CHARACTERISTICS OF HEALTH INSURANCE CONTRACTS

The problems of health care and its management are almost inseparable from the analysis of health care coverage, while comparable issues hardly ever arise in the analysis of life insurance. Perhaps, in one respect, the two types of coverage are similar: most demands for life and health insurance spring from individuals as isolated entities, not as groups - members of organizations. In other respects, the two types of coverage bear little resemblance to each other. The subject of this paper is health insurance, and the goal of the paper is to point out the importance of this type of insurance, socially speaking. The dramatic rise in the cost of providing health care that accompanied the shifting burden has placed the issues of health care and health insurance coverage at the forefront of organizations concerns.
Predmet ovog rada je zdravstveno osiguranje, a njegov cilj je da ukaže na društveni značaj te vrste osiguranja. Dramatičan porast troškova pružanja usluga zdravstvene zaštite, koji je pratio promenu tereta snošenja tih troškova, doprineo je da pitanja zdravstvene zaštite i zdravstvenog osiguranja postanu glavna tema zainteresovanosti osiguravajućih društava.

Key words: Health care, insurance, contract, health care provider, covered.