Insurance medicine in Ukraine (Part 2)
Insurance fund is the main attribute of insurance medicine. It is formed due to obligatory deductions of wages working, deductions of employers’ profit, state grants and welfare funds.
Hospital cash departments
The previous Minister of Health of Ukraine has come out with the assumption, that 2-3 years will be required for introduction of insurance medicine in Ukraine.
Figures
It is planned, that in a year 15,573 billion UAH will be spent on maintenance of medical insurance.
In Ukraine already the first experiences of application of insurance medicine appear. Hospital cash departments may be considered as one of its prototypes. They quite successfully work in many cities of Ukraine. But it is the form of voluntary medical insurance. If to speak about obligatory medical insurance, it is worth of mentioning that talks on its necessity have started already in the beginning of 1990 - so long before occurrence of 49-th clause of the Constitution, Ukraine guaranteeing to all citizens free-of-charge health services. In 2002 the first bill about the state social medical insurance has appeared. Later six more bills, offering to enter obligatory medical insurance, have been submitted. But all of them have remained just projects. Next, these days already the eighth bill On obligatory state social medical insurance has been registered. On the basis of Fund of social insurance on time loss of working capacity the project offers to carry out services of obligatory medical insurance. Introduction of an innovation is planned for January, 1st, 2009.
Expenses for rendering of medical services will be guaranteed by the employer (4,2 % from fund of a payment) and local enforcement authorities, and clients will pay insurance payments regarding a covering of expenses for material maintenance and social services of the Fund.