СУЧАСНИЙ СТАН ТА ПРОБЛЕМИ РОЗВИТКУ СТРАХОВОГО РИНКУ В УМОВАХ ВОЄННОГО СТАНУ

Abstract

The article analyzes the main indicators of the development of the insurance market of Ukraine for the period 2018–2022 and found that although there is an increase in the total assets of insurance companies, with a simultaneous decrease in the number of insurers, which is due to the state of war and the measures of the main regulator of the insurance market, it nevertheless occupies an insignificant place in the economy of our country and significantly lags behind the developed countries of the world. The study of the penetration index, which is widely used in foreign practice, and is also constantly used by the main regulator of the insurance market in analysis and planning, showed that in comparison with European countries, the IPR in our country is at a very low level. An equally important indicator of the level of financial security of the insurance market is the Insurance Density ratio, which is normal, but in Ukraine this indicator does not even reach $50. USA. The study of the Marshall Plan, which was developed by the Insurance Business Association to regulate the situation on the insurance market, showed that we agree with the vast majority of the proposed theses regarding the support of the insurance industry, but not with all of them, so we proposed to expand their list. We suggest adding a clause on the development of investment projects, where insurance companies will invest mobilized funds, for their effective use and multiplication. Such projects must be supported and guaranteed by the state, which will contribute to the socio-economic development of the economy. Taking into account the state of war in our country, it is necessary to develop and implement risk insurance programs in the most priority areas: construction, energy, agriculture and others, which are necessary for our state for post-war reconstruction. Particular attention should be paid to personal health insurance and a new type of war risk insurance, which is due to high demand, should be introduced. The implementation of war risk contracts in the practice of insurance companies, which will be relevant in the post-war period, will contribute to the development of specific insurance products, such as the triggering of mines, uncontrolled explosions of ammunition.