FEATURES OF HEALTH INSURANCE IN UKRAINE IN MODERN CONDITIONS
DOI:
https://doi.org/10.11603/1681-2786.2021.1.12147Keywords:
health insurance, compulsory health insurance, voluntary medical insurance, medical insurance marketAbstract
Purpose: to find out the features of health insurance in modern conditions, taking into account the morbidity of the population.
Materials and Methods. Scientific articles of domestic and foreign scientists, directories of the State Statistics Service of Ukraine, reports of the Center for Public Health of the Ministry of Health of Ukraine and the Ministry of Health of Ukraine. During the implementation of this study, methods of structuring, analysis and generalization of information were used.
Results. In the article is systematized the scientific approaches to understanding the essence of the category «health insurance». To do this, an analysis of the legal framework, which provides health insurance regulation in Ukraine, as well as scientific literature. Based on this analysis, a comprehensive definition of the category «health insurance» are formed. The object, subject and subject of insurance activity are defined. The main features of compulsory and voluntary health insurance are outlined. The main groups of risk factors that affect the health of the population: socio-economic indicators of economic development; state of ecology; the level of health development and the risks associated with the prevalence and mortality of certain diseases. Based on the study, the main problems of health insurance development were identified: imperfect legal regulation, uneven distribution of funds and insufficient level of medical care. A step towards solving these problems in the health care system can be the implementation of medical reform, and, in particular, the introduction of compulsory health insurance.
Conclusions. Today, the health care system of our country is not only in financial, but also in organizational crisis, which is caused by uneven distribution of funds and insufficient level of medical care. The reform of health care, and in particular the introduction of compulsory health insurance, can be a step towards solving the problems identified in the health care system.
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