахстана. Международный опыт выявляет четкий тренд, ориентированный на защиту страхователей: переход к модели, основанной на запросах страховщика, которая смещает бремя раскрытия с потребителя, а также к системе пропорциональных гарантий и счетных условий. Цель статьи — на основе сравнительного анализа международных подходов к раскрытию информации до заключения договора страхования разработать практические рекомендации по совершенствованию страхового законодательства Республики Казахстан, направленные на повышение прозрачности рынка, усиление защиты страхователей и приведение национальной правовой системы в соответствие с международными стандартами. На основе данного анализа для Казахстана предложены четыре основных направления для выведения страхового рынка на уровень международных стандартов: упрощение и конкретизация правил раскрытия; внедрение раздельных правовых режимов для потребительского и коммерческого страхования; усиление информационных обязанностей страховщика, включая долг разъяснения и предупреждения; систематизация (кодификация) законодательства в виде единого кодекса. Особо подчеркивается активная роль регулятора в реализации реформы. Предлагаемые меры будут способствовать укреплению взаимного доверия на страховом рынке, повышению прозрачности сделок и эффективной защите прав потребителей. Улучшая управление рисками, данная трансформация может повысить стабильность рынка, создать благоприятные условия для иностранных инвестиций, а также гармонизировать национальное законодательство с глобальной практикой.

The article examines global trends in reforming the pre-contractual duty of disclosure in insurance law. The primary goal of the research is to develop practical recommendations for Kazakhstan based on a comparative analysis of legislative innovations in the United Kingdom, Australia, New Zealand, Singapore, and the European Union. International experience reveals a clear trend focused on protecting policyholders: a shift towards an insurer inquiry-based model that transfers the disclosure burden from the consumer, and a move towards a system of proportional warranties and counterparty duties. The purpose of the article is to develop practical recommendations on improving the insurance legislation of the Republic of Kazakhstan, aimed at increasing market transparency, strengthening the protection of policyholders and bringing the national legal system in line with international standards, based on a comparative analysis of international approaches to information disclosure prior to the conclusion of an insurance contract. Based on this analysis, four main directions are proposed for Kazakhstan to elevate its insurance market to international standards: simplification and clarification of disclosure rules; introduction of separate legal regimes for consumer and commercial insurance; strengthening the insurer's information duties, including the duty to explain and warn; and the systematization (codification) of legislation into a single code. The active role of the regulator in implementing the reform is particularly emphasized. The proposed measures will contribute to strengthening mutual trust in the insurance market, increasing transaction transparency, and effectively protecting consumer rights. By improving risk management, this transformation can enhance market stability, create favorable conditions for foreign investment, and harmonize national legislation with global practice.

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The authors declare that there are no conflicts of interest present.