INTERNATIONAL BUSINESS DEVELOPMENT TRENDS IN THE HEALTH INSURACE MARKET

Abstract

The article discusses the institutional aspects of the international health insurance market, namely the features of the functioning of the largest private companies specializing in health insurance. Traditionally, the activities of health insurance companies operating in the field of voluntary medical insurance are of little research interest, since state paternalism in the medical field prevails in Russia and in many European countries. However, studies show that the demand for paid medical services in the world for various reasons is growing and, accordingly, the demand for voluntary medical insurance from leading private players in the health insurance market is growing. The article presents the interaction scheme of the main participants of the international health insurance market, gives an author's typology of companies specializing in health insurance, analyzes the main indicators of their activities and identifies trends in the further development of the health insurance business. the key ones are the growth and increase in the share of health insurance companies in international ratings, the transformation of legal forms of insurance companies, enlargement of health insurance organizations through mergers and acquisitions, the formation of strategic alliances and the acquisition of IT platforms, the expansion of international activities of insurance companies with a tendency towards globalization.