АНАЛИЗ ПОКАЗАТЕЛЕЙ РАЗВИТИЯ ДОБРОВОЛЬНОГО МЕДИЦИНСКОГО СТРАХОВАНИЯ И ПРОГРАММ СТРАХОВАНИЯ ЛЕКАРСТВЕННОГО ОБЕСПЕЧЕНИЯ

Abstract

The purpose of the study is to determine the direction of development of the voluntary medical insurance market and pharmaceutical insurance for the population of Russia. The materials of the study were the data of the statistical reporting form of insurers (reporting of the Bank of Russia); statistical indicators and information about individual subjects of the insurance business; the register of licenses issued to insurance companies, Insurance Rules, data on the population of the Federal State Statistics Service. The method of content analysis, the method of analysis of time series, methods of analysis, synthesis and generalization of information were used. It is revealed that the voluntary medical insurance market in 2022 is characterized by the following trends: a decrease in the volume of insurance premiums, a stable number of insurance contracts, the growth of the corporate segment, a decrease in the amount of payments, a decrease in the number of insurers working in the field of health insurance, high monopolization of the market. A significant increase in the share of corporate voluntary medical insurance shows not only the unwillingness and/or inability of individuals to purchase insurance policy, but also the alertness of insurance companies to this insurance sector in times of turbulence. The top 10 (by the amount of insurance premiums) companies operating in the field of voluntary medical insurance have been identified. Drug insurance in the form of a separate program is offered by 6 companies from the top 10 offer a separate drug insurance program; all 6 companies apply a franchise, the level of which ranges from 10% to 100%; 2 companies include the provision of biologically active additives and medical products, 1 company offers the provision of specialized nutrition products. The basic tariff rates for drug insurance programs are significantly higher than those for medical care insurance.