Insurance medical service as a financial liability
The article examines essence of the insurance services as a financial liability. The specific features of the insurance service are described. It is determined that one of many forms of manifestation of the objective category of insurance is an insurance medical service. Generalized scientific and methodical approaches to the interpretation of the concept of "insurance service". It is noted that one of many forms of manifestation of the objective category of insurance is an insurance medical service. It is proved that the view of specialists on insurance services as a combination of types of insurance is rather common. Determined that the concept of "insurance service" and "insurance product" cannot be considered as synonyms. It is noted that insurance medical services have a for the parties insurance contract is pronounced probabilistic, risky nature. It is proved that the essence of the insurance medical service as a financial obligation is disclosed in the process of building the relationship between the insurer, each individual insured and the community of policyholders. Based on the norms of domestic legislation, we can say that insurance organizations as financial institutions offer insurers on the insurance market financial services in the insurance sector including insurance medical services. A look on insurance service as on financial service meets the standard in the world. Insurance medical service at the same time serves as a financial obligation to provide insurance protection. This expresses her economic content, which means: insurance companies that provide such services must be financially viable and controlled by the state in all developed countries of the world. It is determined that the provision of an insurance medical services always legally is issued: an insurance contract is concluded or an insurance policy (certificate, certificate) is issued, which certifies the fact of the existence of insurance protection.
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Keywords: consumer value, exchange value, insurer, insurance, insurance service, insurance medical service, insurance product, insurance premium, insurance tariff |
THEORY
Gamankova Olga
D.Sc., professor, head of insurance department SHEI «Kyiv State University of Economics by name Vadim Hetman»
Parkheta Lyudmila
post-graduate student of the department of insurance SHEI «Kyiv National Economic University named after Vadym Hetman»
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