Abstract
Therefore, in the future, the formation of insurance protection against risks similar to COVID-19 is possible only on the private and public partnership platform. Largely, insurers will not take on pandemic risks on their own, but they can significantly improve the process of managing and financing such risks in partnership with the state. The new situation has given new business models for managing insurance services based on digitalization and separate access. There is no doubt now that all the achievements in the management of insurance services, which were carried out in a short time during the pandemic, will be used in the future and will be further developed. These models will be able to significantly reduce insurance costs in the future, and this is the main positive of the situation in connection with the COVID-19 coronavirus pandemic.
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