Abstract
In the conditions of insufficient budgetary financing of the health care system and low quality of medical care in the state medical establishments of Ukraine, the importance of extra-budgetary sources of financing becomes increasingly relevant. One such source is voluntary health insurance. The aim of the paper is to compare the state and structure of medical financing in developed countries and in Ukraine, to study the global experience in the functioning of the voluntary health insurance market, and to calculate the potential capacity of the voluntary health insurance sector in Ukraine. For mathematical calculations, 20 absolute indicators of the state of the voluntary health insurance sector, as well as macroeconomic indicators, were used. The annual values of absolute indicators for the period 2010–2019 were used in forming the array of input data. Based on the experience of foreign countries, the paper substantiates the development of the voluntary health insurance in Ukraine as an extra-budgetary source of health care funding. The capacity of the voluntary health insurance sector was defined by the authors as the maximum possible amount of insurance premiums that insurers can receive in the process of selling voluntary health insurance products. The calculations made it possible to conclude that the voluntary health insurance market in Ukraine has the potential for development, as evidenced by the predominance of the potential capacity of the voluntary health insurance segment over its real indicator.
Highlights
In the conditions of financial, social and political crisis, which are typical for Ukraine, the state cannot ensure the stability of social assistance to its citizens
All this raises the issue of assessing the potential cators that we have chosen for the calculations, x4 capacity of the voluntary health insurance sector, and x5, are stimulants, as their growth will lead to which will provide data for assessing the prospects an increase in the resulting indicator
The analysis of sources for health care funding in 25 countries allows concluding that there is insufficient funding for medicine in Ukraine, as according to almost all indicators this country occupies the last position among the selected countries
Summary
In the conditions of financial, social and political crisis, which are typical for Ukraine, the state cannot ensure the stability of social assistance to its citizens. The need for compulsory state social health insurance in Ukraine determines the current state and procedure for financing the health care sector, the main drawback of which is the use of the only significant source of funding – budgetary resources. It presents the results of the study and their economic interpretation. ; m wi vi , where xos and kkor – respectively the main and corrective component of the capacity indicator; p – the element of the corrective component, which characterizes the significance of component indicators; m – the element of corrective component, which characterizes the degree of influence of indirect indicators on the resulting indicator; xi – the value of the i-th indicator for the studied period, which is part of the corrective component; wi – the weighting coefficient of the elements of correcting component; vi – the weight of the impact of indirect indicators of the corrective component on the resulting indicator
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