ANALYSIS AND FORECASTING OF THE DEVELOPMENT OF THE VOLUNTARY HEALTH INSURANCE MARKET IN UKRAINE

Abstract

The article examines the development trends of the domestic market of the voluntary health insurance. It was determined that in the conditions of insufficient budgetary financing of the health care system as well as the low quality of medical care in Ukraine, the importance of extra- budgetary sources of financing is growing. The health sector needs to be reformed immediately, and alternative funding channels sought to ensure that health services are accessible to all sections of the population and are of a high quality. Based on the analysis of the indicator of the cost of "own pockets" of the population for health care, it was argued that health insurance can be a promising source of additional funding for health care in Ukraine. The further step was to analyze the share of health insurance in the European insurance market, its importance, and the growth of demand in the recent years. The study of the peculiarities of the domestic market of voluntary health insurance was carried out in the following logical sequence: the share of health insurance in the insurance market of Ukraine was considered, the dynamics of insurance premiums and insurance payments in general for health insurance and its varieties. The activity of insurers in the field of voluntary health insurance was also evaluated in the work. It was established that the leaders of the voluntary health insurance market are such insurance companies as: "UNICA", "PROVIDNA", "INGO", "ARX", "ALPHA-INSURANCE". Among the main advantages of these insurers is the variety of health insurance products that are available to different segments of the population and include a large list of insured events. The article also provided a forecast of the main indicators of the voluntary health insurance market of Ukraine for the next three years. Forecasts indicate a positive development of the voluntary health insurance segment in Ukraine and once again point to the prospect of financing medicine through the use of voluntary health insurance. The results of this study can be effective for professionals, economists, scientists in the insurance and the medical fields.