РОЗВИТОК ОСОБИСТОГО СТРАХУВАННЯ В УКРАЇНІ В УМОВАХ COVID-19

Abstract

The article examined the theoretical foundations of personal insurance, the basic types of personal insurance and comparison of social and personal insurance and their insurance risks. Including the current state and development of personal insurance in Ukraine in conditions of Covid-19. Analyzed the main statistical indicators of personal insurance, in particular the dynamics of life insurance companies, set of insurance premiums and insurance payments of medical and personal voluntary insurance. Rankings of life insurance companies from Covid-19 are built during the onset of the pandemic. Health care funding that provides health care fees between different groups of the population is carried out through medical insurance. World experience shows that the insurance market contributes not only to the development of the economy, but also to the solution of social problems. This reduces the effect on the expenditure part of the budget is reduced and state spending on social security of citizens, thereby opening up the possibility of solving problems of protection of the most disadvantaged groups. However, world best practices in combating pandemic Covid-19. In particular, the experience of China was considered, which showed that health insurance coverage should be provided to all to segments of the population, which greatly affected the fight against the pandemic during the fight against it. The experience of Italy showed that the country was not ready for fight against a coronavirus pandemic. The country has taken urgent measures that are aimed at supporting the most affected, both citizens and industries economics. Italian insurers offer their customers a reprieve for motor insurance, life insurance and insurance contracts entrepreneurial risks. The US experience showed that the country spends on Healthcare 11.5% of gross profit, that’s more than any country in the world. At the same time, more than 15% of citizens do not have financial protection from high costs, for medical care due to lack of insurance health policies due to high prices. The article highlights the main shortcomings and proposes certain recommendations for solving problems of personal insurance in Ukraine using certain elements of foreign experience.