Zora Health / Employer guide / Uzbekistan
Support your experienced employees through menopause, and help them stay at their best.
Uzbekistan is rolling out state health insurance and new sick pay rules in 2026, and women in Central Asia reach menopause at around 45. Zora Health helps you build practical menopause support, from workplace policies and manager training to confidential care navigation and access to 128+ partner clinics in 16 countries, around your workforce and budget. Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with us.
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Five things Uzbekistan HR leaders should know
- A 2025 review puts the average age at menopause in Central Asia at around 45.
- Women’s labour force participation in Uzbekistan was 41.2% in 2025.
- Out-of-pocket payments made up 64.1% of health spending in 2023.
- State health insurance is being rolled out nationwide by the end of 2026, with free planned inpatient care from 1 July 2026.
- From 2026, the employer pays the first 5 days of sick leave a year and the State Fund for Social Insurance pays from day 6.
Why menopause is a business problem for employers
Menopause rarely announces itself at work. It looks like a senior manager who slept four hours, a wave of heat in the middle of a client meeting, a word that will not come in front of the board. Symptoms come and go for years. Many women do not link them to menopause, and fewer tell their manager.
So the cost stays out of your reports. It shows up instead as:
- Earlier menopause. A 2025 Uzbek literature review puts the average age at menopause in Central Asia at around 45 and notes that severe symptoms reduce work capacity (Askarova, Preventive Medicine and Health, October 2025).
- High out-of-pocket costs. Patients paid 64.1% of health spending directly in 2023 (World Bank), so cost can be a real barrier to care.
- A changing system. State health insurance and new sick pay rules are arriving in 2026, so employees may not yet know what they are entitled to.
- Little local workplace data. We found no Uzbek study on menopause and work. A confidential survey of your own employees is the quickest way to see the picture in your company.
What employers gain
Keep the people who know how your business runs
Replacing an employee costs one-half to two times their annual salary, according to Gallup. Women’s labour force participation was 41.2% in 2025 (World Bank, ILO estimate), so each experienced woman you employ is hard to replace. A written policy, trained managers and quick access to the right doctor can help address barriers that contribute to employee attrition.
Stand out to experienced women
We found no Uzbek employers with published menopause support. A clear offer, explained in your benefits pack, stands out to senior women weighing their next move.
Make menopause support financially predictable
Employers now pay the first 5 days of sick leave each year, so earlier care also protects your own costs. Much of what helps menopause costs very little: a flexible start time, a fan, a manager who knows what to say.
Zora helps employers set an annual allowance or top-up around state health insurance and your private plan, so HR can run the programme within an agreed budget. The benefit works alongside your existing insurance.
Want to see what this would look like for your Uzbekistan workforce?
What menopause care costs, and what the state pays
Uzbekistan is introducing state health insurance funded from taxes. Out-of-pocket payments are still high, and many employers add private health insurance.
| Item | Public support | What the employee still carries |
|---|---|---|
| State health insurance | Funded from taxes; covers taxpayers and other groups; guaranteed-package medicines free on e-prescription | Care outside the guaranteed package |
| Free planned inpatient care | Postponed to 1 July 2026; nationwide coverage due by the end of 2026 | Private fees until rollout |
| Time off for appointments | Employer pays the first 5 days a year; the State Fund pays 60% or 80% from day 6, for up to 182 days | The gap to full pay |
From Rödl & Partner, February 2025, Kun.uz, January 2026 and EY Uzbekistan, February 2026. We could not confirm HRT cover or private consultation fees. These are published examples, not guaranteed current prices: actual costs depend on cover, clinic, doctor and treatment, so confirm fees with the provider before budgeting.
Women in Central Asia reach menopause at around 45, earlier than in many countries.
We have found no menopause workplace law or guidance in Uzbekistan. For employers, the practical opportunity is to help employees recognise their symptoms, understand their options and reach appropriate clinical advice sooner.
Menopause support that fits your workforce and budget
You do not need to overhaul your existing health insurance to support employees through menopause. Start with awareness and manager education, add confidential one-to-one support, or introduce a fuller programme across your offices. There is no minimum company size.
Where included in the employer programme, eligible employees can use talks and care navigation without paying Zora a separate fee. Care navigation allowances are set in each proposal. Treatment and other third-party costs are paid separately, either by employees or through the allowance their employer provides.
Companies starting the conversation
Essentials
Expert-led talks for employees and managers, menopause policy templates, manager guides and full access to the Zora app. Up to 2 talks a year.
Employees supported one to one
Navigation
Everything in Essentials, plus confidential one-to-one care navigation and access to our partner clinic network.
Large teams across countries
Complete
Everything in Navigation, plus quarterly anonymised reporting, a dedicated account manager and scheduled review meetings with HR.
Optional add-ons can be added to any programme, subject to availability: hormone diagnostics and telehealth with specialists. Pricing is tailored to your headcount, your countries and the services you choose. Most companies start with a single talk.
Request a proposal See how Zora works for employers
Comparing menopause benefit providers? Use our RFP question bank
Our question bank has 40 questions for multi-country benefits teams, with why each one matters, what a good answer looks like and a scoring sheet for three providers. Six of the questions for menopause support in Uzbekistan:
- Is menopause support included as standard, or only fertility?
- What access do employees get to menopause specialists and hormone testing, and how quickly?
- How does the programme help employees use the new state health insurance alongside our private plan?
- Do you provide fertility and menopause policy templates for our markets?
- How can an employee get help confidentially without telling their manager?
- What individual-level data does HR see?
Your download link appears as soon as you submit. Zora Health may contact you about employee benefits; see our privacy policy.
Plan your menopause benefit budget
Menopause care allowance planner
Model the annual claims budget for a menopause care allowance. Change any number.
This is a claims budget, not a Zora quotation. Zora’s programme fees, implementation and optional services are separate.
It estimates the annual budget for a menopause care allowance from your eligible workforce, expected utilisation and allowance per employee, and assumes each user claims the full allowance. Eligible employees defaults to 15% as a stand-in for women aged 45 and over; use your own headcount data. The default allowance of UZS 2,000,000 is an illustrative figure for private consultations, tests and treatment. Utilisation is an editable assumption, not observed Zora data. For a proposal covering both programme costs and employee benefits, request an employer proposal.
Estimate the potential workforce impact of menopause symptoms
A rough planning scenario. It applies a published estimate to your headcount, so it is not a prediction for your workforce, a measured loss or a forecast of savings from any programme.
Range: UZS 45,687,796 to UZS 138,298,195 a year, depending on replacement cost.
Assumptions: 13.4% of working women aged 45 to 60 reported at least one adverse work outcome due to menopause symptoms, and those who missed work lost a median of 3 days a year (Faubion et al., Mayo Clinic Proceedings, 2023). This was a US clinic sample, so treat it as a rough benchmark for Uzbekistan. The default salary is the average monthly nominal wage of UZS 6,825,900 (January to March 2026) multiplied by 12. Use your own. Replacing an employee costs one-half to two times their annual salary (Gallup, 2019); the headline uses the low end. Absence is valued at salary divided by 250 working days. Exit rate is your own assumption.
Already have corporate health insurance? Here is where Zora fits
Your medical plan may cover some consultations and treatment. Employees still need to recognise their symptoms, understand their options and find a doctor who knows menopause care, and many never get that far.
Zora works alongside your existing insurance and benefits. We help employees get reliable information, navigate their care options and reach suitable specialists, and we give HR manager training, policy templates and, on the Complete programme, anonymised reporting. You strengthen menopause support without replacing your medical plan.
How Zora works
For your employees
Employees join the Zora app with a company code, or single sign-on for larger teams. They can learn about perimenopause and menopause, understand what your benefit covers, book a confidential care navigation call and find partner doctors and specialists.
For HR
- Kick-off, week 1. Agree goals, countries and which employees are eligible.
- Policy and benefit design, weeks 2 to 4. Draft or update your menopause policy and flexible work guidance using our templates.
- Launch, typically weeks 4 to 6. A launch talk for employees and managers, plus a communications pack for HR to send.
- Live support. Employees book care navigation calls and use the Zora app.
- Reporting, every 3 months, on the Complete programme. Anonymised usage, common themes and our recommendations, reviewed with your account manager.
Privacy
On the Complete programme, HR receives anonymised, aggregated reports only: how many employees used the programme, which services they used and the common themes. On every programme, HR never sees an individual employee’s health information, bookings or test results, and employees can get help without telling their manager. Employee data is stored on Amazon Web Services in Singapore and handled in line with Singapore’s Personal Data Protection Act.
Clinics and doctors in Uzbekistan
Zora’s clinic and doctor directory does not list providers in Uzbekistan yet. It lists 421 clinics and 1,185 doctors across 25 countries, mostly in Asia Pacific and the Middle East (browse clinics or browse doctors). Employees in Uzbekistan can still use Zora’s education and the Zora app. Ask us how your team in Uzbekistan would use Zora before you launch. See Zora’s employer guides for every country.
Rules and eligibility in Uzbekistan
Sick pay
Under Law No. 1101 on state social insurance, the employer pays the first 5 days of incapacity in a calendar year and the State Fund for Social Insurance pays from day 6, for up to 182 days a year, at 60% or 80% of average salary depending on insurance record (EY Uzbekistan).
Equal treatment
Article 4 of the 2023 Labour Code prohibits discrimination in employment on grounds including gender and age (Invest in Uzbekistan).
State health insurance
Presidential Resolution PP-311 of 2024 set up a State Health Insurance Fund. Free planned inpatient care was moved to 1 July 2026, with nationwide coverage due by the end of 2026 (Kun.uz).
Why employers choose Zora
Companies including Hilton, LinkedIn, Sanofi, HSBC, Mastercard, Carousell and Singapore Management University work with Zora Health. We work alongside your existing insurance, helping employees use the cover they already have and find suitable doctors and specialists based on their needs.
Zora Health helped me to reclaim my confidence to thrive at work!
Questions HR teams ask us
Do employers in Uzbekistan have to give menopause leave?
No. There is no menopause leave. Employees use sick leave, annual leave or flexible arrangements unless their employer offers more.
Who pays sick pay in Uzbekistan?
From 2026, the employer pays the first 5 days a year and the State Fund for Social Insurance pays from day 6.
Is there state health insurance in Uzbekistan?
Yes. It is being rolled out, with nationwide coverage due by the end of 2026.
Does the Labour Code protect against discrimination?
Yes. Article 4 prohibits discrimination on grounds including gender and age.
At what age do women in Uzbekistan reach menopause?
A 2025 review puts the average in Central Asia at around 45. We found no national study.
Does Zora replace our health insurance?
No. Zora works alongside your insurance. We help employees understand their options, find suitable specialists and use the cover they already have.
How much does menopause support cost an employer?
It depends on the programme, any allowance and expected uptake. Use the budget planner on this page for a first estimate, then ask us for a tailored proposal based on your headcount and countries.
How quickly can we launch?
Typically 4 to 6 weeks from contract to launch, depending on scope and countries. Most companies start with a single talk.
Related guides for Uzbekistan employers
Build a menopause support programme for your team
Whether you are introducing menopause benefits for the first time or improving an existing programme, tell us your headcount, countries and priorities. We will come back within two working days with suitable services, an indicative budget and a practical rollout plan for your Uzbekistan team. No obligation.
Sources
- Askarova, Perimenopause in Uzbekistan: a literature review, Preventive Medicine and Health, October 2025
- World Bank, Female labour force participation (ILO modelled estimate), 2025
- World Bank, Out-of-pocket expenditure, 2023
- Statistics Agency of Uzbekistan, Average wages Q1 2026, April 2026
- Rödl & Partner, Introduction of state health insurance, February 2025
- Kun.uz, Free inpatient care launch date revised, January 2026
- EY Uzbekistan, Payroll and labour updates, February 2026
- Invest in Uzbekistan, Labour Code 2023
- Gallup, This fixable problem costs US businesses $1 trillion, 2019
- Mayo Clinic News Network, Faubion et al., Impact of menopause symptoms on women in the workplace, Mayo Clinic Proceedings, April 2023