UK: В статті досліджено ринок страхових послуг в Україні, проведено фінансово-аналітичний огляд функціонування страхових компаній, страхових виплат та страхових премій. Для дослідження використовували системний аналіз, аналітичні, порівняльні та графічні методи. Проведено аналіз страхових виплат та премій з точки зору різних видів страхування, різних страхових компаній. Побудовано рейтинг страхових компаній за сумою страхових виплат та за сумою страхових премій. Зазначено, що в рейтингу ризикових видів страхувань лідируючі позиції займає КАСКО та добровільне медичне страхування. Вцілому ринок страхових послуг змінився з початком війни 2022 року. Попит на страхові послуги, особливо на медичне страхування та страхування життя, зріс через підвищену потребу в стабільності та захисті від несподіваних подій.
EN: The insurance market is a special sphere of monetary relations, where the object of purchase and sale is a specific service – insurance. The objective conditions for the existence of the insurance market are the public need for insurance services and the presence of insurance companies capable of satisfying such needs. The relevance of this study lies in the fact that factors of economic and political life are factors that influence the insurance market. Therefore, the main indicators and trends in the insurance market, the number and rating of the insurance companies, the amount of insurance premiums and payments are changing, which determines the relevance of the study and this direction. The study showed that the number of operating insurance companies decreased over the period. The share of life insurance companies in the total number of insurance companies prevails, the majority falls on the agent network. In the structure of gross premiums for risk insurance, transport and personal insurance continue to form more than 80% of premiums. It was determined that insurance payments are amounts of money that companies pay to insured persons who are entitled to this. An insurance premium is an amount of money paid by persons who conclude an insurance agreement, that is, it is a kind of payment for the risk that the insurance company assumes. The constructed rating of the insurance companies by the amount of insurance premiums and the amount of insurance payments showed that a powerful five companies were formed that are leaders in all indicators. The analysis showed that 24% is voluntary medical insurance and its growing trend is observed. The average level of gross payments for 2024 increased compared to previous years. Thus, the insurance market in Ukraine after the start of the war in 2022, when both external and internal conditions changed, is experiencing several important stages of development: an increase in demand for life and health insurance. The demand for insurance services has increased due to the increased need for stability and protection against unexpected events such as injuries or illnesses.
