IMPROVING THE QUALITY OF INSURANCE PRODUCTS AS A PREREQUISITE FOR THE DEVELOPMENT OF THE INSURANCE MARKET OF UKRAINE
Abstract
The article is devoted to issues related to the quality of insurance products on the Ukrainian insurance market. The article analyzes the factors that affect the quality of the insurance product, and also highlights the factors that can improve the quality of insurance products. Examples of insurance products that can be considered high-quality are outlined, and the quality factors of such insurance products are substantiated. The object of the research is the insurance product and its quality. The subject of the study is financial relations that arise in the process of creating and selling insurance products, as well as improving their quality In order to obtain the result in accordance with the set goal, the following tasks were singled out: - reveal the essence of the concept of "insurance product" and determine its relationship with the concept of "insurance service"; - identify the factors that affect the quality of the insurance product; − analyze the range of insurance products presented on the domestic market and evaluate their quality; - identify the most common insurance products and investigate the reasons for their popularity; - list the highest quality insurance products offered on the market; - find out the main problems with the quality of insurance products on the market; - develop recommendations for improving the quality of insurance products in the near future. The following methods were used to solve the identified tasks in the work: monographic - for the study of theoretical issues, comparative analysis of literary sources and disclosure of the economic essence of the insurance product and its quality; analytical - for processing statistical data of the actual activity of insurance companies; comparative analysis - to compare the characteristics of insurance products of different insurers. The article reveals the theoretical foundations of the essence of the insurance product, as well as defines the factors and criteria for ensuring its quality. The main problems and shortcomings of ensuring the quality of insurance products are highlighted, and the main ways of improving such quality are proposed. The article can be both for theoretical purposes with the definition of the material, and for practical purposes with the application of the presented information to improve the quality of insurance products in Ukraine.
References
Про Страхування: Закон України від 18 листопада 2021 року № 1909-ІХ/ Верховна Рада України.
Про обовʼязкове страхування цивільно-правової відповідальності власників наземних транспортних засобів: Закон України від 1 липня 2004 року № 1961-IV/ Верховна Рада України;
Терещенко Т.Є. Управління якістю страхової послуги, Вісник Хмельницького національного університету. №3 Т.1, 2011, С. 75–78.
Фісун І., Чернявська О. Сутність страхової послуги як товару на страховому ринку. Науковий вісник Полтавського університету споживчої кооперації України. № 2 (41). 2010. С. 178–183.
Pro Strakhuvannia [About insurance]: Law of Ukraine dated November 18, 2021 no. 1909-IX/ Verkhovna Rada of Ukraine.
Pro obovʼiazkove strakhuvannia tsyvilno-pravovoi vidpovidalnosti vlasnykiv nazemnykh transportnykh zasobiv (2004) [On mandatory civil liability insurance of owners of land vehicles]: Law of Ukraine dated July 1, no. 1961-IV/ Verkhovna Rada of Ukraine;
Tereshchenko T.I. (2011) Upravlinnia yakistiu strakhovoi posluhy [Insurance service quality management]. Visnyk Khmelnytskoho natsionalnoho universytetu - Bulletin of the Khmelnytskyi National University, no. 3 vol.1,pp. 75–78.
Fisun I., Cherniavska O. (2010) Sutnist strakhovoi posluhy yak tovaru na strakhovomu rynku [The essence of the insurance service as a product on the insurance market], Naukovyi visnyk Poltavskoho universytetu spozhyvchoi kooperatsii Ukrainy - Scientific Bulletin of the Poltava University of Consumer Cooperation of Ukraine. no. 2 (41), pp. 178–183.
