DOI: 10.36871/ek.up.p.r.2021.09.03.005
UDC 368.91 (470 + 571)
Authors
B. A. DORONIN,
Doctor of Economics, Professor of the Department of Finance, Credit and Insurance, Stavropol State Agrarian University, Stavropol, Russia
Yu. E. KLISHINA,
Candidate of Economic Sciences, Associate Professor of the Department “Finance, Credit and Insurance”, Stavropol State Agrarian University, Stavropol, Russia
O. N. UGLITSKIKH,
Candidate of Economic Sciences, Associate Professor of the Department “Finance, Credit and Insurance”, Stavropol State Agrarian University, Stavropol, Russia
Abstract
The situation related to the COVID-19 pandemic has clearly shown the financial instability of the economy and the need to provide insurance protection not only for property, but also for one's own life. The COVID-19 pandemic is a new phenomenon for the entire insurance system, so it is difficult to predict how it will work in these conditions. The article assesses the current state of compulsory health insurance, reflects the reasons that contribute to the more active use of voluntary insurance tools. The analysis of the dynamics of insurance premiums for the main types of insurance is carried out, the factors of the growth of the need to create addi-tional income and their subsequent accumulation in order to avoid the onset of a crisis situation are consid-ered.
Keywords
life insurance, insurance market, pandemic, insurance coverage, compulsory health insur-ance, digitalization.
