HEALTH INSURANCE, PROSPECTS OF DEVELOPMENT IN UKRAINE

Анотація

The purpose defines health insurance as a form of social protection in the field of health care, which provides guarantees of medical care in case of loss of health for any reason, including in connection with illness or accident. There is a mechanism for providing health insurance through the formation of personal insurance funds designed to finance medical care under insurance programs. The directions of improvement of legislative regulation of health insurance are offered. The peculiarities of the formation of health insurance programs by insurance companies, ensuring effective cooperation with medical institutions are determined. Theoretical bases of medical insurance, study by domestic scientists, problems of introduction of medical insurance and prospects of introduction and development of medical insurance in Ukraine are covered. Results. Ukraine remains united a post-Soviet country where compulsory health insurance for all citizens has not been introduced. On the law why the order of formation and distribution of health insurance funds, mechanisms of cooperation is not fixed state and insurance companies in the field of insurance medicine. The above issues need further research and proposals for the development of health insurance in Ukraine in order to effectively ensure the financing of medicine and protection of citizens’ rights health care. The solution is especially important problems of health insurance in the process of health care reform. Value/originality. Compulsory health insurance can be provided by the implementation of insurance companies that have a license for such insurance. It should be noted that in many countries around the world, such services are provided, in particular, to certain categories of the population, and priority, expensive programs. A prerequisite for this insurance is the creation of preferential tax terms for insurance companies, guarantees of fulfillment of their obligations under compulsory health insurance. The next way is to form a fund of compulsory health insurance based on contributions from employers, workers and the state. The formation of such a fund is based on the interest of employers in the health of employees, as the main element of the production process. Objective necessity of formation of such fund also due to the provision of social funding th health insurance. Social health insurance provides to meet the needs of citizens in medical services, regardless of purchasing power. And for children, students, people of retirement age contributions will be paid by the state. To optimally determine the tax burden for employers and citizens, compulsory health insurance programs should include only basic medical services, especially outpatient treatment and hospital stay. The list of basic services in the development of health insurance programs should be includes the provision of basic drugs, ancillary medicines, providing medical rehabilitation in cases of severe illness or disability, special early diagnosis and disease prevention services.

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