INTERACTION OF THE INSURANCE ORGANIZATION WITH THE EXTERNAL ENVIRONMENT IN PERSONAL INSURANCE

Abstract

Over the past 30 years, personal insurance has been actively developing both in the world and in the Russian Federation. In particular, the development of voluntary medical insurance became a factor in the development of personal insurance, which in turn gained popularity due to the development of a market economy at the end of the XX century – the beginning of the XXI century. The rapid development of medical insurance as a way of financing healthcare has allowed the generation of many different insurance products. The article highlights the features in the segmentation of policyholders in the development of an insurance product, as well as the features of underwriting of insured persons when accepting them for insurance. The study focuses on business processes in voluntary health insurance, as they are more complex and hierarchical in contrast to other types of personal insurance. This is due to the fact that compensation is not carried out in cash, but in the form of medical services. At the same time, services are provided by the third party in the relationship – a medical and preventive institution.