ПРИНЦИПИ И ПРАКТИКИ В ЗДРАВНОТО И ПЕНСИОННО ОСИГУРЯВАНЕ

9
CONTENTS
PREFACE
13
LIST OF ABBREVIATIONS
17
LIST OF TABLES AND GRAPHS
18 1. THE ROLE OF ASSURANCE IN SOCIAL LIFE
(P. Salchev, L. Georgieva)
21 1.1 Global Trends and Global Health Situation
28 2. TERMINOLOGY AND LEGISLATIVE FRAMEWORK
(P. Sаlchev, L. Georgieva)
35 2.1 Systematic Approach and Analysis of Assurance
36 2.2 Evaluation Criteria for Assurance Systems
39 2.3 Politico-Economic Assurance Models
40 2.4 Similarities and Differences between Assurance and
Insurance
42 2.5 Legislative Framework
45 2.6 Еuropean Challenges and Applicable Legislation
(L. Georgieva, P. Salchev)
53 3. PRINCIPLES AND HUMAN RIGHTS IN ASSURANCE
(P. Salchev, L. Georgieva)
67 3.1 Principles in Mandatory Pension Assurance
67 3.1.1 Addiotional mandatory pension assurance - principles 70 3.1.2 Additional voluntary pension assurance - principles
70 3.2 Assurance Rights
71 4. MODELS IN HEALTH AND PENSION ASSURANCE
(P. Salchev, L. Georgieva)
75 4.1 Models of health assurance (L. Georgieva, P. Salchev)
76 4.1.1 Historical Overview
77 4.1.2 Social Health Assurance
78 4.1.3 Social Health Assurance
(L. Georgieva, P. Salchev, R. Chobanova)
80 4.1.4 Private Health Assurance
(L. Georgieva, P. Salchev, R. Chobanova)
81 4.1.5 Voluntary Health Assurance
83

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ПРИНЦИПИ И ПРАКТИКИ В ЗДРАВНОТО И ПЕНСИОННО ОСИГУРЯВАНЕ
4.1.6 The Two-pillar Health Assurance Model
84 4.1.7 Two- Pillar Model with the Option to Avoid the Mandatory System
85 4.1.8 Three-pillar Health Assurance Model
86 4.1.9 Complex models
89 4.2 Models in Pension Assurance (P. Salchev, L. Georgieva)
92 4.2.1 Historical Overview
93 4.2.2 Complex Pension Models
98 4.2.3 Types of pensions
101 5. PRACTICES IN THE APPLICATION OF HEALTH AND
PENSION ASSURANCE PLANS (L. Georgieva, P. Salchev)105
Аustria
107
Belgium
108
Great Britain
109
Greece
110
Germany
112
Denmark
113
Estonia
115
Ireland
116
Italy
117
Spain
118
Cyprus
119
Latvia
120
Lithuania
121
Luxemburg
122
Portugal
123
Poland
125
Romania
126
Slovenia
127
Slovakia
128
Hungary
129
The Netherlands
130
Finland
132
France
133
Czech Republic
136
Sweden
137
Israel
139
Russia
140


Singapore
140 6. DEVELOPMENT OF HEALTH AND PENSION ASSURANCE
IN BULGARIA (P. Salchev, L. Georgieva)
143 6.1 Socio-Demographic Trends
143 6.1.1 Pension Systems - overview
150 6.1.2 Voluntary Pension assurance Market
158 6.1.3 Life Insurance Market
160 6.2 Health Assurance
162 6.2.1 Mandatory Health Assurance
163 6.2.2 Voluntary Health Assurance – Market Analysis
165 6.3 Supervision
170 7. THE ROLE OF BUSINESS IN THE ASSURANCE SPHERE
(L. Georgieva, P. Salchev)
173 7.1 The Role of Business as the Consumer and Buyer of Assurance Services
174 7.2 The Role of Business as the Provider of Assurance Services
176
REFERENCES
179

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