Kovačević, Master of Economics Marija

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Rođena je 1994. godine u Beogradu. Osnovne studije završila je 2017. na Univerzitetu odbrane – Vojna akademija, na smeru Javne finansije, s prosečnom ocenom 9,67. Kao treća u rangu kadeta Vojne akademije odlikovana je oficirskom sabljom od strane predsednika Republike Srbije.
Master studije završila je 2019. godine na Vojnoj akademiji – smer Јavne finansije, а 2020. godine upisala se na doktorske studije na Ekonomskom fakultetu Beogradskog univerziteta.
Nosilac je stipendije Dositeja 2016–2017. godine, koju dodeljuje Fond za mlade talente.
Objavila je veći broj naučnih radova u domaćim časopisima.
Zaposlena je kao načelnik finansijske službe u Vojsci Srbije od 2017. godine.

UDK: (497.111):368.04:361.1

ARTICLES

FACTORS AFFECTING DEVELOPMENT OF VOLUNTARY HEALTH INSURANCE IN THE REPUBLIC OF SERBIA

Voluntary health insurance enables a higher level of healthcare services for users and provision of healthcare services not included in the compulsory health insurance system. One of the main advantages of further development and growth of voluntary health insurance in the Republic of Serbia is a significant reduction of expenses of citizens in the entire healthcare system. A key argument in favour of voluntary health insurance is that, in the context of limited public resources for healthcare, it can advance healthcare policy goals by easing fiscal pressure on the healthcare sector. The situation and trends in the real sector influence development of the insurance sector. In order to improve voluntary health insurance, it is necessary to establish cooperation within compulsory and voluntary health insurance, work on connecting state and private healthcare institutions, provide better promotion of services and influence the increase in health literacy of citizens. Better connection of private and public healthcare institutions, compulsory and voluntary health insurance, better promotion of service packages, better information provided to citizens about this type of health insurance, as well as increasing the standard of living, influence development of the basic factors of voluntary health insurance. Key words: voluntary health insurance, health protection of citizens, healthcare costs, Herfindahl-Hirschman index. JEL classification: G22, I13.