Economic and Managerial Approach of Health Insurances.docVIP

ACTA UNIVERSITATIS DANUBIUS Nr. 1/2005 ECONOMIC AND MANAGERIAL APPROACH OF HEALTH INSURANCES Professor Georgeta DRAGOMIR, PhD ?Danubius” University from Galati Marinela BOBOC ?Danubius” University from Galati Abstract: The paper represents an analysis in the domain of the social insurances for health care. It emphasizes the necessity and the opportunity of creating in Romania a medical service market based on the competing system. In Romania, the social insurances for health care are at their very beginning. The development of the domain of the private insurances for health care is prevented even by its legislation, due to the lack of a normative act that may regulate the management of the private insurances for health care. The establishment of the legislation related to the optional insurances for health care might lead to some activity norms for the companies which carry out optional insurances for health care. The change of the legislation is made in order to create normative and financial opportunities for the development of the optional medical insurances. This change, as part of the social protection of people, will positively influence the development of the medical insurance system. The extension of the segment of the optional insurances into the medical insurance segment increases the health protection budget with the value of the financial sources which do not belong to the budgetary funds. Keywords: Health social insurances, subsidiary principle, medical system, social security system Jel Classification: F - International Economics, F2 - International Factor Movements and International Business, F20 - General 158  ?CONOMICA Introduction The social insurance system became in time very complex. It is the most important economical and social system for protecting the health of people and it can say that these processes were transf