DIGITAL TECHNOLOGIES AS A FACTOR IN ENHANCING THE FINANCIAL ACCESSIBILITY OF HEALTH INSURANCE IN UKRAINE
Abstract
The article examines the role of digital technologies in enhancing the financial accessibility of health insurance in Ukraine. The analysis of the current state of the insurance sector demonstrates a gradual digitalization of processes, active implementation of innovative technologies, and the integration of electronic services into the healthcare system. Particular attention is paid to the functioning of the electronic health system (eHealth), which includes electronic medical records, telemedicine, and digital prescriptions, ensuring the optimization of healthcare delivery processes, increasing service accessibility, and facilitating communication between patients and medical institutions. The article also considers the role of the National Health Service of Ukraine in financing medical services and monitoring the efficiency of resource utilization. A comparative analysis of international experience in digitalizing insurance services is conducted, including the use of artificial intelligence for automated risk assessment and product personalization, mobile applications for policy management and claims submission, as well as the integration of insurance services with other sectors of the economy. It has been established that Ukraine is making noticeable progress in the digitalization of health insurance; however, there are limitations regarding the level of artificial intelligence usage, integration of digital platforms, and standardization of services. Key digital tools influencing the efficiency, transparency, and financial accessibility of insurance products are identified, including electronic medical records, mobile platforms, Big Data analytics systems, artificial intelligence, telemedicine, and blockchain. At the same time, factors limiting the implementation of digital solutions in Ukraine are analyzed, including regulatory, organizational, and socio-psychological barriers, and the need for a comprehensive approach to overcome them is emphasized. The study shows that digitalization can significantly improve the efficiency and transparency of insurers’ operations, make insurance services more accessible to a wider range of the population, and contribute to the integration of the national healthcare system into a unified digital space.
References
Базилевич В. Д., Приказюк Н. В., Лобова О. М. Цифровізація у забезпеченні конкурентних переваг страхових компаній. Економіка та держава. 2020. № 2. С. 15–20. DOI: https://doi.org/10.32702/2306-6806.2020.2.15
Денисенко М. П., Коргун О. П. Інновації на страховому ринку України // Інвестиції: практика та досвід. 2015. № 21. С. 79–82.
Пікус Р., Заколодяжний В. Інноваційний розвиток страхової діяльності як основа підвищення її ефективності. Вісник Київського національного університету імені Тараса Шевченка. Економіка. 2015. Вип. 3. С. 72–80.
Заволока Ю. М., Єфременко А. Г., Малашенко Ю. А. Особливості функціонування страхового ринку України в умовах сучасної цифрової трансформації. Економіка та держава. 2020. № 6. С. 102–106. DOI: https://doi.org/10.32702/2306-6806.2020.6.102
Чуницька І. І., Ясентюк А. С. Функціонування страхового ринку України в умовах сучасної цифрової трансформації. Наукові записки Національного університету «Острозька академія». Серія «Економіка»: науковий журнал. Острог: Вид-во НаУОА, 2021. № 23(51). С. 89–94. DOI: https://doi.org/10.25264/2311-5149-2021-23(51)-89-94
Чвертко Л. А., Корнієнко Т. О., Вінницька О. А. Цифровізація страхового бізнесу як дієвий важіль управління ризиками. Sciences of Europe. 2022. Вип. 89. С. 7–11.
Insurance, Innovation and IoT: Insurers have their say on the Internet of Things. FCBusiness Intelligence, 2015. URL: https://www.the-digitalinsurer.com/wp-content/uploads/2015/09/581$c53e2110-846b4993-a476-c863188bc3e5_4346_Whitepaper_1_-FINAL.pdf
Технології: Телематика, BigData, IoT, Штучний інтелект. Forinsurer. URL: https://forinsurer.com/theme/77
Які технології стануть ключовими для сфери страхування в майбутньому. Insurance TOP: науковий журнал. 2021. № 7(83). URL: https://forinsurer.com/insurancetop_83
Bazylevych, V. D., Prykaziuk, N. V., & Lobova, O. M. (2020). Tsyfrovyzatsiia u zabezpechenni konkurentnykh perevah strakhovykh kompaniy [Digitalization in ensuring competitive advantages of insurance companies]. Ekonomika ta derzhava – Economy and State, no. 2, pp. 15–20. DOI: https://doi.org/10.32702/2306-6806.2020.2.15 (in Ukrainian)
Denysenko, M. P., & Korgun, O. P. (2015). Innovatsii na strakhovomu rynku Ukrainy [Innovations in the insurance market of Ukraine]. Investytsii: praktyka ta dosvid – Investments: Practice and Experience, no. 21, pp. 79–82. (in Ukrainian)
Pikus, R., & Zakolodiazhnyi, V. (2015). Innovatsiinyi rozvytok strakhovoi diialnosti yak osnova pidvyshchennia yii efektyvnosti [Innovative development of insurance activities as a basis for increasing its efficiency]. Visnyk Kyivskoho natsionalnoho universytetu imeni Tarasa Shevchenka. Ekonomika – Bulletin of Taras Shevchenko National University of Kyiv. Economics, no. 3, pp. 72–80. (in Ukrainian)
Zavoloka, Y. M., Yefremenko, A. H., & Malashenko, Y. A. (2020). Osoblyvosti funktsionuvannia strakhovoho rynku Ukrainy v umovakh suchasnoi tsyfrovoi transformatsii [Features of the functioning of the insurance market in Ukraine under modern digital transformation]. Ekonomika ta derzhava – Economy and State, no. 6, pp. 102–106. DOI: https://doi.org/10.32702/2306-6806.2020.6.102 (in Ukrainian)
Chunitska, I. I., & Yasentiuk, A. S. (2021). Funktsionuvannia strakhovoho rynku Ukrainy v umovakh suchasnoi tsyfrovoi transformatsii [Functioning of the insurance market in Ukraine under modern digital transformation]. Naukovi zapysky Natsionalnoho universytetu «Ostroh Academy». Seriia «Ekonomika» – Scientific Notes of the National University “Ostroh Academy”. Series “Economics”, no. 23(51), pp. 89–94. DOI: https://doi.org/10.25264/2311-5149-2021-23(51)-89-94 (in Ukrainian)
Chvertko, L. A., Korniienko, T. O., & Vinnytska, O. A. (2022). Tsyfrovyzatsiia strakhovoho biznesu yak dievyi vazhel upravlinnia ryzykamy [Digitalization of the insurance business as an effective risk management tool]. Sciences of Europe, no. 89, pp. 7–11. (in Ukrainian)
FCBusiness Intelligence. (2015). Insurance, innovation and IoT: Insurers have their say on the Internet of Things. FCBusiness Intelligence, Available at: https://www.the-digitalinsurer.com/wp-content/uploads/2015/09/581$c53e2110-846b4993-a476-c863188bc3e5_4346_Whitepaper_1_-FINAL.pdf
Forinsurer. Tekhnolohii: Telematyka, BigData, IoT, Shtuchnyi intelekt [Technologies: Telematics, Big Data, IoT, Artificial Intelligence]. Available at: https://forinsurer.com/theme/77 (in Ukrainian)
Insurance TOP. (2021). Yaki tekhnolohii stanut kliuchovymy dlia sfery strakhuvannia v maibutnomu [Which technologies will become key for the insurance sector in the future]. Insurance TOP: Scientific Journal, no. 7(83). Available at: https://forinsurer.com/insurancetop_83 (in Ukrainian)
