THE ROLE OF SOCIAL AND PERSONAL INSURANCE IN PROVIDING PUBLIC WELFARE IN UKRAINE
Анотація
Introduction. Achieving public welfare is impossible without an effective social protection system, which combines pension insurance, social insurance, health care, as well as material support in difficult life situations. Low budget funding for social protection of population necessitates the use of insurance instruments to neutralize major social risks. However, the role of social and personal insurance in the financial provision of social protection remains insufficient, and its potential in improving the welfare of Ukrainians is underestimated. However, the role of social and personal insurance in the financial provision of social protection remains insufficient, and its potential in improving the welfare of Ukrainians is underestimated.
The purpose is to define the role and outline the prospects for the development of social and personal insurance in the context of ensuring public welfare in Ukraine.
Results. The essence and main components of social welfare are revealed. It was found that the level of well-being of Ukrainians is ten times lower than in European countries. There are the main negative factors which influence the social protection system defined, in particular: low income and rising expenditures of the Pension Fund of Ukraine and the Social Insurance Fund of Ukraine, the widespread practice of minimizing SSPs by refusing to enter into classic employment contracts in favor of civil agreements with individual entrepreneurs, reduction of the number of insured persons working for hire, high level of labor emigration of Ukrainians. The health care system impact on the growth of public welfare in Ukraine is analyzed. The inefficiency of the current financial support model of the health care system is substantiated, which makes it necessary for households to pay for most of the cost of medical services. Tendencies in the development of the domestic health insurance market are highlighted.
Perspectives. It is proposed to revise the principles of building accumulative pension insurance and introduce a budget-insurance model of financing the health care system, which will help to improve the welfare of the population of Ukraine.
Ключові слова
Повний текст:
>PDF
Посилання
Slukhaі, S.V., Borshchenko, T. I. (2017). Chynnyky suspilnoho dobrobutu: instytutsiіnyі aspekt [Social welfare factors: institutional aspect]. Naukovyі visnyk Mizhnarodnoho humanitarnoho universytetu. Ekonomika i menedzhment – International Humanitarian University Herald. Economics and Management, 25-1, 4–8. Available at: http://www.vestnikeconom.mgu.od.ua/journal/2017/25-1-2017/3.pdf.
Horyn, V. P. (2020). Finansovyi mekhanizm zabezpechennia suspilnoho dobrobutu v svitli instytutsiinoho pidkhodu do naukovoho piznannia [The financial mechanism of public welfare ensuring in the light of the institutional approach to scientific knowledge]. Ahrosvit – Agrosvit, 10, 57–64. Available at: http://www.agrosvit.info/pdf/10_2020/10.pdf.
Krysovatyі, A., Lutsyk, A. (2016). Podatkovi aspekty sotsialnoho dobrobutu v Ukraini [Tax aspects of social welfare in Ukraine]. Svit finansiv – World of Finance, 2(47), 7–17. Available at: http://sf.tneu.edu.ua/index.php/sf/article/view/935/943.
Ofitsiinyi sait Derzhavnoi sluzhby statystyky Ukrainy – Official site of The State Statistics Service of Ukraine]. Available at: http://www.ukrstat.gov.ua/.
Rippa, M. (2018). Imperatyvy biudzhetnoho finansuvannia sotsialnoho zakhystu i sotsialnoho zabezpechennia v Ukraini [Imperatives of budgetary financing of social protection and social security in Ukraine]. Svit finansiv – World of Finance, 3 (56), 28–40 [in Ukrainian].
Zvity pro robotu ta vykonannia buidzhetu Pensiinoho fondu Ukraiiny za 2014-2019 roky [Reports on the work and execution of the budget of the Pension Fund of Ukraine for 2014-2019]. Available at: https://www.pfu.gov.ua/diyalnist/zvity-pro-robotu/.
Horyn, V. P. (2017). Rol pensiinoho strakhuvannia u zabezpechenni suspilnoho dobrobutu [The role of retirement insurance in providing social welfare]. Stalyi rozvytok ekonomiky – Sustainable Economic Development, 1(34). Available at: https://journals.indexcopernicus.com/api/file/viewByFileId/303427.pdf.
Nederzhavne pensiine zabezpechennia v Ukraiini: otsinka ta rekomendatsii [Private pension provision in Ukraine: assessment and recommendations]. 2019. Zvit proektu USAID “Transformatsiya finansovoho sektoru” – USAID Financial Sector Transformation Project Report. Available at: https://nfp.gov.ua/ua/Informatsiia-pro-stan-i-rozvytok-strakhovoho-rynku-Ukrainy.html.
Informatsiia pro stan i rozvytok strakhovoho rynku Ukrainy u 2013–2019 rokakh [Information on the state and development of Ukrainian the insurance market in 2013–2019]. Natsionalna komisiia, shcho zdiisnyuie derzhavne rehuliuvannia u sferi rynkiv finansovykh posluh – National Commission for State Regulation of Financial Services Markets. Available at: https://nfp.gov.ua/ua/Informatsiia-prostan-i-rozvytok-strakhovoho-rynku-Ukrainy.html.
Analiz diialnosti Fondu sotsialnoho strakhuvannia [Analysis of the Social Insurance Fund]. Ofis z finansovoho ta ekonomichnoho analizu u Verkhovnii Radi Ukrainy. Kviten 2019 – Office of Financial and Economic Analysis in the Verkhovna Rada of Ukraine. April 2019. Available at: https://feao.org.ua/wp-content/uploads/2019/04/fss.pdf.
Ofitsiynyi sait Fondu sotsialnoho strakhuvannia Ukrainy – Official site of the Social Insurance Fund of Ukraine]. Available at: http://www.fssu.gov.ua/fse/control/main/uk/publish/category/919872.
Natsionalni rakhunky okhorony zdorovia Ukrainy [Ukrainian national accounts of health care]. Derzhavna Sluzhba statystyky Ukrainy – The State Statistics Service of Ukraine. Available at: http://www.ukrstat.gov.ua/.
Pro zahalnooboviazkove derzhavne sotsialne strakhuvannya. Zakon Ukrainy vid 23.09.1999 № 1105-ХІV [On mandatory state social insurance, Law of Ukraine]. (1999, September, 23). Available at: https://zakon.rada.gov.ua/laws/show/1105-14#Text.
DOI: https://doi.org/10.35774/sf2020.03.051
Посилання
- Поки немає зовнішніх посилань.
West Ukrainian National University