scholarly journals Issues of the Private Medical Insurance Market

2010 ◽  
Vol 2010 (611) ◽  
pp. 611_141-611_156
Author(s):  
Tomoka Miyachi
Keyword(s):  
Medical Insurance ◽  
Insurance Market

scholarly journals Features of the competitive environment in the compulsory health insurance market

2021 ◽  
Vol 82 (4) ◽  
pp. 383-389
Author(s):  
N. E. Popova ◽  
T. S. Sergienko
Keyword(s):  
Health Insurance ◽  
Medical Insurance ◽  
Insurance Market ◽  
Insurance Companies ◽  
Competitive Environment ◽  
Medical Services ◽  
Compulsory Health Insurance ◽  
Health Insurance Market

In the context of increasing concentration in the medical services market, one of the key areas of the industry's development is expanding the opportunities for private medical organizations to participate in the MHI and developing competition between medical organizations participating in the MHI system. In the work the analysis of the competitive environment in the market of mandatory medical insurance for 2015-20018 years, the reasons to reduce insurance companies on the market of OMS over the years, as well as the consequences of this event, considered leaders by revenues and shares in the market during 2016-2018, the identified indicators of the level of concentration in these regions, the analysis of market OMS of the SFD identified the problematic aspects and ways of increasing the effectiveness of competition between health insurance organizations, the built Matrix porter services OMS, identified obstacles (obstructions), faced by entities when entering into the market of medical services in the MHI system.

Factors Widening the Gap between Hypothetical and Actual choices—Empirical Evidence from the Japanese Medical Insurance Market—

2019 ◽  
Vol 13 (2) ◽  
Author(s):  
Yoichiro Fujii ◽  
Noriko Inakura
Keyword(s):  
Risk Aversion ◽  
Empirical Evidence ◽  
Financial Literacy ◽  
Medical Insurance ◽  
Insurance Contract ◽  
Insurance Market ◽  
Personal Attributes ◽  
Actual Behavior ◽  
Medical Expenses ◽  
Questionnaire Surveys

Abstract This study examines the consistency in risk aversion between hypothetical and actual choices in medical insurance. Utilizing a unique survey in which individuals in Japan are asked about their perception of a hypothetical necessary amount for hospitalization benefits and the actual insurance contract amount at the time of hospitalization, the study identifies that the gap between the hypothetical and actual domains is not constant. Even between two similar domains of hospital benefits selection, the gap is found to vary depending on respondents’ anxiety about future medical expenses, their level of financial literacy, and other personal attributes such as age and occupation. The results of this study strongly suggest a need for exercising caution when using the degree of risk aversion obtained by hypothetical questions, questionnaire surveys, and experiments to predict actual behavior.

scholarly journals Voluntary medical insurance in Ukraine: state and prospects of development

2021 ◽  
Vol 27 (1-2) ◽  
pp. 70-75
Author(s):  
Z.S. Mysak ◽  
Keyword(s):  
Health Insurance ◽  
Financial Services ◽  
Practical Importance ◽  
Medical Insurance ◽  
State Regulation ◽  
Insurance Market ◽  
National Commission ◽  
Medical Expenses ◽  
Insurance Premiums ◽  
Insurance Contracts

Aim. The paper analyzes the state of the voluntary medical insurance in Ukraine and identifies the tendencies of its development. Material and Methods. The research was conducted on the basis of consolidated reporting data of the National Commission for State Regulation of Financial Services Markets using statistical methods, structural-logical analysis and systematic approach. Results and Discussion. According to the results of the study, the permanent health insurance is a dominant segment in the market of voluntary medical insurance in Ukraine; however the medical expenses insurance shows a steady upward trend. During the study period, the number of concluded contracts by type of medical insurance increased by 3.1 times. The increase in contracts on health insurance against disease turned out to be the most significant: in 2019, 4.7 times more contracts were concluded than in 2015. The dominance of corporate medical insurance in the segment of the market of permanent health insurance was established, while the insurance premiums made by individuals prevailed in the segment of health insurance against disease and medical expenses insurance. When studying the level of payments under voluntary medical insurance contracts, it was found that the highest level of payments had been recorded for permanent health insurance (56.95% - 62.12%). In the result of analyzing the level of reinsurance in the voluntary medical insurance market, a reduction in the ratio of insurance premiums transferred to non-resident reinsurers was established. On the basis of which it can be affirmed that the inwards reinsurance in Ukraine is being formed. The formation of the inwards reinsurance market in Ukraine has significant prospects, as it will ensure the attraction of funds into the national economy and promote integration into the international reinsurance space. Conclusions. The development tendencies study of the voluntary medical insurance is of practical importance for assessing and increasing the competitiveness of the medical insurance market in Ukraine

scholarly journals Current state of voluntary medical insurance in Ukraine

2021 ◽  
Vol 70 (3) ◽  
pp. 79-88
Author(s):  
M. Myhailyuk ◽  
T. Roman ◽  
Ya. Tanchak
Keyword(s):  
Health Insurance ◽  
Private Insurance ◽  
Medical Insurance ◽  
Insurance Market ◽  
Insurance Companies ◽  
Insurance Premiums ◽  
Voluntary Health Insurance ◽  
Advantages And Disadvantages ◽  
Current State ◽  
Health Insurance Market

The current state of voluntary health insurance in Ukraine is analyzed in this paper. The place of voluntary medical insurance in the insurance market of Ukraine is determined. The essence, purpose, objectives, features, advantages and disadvantages of voluntary health insurance as one of the funding sources for medical sector are considered as well. The programs under which voluntary health insurance is currently implemented are listed, these are mainly personal and corporate ones. The main tendencies are investigated, relative indicators of the functioning level of voluntary health insurance market are calculated. The problems of voluntary health insurance are identified and measures for such insurance development in Ukraine are proposed. Our investigation is devoted, particularly, to the identification of the main problems in the development of voluntary health insurance in Ukraine. The authors investigated the availability of voluntary health insurance for population, analyzed the state of industry reforming in a certain period and substantiated the consequences of the reform impact on the voluntary health insurance market in Ukraine. The dynamics of the health insurance market indicators is analyzed on the basis of the size of gross insurance premiums and payments, as well as the calculated indicator - the insurance payments coefficient. In particular, insurance payments for voluntary health insurance in the regional context, by regions in individual insurance companies for a certain period of time are analyzed. The method of compiling the rating of insurers on the basis of insurance premiums and payments is proposed. It is determined that the level of medical services is growing, as well as the trust in voluntary health insurance in Ukraine. The main problems of the voluntary health insurance system functioning are highlighted and recommendations for improving the quality and availability of health insurance in Ukraine are proposed. These recommendations take into account a set of economic, legal and social factors of the insurance market development. Measures for state authorized bodies and private insurance companies that provide the extension of voluntary health insurance in Ukraine are proposed.

REGIONAL FEATURES OF THE DEVELOPMENT OF VOLUNTARY HEALTH INSURANCE IN RUSSIA (on the example of the Republic of Dagestan)

2020 ◽  
Vol 2 (10) ◽  
pp. 92-97
Author(s):  
Yu. M. MAKHDIEVA ◽  
◽  
N. R. ASEKOVA ◽  
Keyword(s):  
Health Insurance ◽  
Medical Insurance ◽  
The State ◽  
Insurance Market ◽  
Key Factors ◽  
Present Stage ◽  
Voluntary Health Insurance ◽  
Regional Features ◽  
The Republic ◽  
Further Development

The article examines the regional features of the development of voluntary health insurance in Russia at the present stage. On the example of the Republic of Dagestan, the author considers the key factors and trends in the development of the voluntary medical insurance market in the region. It has been substantiated that in the current conditions, the adoption of effective measures by the state is of paramount importance for the further development of this segment of the insurance market.

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