SPECIFICS OF INSURANCE ORGANIZATION AND MANAGEMENT: BEST PRACTICES AND PROBLEM DETERMINATION

A. A. Kusainova,
Lecturer, Ualikhanov Kokshetau State University,
76 Abay st., Kokshetau, 020000, Republic of Kazakhstan
e-mail: kusainova-76@bk.ru ORCID ID: https://orcid.org/0000-0003-0231-2174
I. P. Gerashchenko, Candidate of Economic Sciences, associate Professor, Professor of Omsk State Pedagogical University,
6 International st., Omsk, 644099, Russian Federation ORCID ID: https://orcid.org/0000-0002-6951-6801
e-mail: ip_gerashchenko@mail.ru

SPECIFICS OF INSURANCE ORGANIZATION AND MANAGEMENT: BEST PRACTICES AND PROBLEM DETERMINATION

Problem. Social protection of citizens is one of the key issues of the entire world community and its effective solution will leads to high living standards in society. One of the elements of social protection is social insurance and the choice of the right course of its development remains an unsolved problem not for the majority of developing cjuntries.

Goal. Identify the merits, as well as identify the situation of shortcomings in the organization and management of advanced models of social insurance. Propose a solution to optimize the social protection of citizens.

Methods and methodology. Empirical and comparative methods are used.

Results. The models of social insurance proposed by Beveridge and Bismarck were examined and analyzed using the “test-states” experience as well as the private-corporate and Soviet model of social pro- tection of citizens. The features of each model, preferential and negative sides are singled out. The role of participants in social insurance is indicated: the state, employers, citizens, financial institutions and others  in each model. The results of implementation of models in different countries are stated and the possible causes of shortcomings are analyzed.

Conclusions. Systematization of models of social insurance development is presented.

Keywords: social insurance, social protection, social problems, social security, social guarantees.

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