INSURANCE SERVICES IN THE MARKET OF VOLUNTARY HEALTH INSURANCE IN UKRAINE
The article considers the current state of the market of voluntary health insurance. The top 10 insurance companies operating in the market of voluntary health insurance in Ukraine are described and characterized. It is determined that the insurance policy of voluntary medical insurance determines the scope of provision of medical services, the possibility of choosing the conditions for obtaining medical care, etc. The article describes insurance products of leading companies in the market of voluntary health insurance. The most widespread filling of programs on voluntary medical insurance and determined their prices policy. It is noted that voluntary health insurance programs expand the possibilities and improve the conditions for the provision of preventive, medical and diagnostic and rehabilitation care and also that through the system of voluntary medical insurance it is possible to attract the most skilled medical personnel, increasing the quality of medical services. The size of insurance premiums is established on a contractual basis by the insurer and the insured, taking into account the probability assessment of the insurer's illness in connection with age, occupation, state of health and also sex. Insurance indemnity is paid by paying medical institution the cost of medical care of the insured person within the limits of the sum insured and the list of types of medical services according to the insurance program specified by the contract of voluntary medical insurance. It is specified that tariffs for medical and other services for voluntary medical insurance are established with the consent of the insurer and the medical institution that provides the relevant services. The main problems were identified and prospects of the development of voluntary medical insurance in Ukraine were outlined. It is noted that the development of voluntary health insurance will be determined by the reform of the healthcare sector and the adoption of relevant legislation.
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Keywords: insurance company, insurance product, medical institution, social security, voluntary health insurance, voluntary health insurance, voluntary health insurance program, voluntary health insurance market. |
THEORY
Parkheta Lyudmila
post-graduate student of the department of insurance SHEI «Kyiv National Economic University named after Vadym Hetman»
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