Особливості інфраструктури ринку послуг медичного страхування
Ukraine deserves a stable financial environment and civilized insurance market. With a gradual increase of understanding level ofinsurance as a financial tool of protection between citizens and some employers appears a habit to make contracts of voluntaryinsurance, including health insurance.Infrastructure elements of insurance market with a focus on the market of voluntary health insurance services are the subject of thearticle. The aim of the article is to analyze the current state of individual components of the infrastructure and its impact on segmentof voluntary health insurance services, to set existing problems and to formulate proposals for their solving.To achieve this goal, considering the specificity of insurance as a business area and characteristics of insurance companiesactivities at the moment, the following methods as systematic approach, observation, method of dynamic series and relative values,elements of content analysis are used in the research.Examples of modern legal documents, role of self-regulatory insurance organizations in their development are given in the article.Necessity of understanding of professional insurance terminology, expertise, medical assistance and its interaction with insurancecompanies are emphasized. Importance of ethical relationships of the last with clients, partners, colleagues and competitors; following theCode of ethics in insurance; implementation of leading insurance organizations experience into national practice are accentuated.Insurance premiums and payments dynamics of voluntary health insurance, increasing of which confirms people's understanding ofimportance of their health preserving, elevation of services quality in different health institutions is analyzed. Problems related to the specificity ofsupporting services for insurers that carry out voluntary health insurance are outlined. Impossibility of unjustified volume and value overestimationof health care services that are included into accounts as a risk for financial indicators of insurance company is accentuated.For improvement and development of infrastructure of the insurance market in the segment of voluntary health insurance servicesmarket are offered some ideas: to enhance information transparency of insurance market subjects and to intensify educativeactivities for potential customers; to use management innovations; to make expert prediction of the behavior of insurance consumers;to expand introduction of IT technology into the practice of insurers. Authors’ offers are based on the analysis of experience andpractice of domestic insurance companies including current development of the insurance market. The results of the research can beused by the insurance market participants and by economical universities in such subjects as "Insurance" and "Insurance services".Present-day insured are able to analyze information about voluntary health insurance, to monitor insurance companies beforechoose their programs and give any preferences to those, which fulfill their contracts obligations and keep insurance ethics; havehigh level staff; around the clock assistance support; cooperate with modern clinics and independent experts.Understanding of the relevance and development of infrastructure of the insurance market, which depend on all its members, are apromising direction for positive dynamics of the market of voluntary health insurance services.
More...
