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Legislatively are not defined the mechanism and procedures of their competitive selection.
The companies specialising on medical insurance, are engaged except
Obligatory and voluntary medical insurance. So, in Moscow it
By insurance kind it is captured about 500 thousand persons, in 95 % cases
Insurers are legal bodies, and over half is
The foreign companies.
2.2. A parity of obligatory and voluntary kinds of insurance
During the period with 1994 on 1997it. A share of the insurance award on the obligatory
To insurance in an award total sum by all kinds of insurance has grown twice - with
20,9 to 41,4 %. In 1998it. Certain change of the tendency, a share was outlined
Awards on obligatory insurance in the first half of the year has decreased to 37,3 %.
However financial crisis has predetermined considerable reduction again
Concluded contracts of insurance and, accordingly, decrease in receipts
Awards on voluntary insurance. Relative density of obligatory insurance
Has grown to 47 %.
Carried out during preparation of the project the analysis has shown that at the present
State of the economy volumes of the cumulative award by obligatory kinds
Insurance has reached saturation and can grow only at the expense of introduction of the new
Obligatory kinds of insurance. As a whole a parity voluntary and
Obligatory insurance it will be defined by various factors.
Kinds of obligatory insurance spent in modern conditions
Unite in four groups:
1) obligatory medical insurance at the expense of deductions of the enterprises and
The firms, giving a prevailing part of the insurance award (88,2 % from the sum of awards on
To obligatory kinds of insurance);
2) obligatory insurance at the expense of the federal budget of military men,
Employees of law-enforcement and customs bodies, workers tax and
Other services (all employees more than 20 federal ministries are insured
3) obligatory insurance of passengers on railway, air,
Water and motor transport (interregional routes) (2,4 %);
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