Фактори впливу на розвиток добровільного медичного страхування

Abstract

The article is aimed at studying the theoretical and practical aspects of factors influencing the development of voluntary health insurance (VHI) in Ukraine. The place and indicators of development of the health insurance market in Ukraine for 2012-2019 are researched. The dynamics of health insurance market indicators based on the amount of gross insurance premiums and payments is analyzed; it is proved that voluntary health insurance (continuous health insurance) is characterized by growth during the last five years. The factors that significantly influenced the development of the market and the current state of voluntary health insurance, in particular the COVID-19 pandemic, the economic crisis, high incidence rates of insured persons, the significant cost of an insurance medical policy, the lack of tax preferences for business regarding medical social packages and the lack of specialized educational institutions on the VHI, are determined. The classification of factors of influence on the development of voluntary health insurance according to the level of their occurrence is carried out, and it is determined that the following factors have the greatest force of influence on the VHI: deterioration of solvency of potential insurers; pricing in the medical market; excessive tax burden for legal entities. It is substantiated that the indisputable way of motivating the introduction of voluntary health insurance is to amend the tax legislation of Ukraine; micro insurance is proposed as a basis for the development of voluntary health insurance. Prospects for further research lie in the study of factors influencing the development of micro insurance in the country.