POLICY OF BANKING INSTITUTIONS FOR PROVISION OF VOLUNTARY MEDICAL INSURANCE SERVICES

Abstract

The scientific article analyzes the policy of banking institutions for the provision of voluntary health insurance services. The study identifies general trends in the introduction of voluntary health insurance opportunities in the context of the implementation of medical reform in Ukraine. It was stated that, today, there is no compulsory health insurance system in Ukraine, but there is only a distant prospect of its implementation. It has been established that the purpose of voluntary medical insurance is to provide financial and medical and social guarantees to citizens in the event of an insured event, full or partial compensation by the insurer of the cost of medical care at the expense of insurance reserves, as well as financing of preventive measures. The article indicates that the legal basis for the action of individual voluntary health insurance is the conclusion of an insurance policy. The study reflects the insurance offers of banks (Alfa Bank, PrivatBank, Ukrsibbank. BNP Paribas Group, KredoBank. PKO Bank Polski Group) for the provision of services for the registration of voluntary medical insurance for individuals. Voluntary medical insurance by banks consists of offers to clients about the possibility of obtaining a life and health insurance program (services for urgent emergency medical care, inpatient treatment, life insurance); health insurance programs offering protection for every day (accident insurance, outpatient injury care, travel insurance that provides medical care while traveling); round-the-clock medical dispatcher services (consulting, recommendations, informing, diagnosing clients). The attractive prospects for further improvement of voluntary health insurance not only in the sphere of banking services, but also its further development in the system of insurance companies are noted. Voluntary medical insurance will become an important prerequisite for the development of effective mechanisms for the introduction of insurance medicine in Ukraine. Prospects for further research are focused on a comprehensive analysis of the voluntary health insurance system to establish its quality and availability for privileged categories of the population.