ПЕРСПЕКТИВИ РОЗВИТКУ КОРПОРАТИВНОГО МЕДИЧНОГО СТРАХУВАННЯ В УКРАЇНІ В СУЧАСНИХ УМОВАХ

Abstract

The article examines the evolution of the health insurance system in Ukraine, and also analyzes the advantages and disadvantages of using corporate insurance to expand voluntary health insurance programs. It is noted that the Ukrainian health care system is at the stage of reform, and mandatory health insurance has not yet been implemented. The main participants of voluntary health insurance are corporate clients. The purpose of medical insurance is to provide guaranteed medical care in the event of an insured event at the expense of accumulated funds. In addition, the insurance system is aimed at financing preventive measures and improving the quality and expanding access to medical services. A significant outflow of labor from Ukraine and, as a result, increased competition for qualified personnel forces companies to use new strategies to ensure employee loyalty. This is especially relevant for those who have survived the crisis in recent years and intend to strengthen their positions in the market. The successful management experience of companies, their practices, including personnel management, serve as an example for other participants in Ukrainian business. The medical reform that began in the country is the subject of active discussions in social networks and mass media, it is difficult to assess its direct impact on market growth indicators. In our opinion, while waiting for the changes, employers are showing much more interest in paying for medical treatment for their employees, and more and more employees are getting an insurance policy from their employer. The purpose of medical insurance is to provide guaranteed medical care in the event of an insured event at the expense of accumulated funds. In addition, the insurance system is aimed at financing preventive measures and improving the quality and expanding access to medical services. In connection with the ambiguity of the legislation regarding the mandatory form of health insurance in Ukraine, within the framework of our study, we will focus on its voluntary form. Thus, voluntary medical insurance is a type of insurance designed to provide the policyholder with a guarantee of full or partial reimbursement by the insurer of additional costs associated with contacting a medical institution for a service provided in accordance with the voluntary medical insurance program. Demand for voluntary health insurance products in Ukraine is very low. Insureds are mainly corporate clients, namely employers who insure their employees. Thus, it is possible to consider corporate health insurance as a separate segment of health insurance, which is part of the system of ensuring the human right to health.