Bìznes Inform (Nov 2019)
Prospects for Development of Health Insurance in Ukraine, in View of Foreign Experience
Abstract
The article is aimed at studying the prospects for development of health insurance in Ukraine, taking into account foreign experience. It is defined that reform of the health care system is an important condition in the course of European direction of Ukraine’s development. The priority in this matter is assigned to insurance medicine, in particular the introduction of compulsory national health insurance. To implement the modern health care model, we urgently need management and intermediary organizational structures (insurance organizations, foundations, insurance offices) and highly qualified medical personnel, which would provide appropriate attitude to the health of the insured persons. Analysis of health insurance in the socio-economic conditions of today’s Ukraine showed that it is at the initial stage of its development. The effective experience of the world countries in the sphere of insurance medicine proves that various models, compulsory health insurance systems have already been worked out and their high results have been proven. The introduction of a new model of health care financing in Ukrainian practice involves not the increasing financing, but changing the approach to resource management in order to use recourses more effectively. The main stages of implementing compulsory and voluntary insurance as a single complex should be: optimizing of compulsory health insurance rates; substantiating the optimal amount of insurance premiums for the unemployed population, pensioners and children; introducing more progressive cost-recovery methods; setting tax breaks; excluding the possibility of duplication of payment for medical services to be provided under compulsory and voluntary health insurance schemes; organizing the uniform standards and regulations for treatment and delivery of services.
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