Sviet M. State Regulation of Medical Insurance in Ukraine

The thesis substantiates theoretical foundations and practical proposals for the improvement of state regulation in the system of health insurance in Ukraine. The essence of notions of «state regulation of health insurance» (defined as a set of state regulatory mechanisms of insurance protection of citizens’ health, that covers a set of measures, methods, means as well as instruments of state influence on the effective functioning of the health insurance system) and «mechanism of state regulation of health insurance» (understood as an organizational system of influence on management units in insurance activities in the healthcare sector, its structure consists of legal and regulatory, economic, organizational, motivational components) are disclosed. The state management mechanisms of health care in the sphere of health insurance (legal and regulatory, organizational and administrative, financial and economic) are described. The functional framework of state regulation of health insurance is designed to meet the ultimate needs for coverage of citizens’ health, to create conditions for financial security as well as to prevent manipulation among the population. The work defines the conceptual basis for the implementation of compulsory and voluntary health insurance in Ukraine: application of state financing as the approach towards the healthcare system funding; introduction of compulsory health insurance and voluntary health insurance, which facilitates the provision of timely, qualitative and accessible health services to the population as well as early detection of complex diseases; establishment of Oncological Diseases Control Fund and development of conditions its interaction with the Pension Fund of Ukraine; raising public awareness of the possibilities and advantages of health insurance; development of individual approach to each client; professional development of healthcare workers and administrative bodies in the field of healthcare in the framework of crisis management activities; determination of the relationship between the amount of contributions to the compulsory medical insurance fund and the size of income of the payers; stimulation of private health insurance development. A comparative analysis of health insurance systems in Ukraine and abroad is carried out, and it is ascertained how to implement foreign experience to solve the problem. Among the factors that lead to the low level of development of health insurance in Ukraine are the lack of a legislative basis, the low level of income of the population, the lack of information on health insurance, and the underdevelopment of the country’s insurance market, lack of demand for insurance services, economic instability.