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February 11, 2026Russian Journal of Management0 citationsOpen Access

Ways to develop the Russian insurance market in the context of economic crisisRANCE MARKET IN THE CONTEXT OF ECONOMIC CRISIS.

ZSZarema SharifyanovaDGDiana Galiullina

Key Points

  • The research aims to understand how the Russian insurance market can transform and adapt during an economic crisis.
  • Utilized industry statistics data for analysis
  • Applied the hypothetical-deductive method
  • Employed scientific forecasting tools
  • Identified a reduction in external reinsurance share to 12%
  • Noted decreased transparency due to new reporting formats
  • Revealed shortages in reliable investment assets
  • Proposed integration of AI in underwriting processes
  • Confirmed the market's capacity for transformation during crises

Abstract

The article provides a comprehensive analysis of the structural transformations of the national insurance market in the context of external constraints. The research methodology is based on the synthesis of industry statistics data, the use of the hypothetical-deductive method and scientific forecasting tools. Key problem areas have been identified: a reduction in the share of external reinsurance to 12%, a decrease in information transparency due to changes in the reporting format, a shortage of reliable investment assets and systemic limitations in the CTP segment. The scientific significance of the work lies in the development of a theoretical model for the adaptation of the insurance sector, which provides for the integration of artificial intelligence into underwriting processes, the development of cyber insurance, the digitalization of health insurance and the optimization of company capitalization. The results obtained confirm the ability of the Russian insurance market to transform in the face of crisis phenomena and determine strategic guidelines for the further development of the industry.

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Cite This Study

Sharifyanova et al. (2026) studied this question.

synapsesocial.com/papers/698c1bdc267fb587c655de30https://doi.org/10.29039/2409-6024-2025-13-12-228-238
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Insurtech as a strategic direction of insurance development in Russia2025 · 1 citations
  2. 2Trends in the development of the Russian insurance market2024
  3. 3Insurance market development trends in medium-term documents of the Bank of Russia2024
  4. 4Digital Technologies in Insurance Business2026
  5. 5Financial market development strategy in crisis: analysis and recommendations2025