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Prospects for Development of Health Insurance in Ukraine, in View of Foreign Experience
Levkovich O. V., Onyshkevych N. O.

Levkovich, Oksana V., and Onyshkevych, Nadiia O. (2019) “Prospects for Development of Health Insurance in Ukraine, in View of Foreign Experience.” Business Inform 11:323–329.
https://doi.org/10.32983/2222-4459-2019-11-323-329

Section: Finance, Money Circulation and Credit

UDC 369.03

Abstract:
The article is aimed at studying the prospects for development of health insurance in Ukraine, taking into account foreign experience. It is defined that reform of the health care system is an important condition in the course of European direction of Ukraine’s development. The priority in this matter is assigned to insurance medicine, in particular the introduction of compulsory national health insurance. To implement the modern health care model, we urgently need management and intermediary organizational structures (insurance organizations, foundations, insurance offices) and highly qualified medical personnel, which would provide appropriate attitude to the health of the insured persons. Analysis of health insurance in the socio-economic conditions of today’s Ukraine showed that it is at the initial stage of its development. The effective experience of the world countries in the sphere of insurance medicine proves that various models, compulsory health insurance systems have already been worked out and their high results have been proven. The introduction of a new model of health care financing in Ukrainian practice involves not the increasing financing, but changing the approach to resource management in order to use recourses more effectively. The main stages of implementing compulsory and voluntary insurance as a single complex should be: optimizing of compulsory health insurance rates; substantiating the optimal amount of insurance premiums for the unemployed population, pensioners and children; introducing more progressive cost-recovery methods; setting tax breaks; excluding the possibility of duplication of payment for medical services to be provided under compulsory and voluntary health insurance schemes; organizing the uniform standards and regulations for treatment and delivery of services.

Keywords: health insurance, voluntary health insurance, compulsory health insurance, health care system, insurance market.

Fig.: 4. Bibl.: 9.

Levkovich Oksana V. – Candidate of Sciences (Economics), Associate Professor, Department of Finance, Banking and Insurance, Oles Honchar Dnipro National University (72 Nauky Ave., Dnіpro, 49010, Ukraine)
Email: [email protected]
Onyshkevych Nadiia O. – Student, Oles Honchar Dnipro National University (72 Nauky Ave., Dnіpro, 49010, Ukraine)
Email: [email protected]

List of references in article

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Boldova, A. A., and Moiko, V. Yu. “Osoblyvosti medychnoho strakhuvannia v Ukraini“ [Features of Health Insurance in Ukraine]. Zbirnyk naukovykh prats Natsionalnoho universytetu derzhavnoi podatkovoi sluzhby Ukrainy, no. 2 (2012): 33-38.
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“Konsolidovani zvitni dani po strakhovomu rynku Ukrainy za 2014-2018 roky“ [Consolidated Reporting Data on the Insurance Market of Ukraine for 2014-2018]. https://nfp.gov.ua:443/content/konsolidovani-zvitni-dani.html
Nonko, V. “Inozemnyi dosvid medychnoho strakhuvannia“ [Foreign Experience in Health Insurance]. Forinshurer. https://forinsurer.com/public/02/12/12/155
Pavliuk, K. “Strakhova model finansuvannia medytsyny: yakyi stsenarii obere Ukraina“ [Insurance Model of Financing of Medicine: What Scenario Ukraine Will Choose]. Nezalezhnyi audytor. 2014. http://n-auditor.com.ua/uk/component/na_archive/1127?view=material
Perehinets, I. B. “Kontseptsiia reformy systemy okhorony zdorovia ta yii osnovni napriamy“ [The Concept of Health Care Reform and its Main Directions]. Zhinochyi likar. 2016. http://z-l.com.ua//index.php/concept/?setlang=ua&page=concept&ppage=
Fedorovych, I. M. “Teoretychni ta praktychni zasady realizatsii medychnoho strakhuvannia v Ukraini“ [Theoretical and Practical Principles of the Health Insurance Implementation in Ukraine]. Naukovyi visnyk Mizhnarodnoho humanitarnoho universytetu. 2017. http://www.vestnik-econom.mgu.od.ua/journal/2017/23-2-2017/19.pdf

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