Today’s events are making significant adjustments to everyone’s activities. However, some areas of the Association’s activity are unchanged and only intensify in the conditions of surrounding uncertainty. Currently, the focus is on expert work, building workable models that change the market will work for a long time, attention to areas that are both socially important and promising for insurers.
The direction of public-private partnership in health insurance fully corresponds to these parameters.
Issues related to health insurance, health care financing reform and the introduction of electronic mechanisms, the Universal Medical Coverage system, and the development of electronic health care are priorities in the Association’s activities throughout its existence, because according to the results of 2022, NAIU members hold 83% of the market of voluntary of medical insurance of Ukraine, and according to the results of 6 months of 2023 – 88.9%.
In this regard, NAIU welcomes the efforts of the Ministry of Health regarding health insurance and the recently adopted Roadmap for the implementation of health insurance, supports the arguments and steps defined in it.
We are sure that cooperation between business and the State can have a positive effect on the penetration and lowering of the cost of health insurance. Also, such interaction can partially solve the problem of “out-of-pocket” costs for health care, will ensure the involvement of the private sector as a full member of the health care system, the involvement of additional funding for both complementary and additional health care, the development of the electronic health care system . Insurers, within the framework of the settlement of insurance cases, can also provide control over the activities of health care institutions in terms of the use of funding, as well as the rational and adequate appointment of treatment to patients.
We are convinced that a necessary and significant contribution to the initiated reform will be the joint efforts of the Committee on National Health, Medical Aid and Medical Insurance of the Verkhovna Rada of Ukraine, the National Bank of Ukraine and the Ministry of Health.
Among the priority concrete steps that are necessary for the implementation, in particular, of the mentioned Roadmap, and the norms laid down in the Draft Strategy for the Development of the Health Care System until 2030 from February 23, 2022, and the rights granted to insurers in the settlement of insurance cases by articles 102 and 103 of the new Law “On Insurance”, we see the need to develop a public-private partnership model in the electronic health care system, in particular, working out the options for involving insurers in the electronic health care system.
For the successful implementation of the above, NAIU appealed to the main stakeholders with the initiative of making relevant legislative changes to involve insurers in exchanging data with the electronic health care system.
Since the task of NAIU is to participate in the development and improvement of legislation in the field of financial services, including in the field of insurance, the organization and conduct of examination of acts, and the implementation of other projects that contribute to the formation and development of the insurance services market, NAIU is ready to provide its own expertise and data, develop projects and submit proposals, conduct analysis and testing of projects involving the role of insurers in the medical system of Ukraine or attracting additional funding to the medical industry, creating a unified medical information space, developing electronic health care and an electronic health care system.
NAIU does not stop and continues to implement the best practices in the insurance market and to contribute to the development of a solvent, stable, competitive insurance market in Ukraine with proper protection of the rights of consumers of insurance services.
