К вопросу о содержании репродуктивного страхования и его месте в классификационной системе страхования

Abstract

Relevance. The research is associated with the need to develop the theory of a socially significant direction of insurance protection. The research is associated with the objective need to open up new insurance opportunities by expanding the boundaries of reproductive insurance, corresponding to the development of the basic categories of reproductive health and reproductive risks for it. The purpose is to reveal the modern content of reproductive insurance, to determine its place in the classification system of insurance. Objectives: to identify the historical prerequisites for the formation of meaningful boundaries of reproductive insurance; to determine the modern operational potential of reproductive insurance and on its basis to answer the question of the classification of this area of insurance protection; to identify the features of the Russian practice of reproductive insurance. Methodology. The fulfillment of the tasks was ensured by the use of classical methods of theoretical cognition. Results. Initially, reproductive insurance was associated with the insurance protection of women in case of death during childbirth. The modern understanding of what is reproductive health and reproductive risks has become deeper, which cannot but influence the content framework of dependent and derived categories. However, a historically determined predisposition to the formation of the same type of insurance products that do not go beyond the scope of VMI and accident and disease insurance programs, focused on the risks of complications of pregnancy and childbirth, has led to an extremely limited market even if there are conditions for its development. Conclusions. The potential of reproductive insurance in the Russian market is practically not disclosed. The theory of reproductive insurance is not developed. It is proposed to eliminate the definitive chaos, to revise the map of insured reproductive risks for the subsequent expansion of the range of the market, insurers to show social responsibility in a segment strategically important for the interests of the nation.