Развитие добровольного медицинского страхования: позиция работодателей

Обязательное медицинское страхование в Российской Федерации. 2011. № 6. С. 40–45.

Potapchik E., Selezneva E., Shishkin S.

This article continues the publication of results in study of employers' relation to the health protection of their employees that was performed by the National Research University at the Higher School of Economics. An Information basis of the study included the data of sociologic questioning performed in 2010 for directors of big and medium enterprises and organizations of various economy branches. The obtained results are evidence of the fact that 38% of questioned enterprises and organizations entered into contracts of voluntary medical insurance and 10% had direct agreements with medical institutions. In spite of economic crisis consequences only an insignificant part of employers reduced expenses for agreements of additional medical aid provision for their employees in 2010, or decreased a scope of employees by these agreements. The overwhelming majority of employers sow positive results in investments of own funds into additional medical aid for their employees. In a majority of cases the employers embraced all employees in agreements of voluntary medical insurance and completely paid polices. Therein the employer placed the greater financial responsibility on employees themselves the higher the level of professional risk of work is at the enterprise.

Keywords: работодатели, employers, voluntary medical insurance, insurer, добровольное медицинское страхование, страховщики