REGISTRATION CERTIFICATE

KV #19905-9705 PR dated 02.04.2013.

 FOUNDERS

RESEARCH CENTRE FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS (KHARKIV, UKRAINE)

According to the decision No. 802 of the National Council of Television and Radio Broadcasting of Ukraine dated 14.03.2024, is registered as a subject in the field of print media.
ID R30-03156

 PUBLISHER

Liburkina L. M.

 SITE SECTIONS

Main page

Editorial staff

Editorial policy

Annotated catalogue (2011)

Annotated catalogue (2012)

Annotated catalogue (2013)

Annotated catalogue (2014)

Annotated catalogue (2015)

Annotated catalogue (2016)

Annotated catalogue (2017)

Annotated catalogue (2018)

Annotated catalogue (2019)

Annotated catalogue (2020)

Annotated catalogue (2021)

Annotated catalogue (2022)

Annotated catalogue (2023)

Annotated catalogue (2024)

Thematic sections of the journal

Proceedings of scientific conferences

The Factors of Influence on the Development of Voluntary Health Insurance
Kondratenko D. V., Hromakova V. V.

Kondratenko, Diana V., and Hromakova, Viktoriia V. (2021) “The Factors of Influence on the Development of Voluntary Health Insurance.” Business Inform 4:243–249.
https://doi.org/10.32983/2222-4459-2021-4-243-249

Section: Finance, Money Circulation and Credit

UDC 368:366.01

Abstract:
The article is aimed at studying the theoretical and practical aspects of factors influencing the development of voluntary health insurance (VHI) in Ukraine. The place and indicators of development of the health insurance market in Ukraine for 2012-2019 are researched. The dynamics of health insurance market indicators based on the amount of gross insurance premiums and payments is analyzed; it is proved that voluntary health insurance (continuous health insurance) is characterized by growth during the last five years. The factors that significantly influenced the development of the market and the current state of voluntary health insurance, in particular the COVID-19 pandemic, the economic crisis, high incidence rates of insured persons, the significant cost of an insurance medical policy, the lack of tax preferences for business regarding medical social packages and the lack of specialized educational institutions on the VHI, are determined. The classification of factors of influence on the development of voluntary health insurance according to the level of their occurrence is carried out, and it is determined that the following factors have the greatest force of influence on the VHI: deterioration of solvency of potential insurers; pricing in the medical market; excessive tax burden for legal entities. It is substantiated that the indisputable way of motivating the introduction of voluntary health insurance is to amend the tax legislation of Ukraine; micro insurance is proposed as a basis for the development of voluntary health insurance. Prospects for further research lie in the study of factors influencing the development of micro insurance in the country.

Keywords: health care, voluntary health insurance, factors of influence, micro insurance.

Fig.: 2. Bibl.: 11.

Kondratenko Diana V. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Finance and Credit, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]
Hromakova Viktoriia V. – Student, Kharkiv National University of Civil Engineering and Architecture (40 Sumska Str., Kharkіv, 61000, Ukraine)
Email: [email protected]

List of references in article

Butkivska, T. V. “Medychne strakhuvannia - tsinnisno-tsilyove znachennia v finansuvanni okhorony zdorovia v Ukraini“ [Health Insurance is a Value-targeted Value in Health Care Financing in Ukraine]. Ukrainskyi strakhovyi klub (2021): 24-26.
Butkivska, T. V. “Chy ye maibutnie u dobrovilnoho medychnoho strakhuvannia v Ukraini?“ [Does Voluntary Health Insurance Have a Future in Ukraine?]. Ukrainska pravda. January 29, 2021. https://www.pravda.com.ua/columns/2021/01/29/7281700/
Volokhova, L. F., and Ostapenko, D. O. “Medychne strakhuvannia ta yoho rozvytok v Ukraini“ [Health Insurance and Its Development in Ukraine]. Fynansovye usluhy, no. 1 (2017): 35-39.
Vremenko, L. V. “Reforma okhorony zdorovia v Ukraini: rozvytok medychnoho strakhuvannia ta konkurentsii pryvatnoho sektora“ [Health Care Reform in Ukraine: Development of Health Insurance and Private Sector Competition]. In Finansovi posluhy: problemy teorii ta praktyky, 5-22. Kharkiv: Lider, 2016.
“Informatsiia pro stan i rozvytok strakhovoho rynku Ukrainy u 2013-2019 rokakh“ [Information on the State and Development of the Insurance Market of Ukraine in 2013-2019]. Natsionalna komisiia, shcho zdiisniuie derzhavne rehuliuvannia u sferi rynkiv finansovykh posluh. https://www.nfp.gov.ua/ua/Informatsiia-pro-stan-i-rozvytok-strakhovoho-rynku-Ukrainy.html
Kozmenko, S. M., and Okhrimenko, I. O. “Analiz zakonodavchykh initsiatyv shchodo oboviazkovoho medychnoho strakhuvannia v Ukraini“ [Analysis of Legislative Initiatives on Compulsory Health Insurance in Ukraine]. Visnyk Ukrainskoi akademii bankivskoi spravy. 2012. https://essuir.sumdu.edu.ua/bitstream-download/123456789/51903/6/Kozmenko_health_financing.pdf
Kiyashko, A. “Meditsinskoye strakhovaniye. Kak strakhovoy kompanii vyzhit v krizis?“ [Health Insurance. How Can an Insurance Company Survive the Crisis?]. http://forinsurer.com/public/15/04/09/4716
Shirinian, L. V., and Shirinian, A. S. Mikrostrakhuvannia v Ukraini: buty chy ne buty? [Microinsurance in Ukraine: To Be or Not to Be?]. Cherkasy: Chabanenko Yu. A., 2012.
“Reyting strakhovykh kompaniy Ukrainy“ [Rating of Insurance Companies of Ukraine]. https://forinsurer.com/ratings/nonlife
Sova, O. Yu. “Suchasnyi stan ta perspektyvy rozvytku medychnoho strakhuvannia v Ukraini“ [Current State and Prospects of Development of Medical Insurance in Ukraine]. Vcheni zapysky Universytetu «KROK», no. 49 (2018): 80-92. DOI: https://doi.org/10.31732/2663-2209-2018-49-80-93
“Spilnyi zvit VOOZ ta Svitovoho banku «Ukraina: ohliad reformy finansuvannia systemy okhorony zdorovia 2016-2019»“ [Joint Report of the WHO and the World Bank "Ukraine: A Review of Health Care Financing Reform 2016-2019"]. https://www.euro.who.int/__data/assets/pdf_file/0018/425340/WHO-WB-Joint-Report_UKR_Full-report_Web.pdf

 FOR AUTHORS

License Contract

Conditions of Publication

Article Requirements

Regulations on Peer-Reviewing

Publication Contract

Current Issue

Frequently asked questions

 INFORMATION

The Plan of Scientific Conferences

 OUR PARTNERS

Journal «The Problems of Economy»