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Publications of Zavrazhskii Aleksandr Valer'evich
Finance and Management, 2019-1
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Zavrazhskii A.V. - The analysis of Russian and foreign experience of professional liability insurance for healthcare providers
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pp. 79-90
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DOI: 10.25136/2409-7802.2019.1.28923
Abstract: The goal of this work is the examination of practical experience of insurance use form protecting national and foreign healthcare providers from professional liability risks. The subject of this research is the types, methods and terms of professional liability insurance of healthcare providers in Russia and abroad. Despite the heightened risk of liability in the conditions of insufficient funding, the national clinics are reluctant to use insurance products for protecting their interests. At the same time, in the economically developed countries, purchasing insurance is one of the intrinsic attributes of healthcare activity; a direct role in this regard is played mutual insurance companies and specialized healthcare associations. In the course of this research, the author analyzes the main types of professional liability insurance – tort liability insurance and no-fault liability insurance. The article reviews the national legislative acts applicable to possibility of healthcare liability insurance, as well as determines a number of regulatory discrepancies and contradictions that impede proliferation of healthcare insurance coverage. The research results define the key merits and demerits of the use of models of commercial and mutual insurance for covering the indicated risks. The author’s special contribution consists in the analysis of foreign experience of healthcare liability insurance, considering statistical indicators, key actors, obstacles and development prospect of the Russian market of healthcare liability insurance.
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