Development of the voluntary health insurance market in Ukraine

Abstract

This paper is aimed to study the development trends of the domestic voluntary health insurance market. The authors analyzed the current state of the domestic voluntary health insurance market by its types. In the study framework, the main tendencies were determined, while the relative ratios of voluntary health insurance market functioning were calculated. Health insurance has a great potential to be a promising source of additional funding for medicine in Ukraine. However, the systematization of scientific sources indicated that unresolved issues of further development of health insurance and the search for effective external funding sources for medicine in Ukraine, one of which may be the market of voluntary health insurance. This research’s urgency consists of insufficient healthcare budgetary funding and low healthcare quality, provoking external funding sources’ growth in national healthcare facilities such as voluntary health insurance. The study of the features of the voluntary health insurance market development was carried out in the following logical sequence: determining the relevance of the research topic; investigating the scientific background on the research topic; establishing the methodological basis; analyzing the indicators of voluntary medical insurance market development; considering the structure of health funding sources in Ukraine and some countries of Eastern Europe. The authors determined a need to develop voluntary health insurance in Ukraine as an external health funding source based on the findings. The conclusions and recommendations were formed. The study involved the methods of deduction and induction, analogy and comparative analysis, graphical method, method of statistical comparison. The research object is the voluntary health insurance market in Ukraine. The research period is 2012-2020. The obtained results indicated that the voluntary health insurance market is undoubtedly an essential component of the Ukrainian insurance market. The authors noted that it is an effective additional way for actual funding the social needs in medicine. Therefore, it calls for further in-depth study and more attention from the population. The results of this study could be helpful for scientists, health and insurance professionals.

External Funding and its Effects on Out-of-Pocket Expenditure in SAARC Nations: Global Health Financing Strategies

“…However, inadequate sustainability of health impacts from external funding in HIV, TB, and malaria programs is a matter of concern [8]. In countries facing insufficient healthcare budgetary funding and low healthcare quality, external funding sources, such as voluntary health insurance, have grown in national healthcare facilities [14].…”

“…Good government policies supporting the high health expenditure from government, private, and external sources improve health outcomes. While as high OOPS leads to impoverishment and adverse health outcomes [14].…”

Interaction between health insurance, household income, and public health financing in Ukraine

“…All this made it possible to transform healthcare services and adapt to new forms of medical care organization, for example, telemedicine, the context of their impact on forming the national health insurance system (Tiutiunyk et al, 2021(Tiutiunyk et al, , 2022Yarovenko et al, 2021). The use of artificial neural networks, artificial intelligence, big data, and smartphone software is another promising direction of innovation that will improve the quality of information, consultation, and reference services in the health insurance field (Starostina et al, 2020;Vieriezubova & Levchenko, 2017;Zhuravka et al, 2021).…”

Efficiency of the Implementation of Innovation and Investment Projects at Healthcare Institutions: Integral Analysis and Ways of Enhancement

“…The purely applied nature of these processes has been critically "exposed" by the war since it was waged against Ukraine in 2014. Therefore, the problems of preserving human resources, including the means of highquality functioning of the medical system, and its reforming, are sufficiently comprehensively disclosed in publications on the formation of hospital provision of healthcare institutions [1], the expansion of the spectrum of medical rehabilitation services [2], the strengthening of social and demographic security of the country [3], the de-velopment of the market of voluntary health insurance [4], the definition of the tools of the regional policy of preserving human resources in countries that are in difficult conditions of the intensive outflow of human resources [5].…”

“…Дністровська, 32, Івано-Франківськ, 76000, Україна, +380 34 275 4208, ifnnim@wunu.edu.ua 3 Львівський торговельно-економічний університет, вул. Туган-Барановського, 10, Львів, 79008, Україна, +380 32 275 6550, lute@lute.lviv.ua 4 Національний університет «Львівська політехніка», вул. С. Бандери, 12, Львів, 79000, Україна, +380 32 258 2111, com.centre@lpnu.ua ЕФЕКТИВНІСТЬ РЕАЛІЗАЦІЇ ІННОВАЦІЙНО-ІНВЕСТИЦІЙНИХ ПРОЄКТІВ ЗАКЛАДІВ ОХОРОНИ ЗДОРОВ'Я: ІНТЕГРАЛЬНИЙ АНАЛІЗ ТА НАПРЯМИ ПІДВИЩЕННЯ Вступ.…”