CURRENT TRENDS IN THE DEVELOPMENT OF HEALTH INSURANCE UNDER WAR CONDITIONS

Abstract

This article analyzes the functioning of health insurance in Ukraine under martial law, reevaluating its role in ensuring healthcare financial stability and public social protection. The full-scale war has severely burdened medical infrastructure, escalating the demand for medical care, physical rehabilitation, and psychological support, while underscoring the urgent need for alternative funding sources within the healthcare sector.
The main challenges facing health insurance development are systematized, including limited public coverage, declining citizen purchasing power, medical infrastructure deterioration, regional disparities, large-scale migration, and regulatory inadequacies. The study demonstrates that these interconnected systemic issues heavily constrain the capacity of health insurance to provide adequate medical protection under wartime conditions.
Particular attention is devoted to contemporary trends, including process digitalization, telemedicine expansion, electronic insurance policies, automated claims settlement, and enhanced psychological support programs. Furthermore, the research substantiates the feasibility of introducing mandatory health insurance as a vital tool to secure stable sector financing, foster social solidarity, and improve overall service accessibility.
Finally, the paper proposes comprehensive directions for modernizing health insurance by optimizing the regulatory framework, integrating insurance with state health guarantees, and upgrading insurers’ risk management systems. Implementing these measures across voluntary and mandatory frameworks will contribute to cultivating a financially sustainable, socially oriented, and adaptive healthcare system in Ukraine during wartime and post-war recovery.