THE PROBLEM OF HEALTH INSURANCE IN UKRAINE
Journal Title: Проблеми системного підходу в економіці - Year 2017, Vol 3, Issue 59
Abstract
The paper discussed topical issues of medical insurance in Ukraine, clarifying its economic substance and place in the insurance relationship. Since voluntary medical insurance according to the Law of Ukraine «On insurance» takes the form of «health insurance (permanent health insurance)», «health insurance sickness» and «medical expenses insurance». Thus, the health insurance market is developing quickly, especially permanent health insurance market, according to which in 2014 collected premiums written 137.9 million. UAH., or by 9.3% more than in 2015 and at 44.9 times more than in 2000 on growth in premiums significantly affected by higher prices of medicines due to changes in the exchange rate. The population of Ukraine, gradually begins to realize that health insurance – it’s the only way out of Health of Ukraine on economic and social crisis. Due to the need to improve the national health insurance system, considered foreign experience in the organization of health insurance. The necessity of introduction in Ukraine of voluntary health insurance. A mathematical analysis of existing methods of calculating insurance rates in health insurance. The authors identified key factors that influence the formation of insurance rate and suggested a methodical approach to its definition. Applying this approach allows to significantly simplify the calculations of voluntary health insurance. By applying a set of measures aimed at developing in Ukraine an effective system of health insurance.
Authors and Affiliations
N. V. Kasyanova, A. S. Nestryha, D. I. Sereda
Keywords
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