ОЦІНКА ЕФЕКТИВНОСТІ СТРАХОВОГО СЕКТОРУ: МЕТОДОЛОГІЯ ТА ПІДХОДИ

Abstract

The article provides a comprehensive examination of the contemporary issues surrounding the evaluation of insurance efficiency within the economic framework. It explores various viewpoints and approaches proposed by scholars to assess the effectiveness of the insurance sector and its individual components. The authors delve into the significance of evaluating insurance efficiency beyond mere economic gains, emphasizing factors such as risk reduction, claims processing speed, customer satisfaction, and financial stability of insurers. Many researchers in the insurance industry believe that the evaluation of the efficiency of an insurance system should take into account both its social and economic efficiency, especially from the perspective of the state and the individual. However, the results of this study indicate that the efficiency of an insurance company should be based solely on its economic viability. This is supported by sound economic rationality, since the evaluation is based on the economic viability of the insured. In this context, a comprehensive evaluation using indicators of profitability, business activity, and financial stability is most effective. The article further elaborates on the economic and technical features of insurance products, emphasizing the importance of customer preference, service quality, and product design. In conclusion, it suggests approaches to product development and personalized offerings as potential solutions to enhance the efficiency and effectiveness of the insurance sector. Overall, the article provides a comprehensive overview of the current state of the insurance market and offers valuable insights into potential strategies for improvement.