HEALTH INSURANCE PROGRAMS AND THEIR FEATURES IN THE CONDITIONS OF COVID-19

Authors

  • N. Ya. Klimuk I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine
  • V. L. Smirnova I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine
  • N. Ya. Panchyshyn I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine

DOI:

https://doi.org/10.11603/1681-2786.2021.3.12626

Keywords:

health insurance, health insurance contracts, insurance programs, insurance coverage

Abstract

Purpose: to determine the specifics of health insurance programs in the context of the COVID-19 pandemic.

Materials and Methods. For the study were scientific articles of domestic scientists, official websites of insurance companies and the website of the Ministry of Finance of Ukraine. During the implementation of this study, methods of structuring, analysis and generalization of information were used.

Results. The article reveals the features of health insurance programs in the conditions of COVID-19. To do this, the foreign experience of changes in the policy of insurers in different countries in connection with the pande­mic is considered. A comprehensive study of insurance programs from Covid-19 of Ukrainian insurance companies was conducted, their advantages and disadvantages were identified.

Conclusions. The COVID-19 pandemic has forced insurance companies to change their policies both in foreign countries and in Ukraine by revising their programs. The analysis showed that COVID-19 insurance contracts in the insurance market of different insurance companies are similar and have both advantages, which include reducing the financial burden on the patient and providing confidence in financial security and material compensation, as well as disadvantages.

Author Biographies

N. Ya. Klimuk, I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine

PhD (Technical Sciences), Associate Professor of Medical Informatics, I. Horbachevsky Ternopil National Medical University

V. L. Smirnova, I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine

PhD (Medicine), Associate Professor of Public Health and Health Management I. Horbachevsky Ternopil National Medical University

N. Ya. Panchyshyn, I. Horbachevsky Ternopil National Medical University, Ternopil, Ukraine

PhD (Medicine), Associate Professor of the Department of Public Health and Health Care Management, I. Horbachevsky Ternopil National Medical University

References

Bodnar, O.A., Khorenzhenko, V.V., & Tatarenkova, Yu.V. (2020). Funktsionuvannya strakhovoho rynku Ukrayiny v umovakh pandemiyi Covid-19 [Functioning of the insurance market of Ukraine in the conditions of the Covid-19 pandemic]. Efektyvna ekonomika – Efficient Economy, 10, 3-5. Retrieved from: http://www.economy.nayka.com.ua/?op=1&z=8268 [in Ukrainian].

Liha strakhovykh orhanizatsiy [League of insurance companies]. Retrieved from: http://uainsur.com/news/62122/ [in Ukrainian].

Sosnovskaya, O.O., & Balitskaya, G.O. (2020). Rozvytok medychnoho strakhuvannya v umovakh COVID-19 [Development of health insurance in terms of COVID-19]. Zbirnyk naukovykh prats Universytetu derzhavnoï fiskalnoï sluzhby Ukraïny – Collection of scientific works of the University of the State Fiscal Service of Ukraine, 1-2, 325-337 [in Ukrainian].

(2021). Strakhuvannya vid COVID-19: yak ubezpechyty sebe v umovakh epidemiyi [COVID-19 insurance: how to protect yourself in an epidemic]. Retrieved from: https://minfin.com.ua/ua/insurance/articles/strahovanie-ot-covid19-kak-obezopasit-sebya-v-usloviyah-epidemii/ [in Ukrainian].

(2021). Unika. Ofitsiynyy sayt strakhovoyi kompaniyi [Uniqa. Official site of the insurance company]. Retrieved from: https://uniqa.ua/ua/ [in Ukrainian].

(2021). USI «Yu.Es.Ai». Ofitsiynyy sayt strakhovoyi kompaniyi [USI “USI”. Official site of the insurance company]. Retrieved from: https://usi.net.ua [in Ukrainian].

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Published

2021-12-23

How to Cite

Klimuk, N. Y., Smirnova, V. L., & Panchyshyn, N. Y. (2021). HEALTH INSURANCE PROGRAMS AND THEIR FEATURES IN THE CONDITIONS OF COVID-19. Bulletin of Social Hygiene and Health Protection Organization of Ukraine, (3), 47–50. https://doi.org/10.11603/1681-2786.2021.3.12626

Issue

No. 3 (2021)

Section

Organization of medical care

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Copyright (c) 2021 Bulletin of Social Hygiene and Health Protection Organization of Ukraine

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