TIBBIY SUG'URTA FONDLARINING OCHIQLIGI VA MOLIYAVIY SHAFFOFLIGINI TA'MINLASH MEXANIZMLARI

This article examines mechanisms for ensuring financial transparency and accountability in health insurance funds in Uzbekistan. Through comparative analysis of international best practices (Germany, South Korea, Sweden) and local context, the study proposes concrete solutions including digital transformation, independent audit systems, and enhanced public oversight. Key findings demonstrate that implementing electronic monitoring platforms and legislative reforms can significantly improve the reliability and efficiency of the health insurance system.