Medical insurance as a component of social guarantees of the development of society
Authors: Stetsyuk Tetyana , Kuzmenko Zlata 
Published: February 2023

Introduction. In the system of measures to improve citizens' social guarantees, their right to health care occupies an important place. The European Social Charter obliges states to create a health care system that will contribute to improving the level of public health, reduce the state's susceptibility to crisis phenomena, and increase labor productivity and the standard of living of all segments of the population. The health care system, like the economy of our country, is in a state of war, has a number of significant shortcomings that make it ineffective and needs to be adjusted taking into account the problems it is experiencing. World experience shows that there may be different ways of solving this problem. In general, they differ in the structure of health care financing sources and the organization of the provision of medical services. In this regard, the study of the development of health insurance as an effective tool for providing guarantees for the population regarding health care issues becomes important in this regard. Practice shows that the current budgetary model of financing the health care sector is not able to independently cover the needs of the population in terms of the amount of free medical care guaranteed by the country's legislation.
Due to the lack of a clear distinction between guaranteed volumes and medical services provided to citizens on a paid basis, free medical care is replaced by various paid medical services, in particular, medical insurance. If we consider health insurance from a socio-economic point of view, it is one of the most important components of the effective functioning of national health care systems, the most effective form of social protection against risks that threaten the health and life of citizens, ensures availability, quality and complete satisfaction of various needs of the population in providing and receiving medical services.
Purpose. To analyse the health index of citizens according to various indicators; to summarize the contents of the Medical Insurance Programs against COVID-19; to systematize the structure of types of health insurance as an important component of social guarantees of society and to determine directions for its improvement based on indicators of insurance premiums and insurance payments.
Method (methodology). The authors used the abstract-logical method and the method of observation to form theoretical conditions and conclusions; structural method, comparative method for the analysis of health insurance and its development.
Results. The article examines health insurance as a component of the development of social guarantees of society; the "health index" of citizens is highlighted; a rating of insurance companies providing voluntary health insurance services was carried out based on the indicators of insurance premiums and insurance payments; types of medical insurance were analyzed by gross/net insurance premiums and payments; the dynamics of health care expenditures in Ukraine are characterized; the content of the COVID-19 insurance programs is characterized; it was determined that the dynamics of wages is important for the wide use of social security services.