Administrative liability of insurance companies for violations in the field of health insurance
Abstract
The article is devoted to the study of the issue of administrative liability of insurance companies for violations in the field of health insurance. It is indicated that administrative liability of insurers in the field of health insurance is the establishment in a number of laws of Ukraine of a list of offences which may be committed in the course of provision of health insurance services, and also penalties for their commission. The conclusion is made that administrative liability of employees of insurance companies for violations in the field of health insurance means enshrining in the Code of Ukraine on Administrative Offences the list of administrative offences which may be committed by insurer’s employees when providing health insurance services to clients, and administrative penalties for their commission.
The article establishes that the list of measures of influence which the National Bank of Ukraine may apply to insurance companies is set out in the Laws of Ukraine “On Insurance”, “On the National Bank of Ukraine”, “On Financial Services and Financial Companies”. The emphasis is placed on the fact that violation of the terms of health insurance may be grounds for a temporary ban on entering into health insurance contracts and imposition of penalties. It is noted that violation of the terms and conditions of health insurance and violation of the rights of consumers of financial services may be the basis for the application of enforcement measures. The paper establishes that the Code of Ukraine on Administrative Offences defines the grounds and procedure for bringing to administrative liability employees of insurance companies who have violated the rights of consumers of financial services.
The following amendments to the current legislation of Ukraine are proposed to improve the grounds for administrative liability of insurance company employees for violations in the field of health insurance.
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