The prospects for the development of voluntary health insurance in Kazakhstan within the framework of the mandatory social health insurance system

Abstract

Objective – to analyze the current state of the voluntary health insurance market in the Republic of Kazakhstan and to identify prospects for its development within the framework of the mandatory social health insurance (MSHI) system. Methods – the study employs dialectical and abstract-logical methods, comparative analysis, as well as qualitative and quantitative data analysis techniques. The empirical base includes the analysis of legal and regulatory acts, academic publications, international experience, and official statistical data in the fields of healthcare and insurance. Results – the key findings of the study include the development and substantiation of potential strategic directions for the advancement of voluntary health insurance in the Republic of Kazakhstan, aimed at improving access to and quality of healthcare services and reducing the level of out-of-pocket payments by the population. The findings provide an analytical foundation for the further development of the voluntary health insurance market under the mandatory social health insurance system and may be considered an additional financial mechanism to enhance the sustainability of the healthcare system.
Conclusions – the necessity of developing voluntary health insurance as a supplementary financial mechanism within the MSHI system is substantiated; the implementation of the proposed measures will contribute to improved accessibility and quality of healthcare services and reduce the burden on public financing sources.