НАПРЯМИ РОЗВИТКУ СТРАХОВОГО РИНКУ В УМОВАХ СЬОГОДЕННЯ

Abstract

The insurance market in Ukraine is one of the most important components of the country's financial system. In today's conditions, it is under the influence of a number of factors that are leading to a change in its development trends. The article examines the main trends in the development of the insurance market in Ukraine under martial law and post-war recovery. The authors analyze the dynamics of the insurance market, its structure, insurance products and services, insurance companies, and insurance culture in Ukraine. The main trends in the development of the insurance market in Ukraine in today's conditions include: decrease in the size of the insurance market. In 2022, the volume of insurance premiums in Ukraine fell by 30% compared to 2021. This is due to military operations, as well as the economic crisis that arose as a result of the war; change in the structure of the insurance market. In 2022, the share of compulsory insurance in the total volume of the insurance market in Ukraine increased to 60%. This is due to the fact that in the conditions of martial law, the demand for compulsory insurance products, such as life insurance, property insurance, and accident insurance, increased; the growth of the role of digital technologies in the insurance industry. In 2022, insurance companies in Ukraine actively implemented digital technologies. This allowed them to improve the efficiency of their activities and ensure the availability of insurance services to the population. The growth of the role of insurance companies in ensuring financial stability. In 2022, insurance companies in Ukraine played an important role in ensuring the financial stability of the country. They paid insurance claims to those affected by the war, and also provided financial assistance to businesses. Conclusions: the insurance market in Ukraine has significant potential for further development. To do this, it is necessary to create favorable conditions for the activities of insurance companies, increase the level of insurance culture of the population, and ensure the stability of macroeconomic indicators.