The dynamics of the financial reliability of insurers show rather unstable and often unfavorable trends, which indicate an increase in the risks of their financial insecurity and requires searching for reserves to improve their financial condition in the context of digitalization. The aim of the present research is to develop approaches for managing financial risks and profitability in Russian insurance companies in the context of digitalization. Structurally, the study consisted of a comprehensive analysis of the insurance market in the Russian Federation, as well as an identification of the components of the risk management process of insurance companies in the context of digitalization. Documents containing key features of the risk management system were selected for the study. We determined that to optimize the structure of the insurance portfolio, the insurer must regulate its portfolio by increasing the share of insurance receipts for personal insurance, which is highly profitable but occupies a meager share in the insurance portfolio. To do this, it is necessary to carry out active work to expand the insurance field, in particular, in relation to voluntary personal insurance, attracting a significant number of policyholders by conducting explanatory mass work using advertising events and agency-broker networks regarding the need and effectiveness of such insurance. Further research prospects should include proposals for replenishing the insurance portfolio with new types of personal insurance, making adjustments to the tariff policy of insurers for all types of voluntary personal insurance, and determining optimal tariffs.

The purpose of the article was to carry out an analysis of the experience of implementing Internet projects in the formation of the professional competence of students. The study involved 154 students aged 20 to 23 years. The article reveals the scale of general self-efficacy of R. Schwarzer and M. Erusalem and the Karpov reflexivity questionnaire as methods that allow determining the student's ability to independently navigate in conditions of uncertainty and solve professional problems, correct their actions to achieve the best result. The effectiveness of the Internet design of students of higher educational institutions was calculated as a percentage of the maximum possible result.

когда эти алгоритмы понадобятся, они не только были приняты и обсуждены в конкретном медицинском учреждении, но и заранее были отработаны, в идеале-до автоматизма. Не менее важный момент-действие команды. А точнее распределение обязанностей каждого члена бригады при борьбе с кровотечением, точное знание своих действий при развитии экстренной ситуации [2, 7, 8]. Развитие гипотонического послеродового кровотечения характеризуется быстрым переходом относительно управляемой ситуации в неуправляемую, а неуправляемой-в катастрофическую. Цель терапии при кровотече

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In this article we present considerable date about simultaneous operations in case of combination both surgical and gynecological pathology. The character of operative interactions is also discussed. There we show the results that characterize the application of laparoscopy and hysteroresectoscopy in case of treatment of differently located uterus myoma.