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How do insurance industry experts predict the development of insurance medicine? Is it necessary to purchase a health insurance policy? How does health insurance allow you to save on your own health expenses? We decided to ask these questions to the CEO of SK KRONA - Yulia Dobrenkova.
Yulia, SK KRONA and other insurance companies are actively developing the direction of corporate health insurance. Can you explain why the focus of most insurance companies is the corporate segment and what are the advantages of corporate health insurance?
Yulia Dobrenkova: It would be incorrect to say that SK KRONA deals exclusively with corporate health insurance. The question rather lies in the willingness of most Ukrainians to invest in insurance protection of their own health. According to research, only 5-6% of Ukrainians in Ukraine use the services of the State Health Insurance. A typical situation is when people with low health levels apply to an insurance company for individual insurance services, which affects the final cost of health insurance or insurance companies refuse to purchase a policy.
Most insurance companies are focused on the corporate segment because people with serious illnesses cannot work in companies that order corporate insurance. Companies that are fighting for the best staff include medical health protection for their employees in their social package.
Corporate health insurance — a tool that allows market players not only to fight for staff, but also to influence labor productivity in the medium term. Obtaining quality medical care will only lead to the retention of older employees and maintaining their productivity.
Do you think that personal health insurance can become available on the Ukrainian market?
Yuliya Dobrenkova: Many companies refuse to provide personal health insurance services. I will not discuss our competitors, at SK KRONA we have long found a formula that allows us to provide VHI services at an affordable price for the end consumer. At the same time, we provide a high level of service quality, which has long been appreciated by the clients of our insurance company.
How do you assess the medical reform and its impact on the medical insurance market?
Yulia Dobrenkova: let's leave the comments on the medical reform to the relevant experts? I will not give any assessments, because reforms are judged several years after their implementation. I believe that as a result of the reforms, insurance medicine will turn from a wonder for most Ukrainians into the same familiar service. At SK KRONA, we are constantly working to ensure that the VHI insurance policy is accessible to every Ukrainian, and the quality of the services provided is at a decent level.
What trends in health insurance services will be relevant in 2018?
Yulia Dobrenkova: I believe that in 2018 there will be an increase in demand for corporate employee health insurance programs. Medium and small business companies need to compete for highly qualified personnel, and the social package is increasingly important for talented employees. I believe that the "accuracy" of predicting the insurance package will develop, which will depend on the level of health of company employees. This will make the cost of health insurance packages even more affordable.
I think that some corporate clients will seek to co-finance the corporate health insurance package with their employees. This will allow them to shift part of the costs to personnel and optimize costs.
If we talk about trends in the work of SK KRONA, we will continue to work to be one of the leading insurance companies in terms of the quality and accessibility of insurance services in the field of health insurance.
Source: Correspondent
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