Author (s): Kravchuk A.

Work place:

Kravchuk A.,

Grand PhD in Economic Sciences, Professor,

Professor of Economics and Social Disciplines Department,

Academy of the State Penitentiary Service,Chernihiv, Ukraine

Language: Ukrainian

Scientific Herald of Sivershchyna. Series: Education. Social and Behavioural Sciences 2019. № 1 (2): 72–82


The study of the dynamics of changes in insurance claims had identified a number of dependencies that correlate and display execution risk insurance for all its species. The article covers the features’ formation for general concept of the insurance market in Ukraine. The growth of the insurance potential leads to increasing insurers liability level before insured for insurance services quality and a high level of support. The control of insurance support quality is reflected in the insurance service of compensation, which is the most complicated in the relationship between the insurer and the insured, because at this stage of their economic interests diametrically do not match.

The interest of an insured in compensating losses and lowering insurance payments level as an insurer priority, forms a priori confrontation and a decrease in his interest in obtaining insurance services in the future. This study indicators of insurance reimbursement for all types of insurance allows clearly demonstrate the efficacy of the system of insurance indemnity insurers of Ukraine.

The study proved that changes in terms of insurance payments and amount of insurance refund improve the growth of insurance services quality and increase the incomes of insurance premiums. Changes in terms of insurance payments and amounts of insurance, to draw conclusions on improving the quality of insurance services during the implementation of insurance, on the one hand and increasing income premiums insurers to raise interest in risk transfer to insurers on the other. However, given the high level of insurance payments is clear increase in the cost insurance insurers, as insurance companies, business structures are formed for profit, not just to solve the social problems of the population.

Key words: insurance refund (indemnity); level of insurance payments; net insurance payments; insurance premiums.


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