Theoretical and Legal Characteristics of the Provision of Medical Services Within the Framework of Insurance

The current stage of healthcare development in Russia is characterized by the active integration of insurance mechanisms into the system of medical services. The existence of problems in the field of quality and accessibility of medical care, as well as the protection of the rights of patients and medical workers, underlines the need to assess the effectiveness of the current regulatory framework. Global trends, such as an increase in the proportion of people of retirement age, an increase in chronic diseases, as well as the impact of pandemics and technological innovations in medicine, entail changing needs for medical care and insurance. All these changes form the relevance of studying the issues of adaptation of the Russian healthcare system to new challenges, as well as the development of proposals to improve legal mechanisms in this area. The importance of the study is due to the social significance of medical services. High—quality medical care is one of the main factors in ensuring a high standard of living for the population, as well as an important aspect of social protection of citizens. The purpose of this study was a theoretical and legal study of the provision of medical services within the framework of insurance in the territory of the Russian Federation. The paper examines the features of legal regulation of the activities of public and private health insurance systems, describes the concept of public policy in the health insurance system. A study was also conducted on judicial practice in cases related to the provision of medical care within the framework of the state guarantees program and within the framework of the VMI. In addition, the problems of legal regulation of the medical insurance market in the territory of the Russian Federation have been identified. As a result of the study, proposals were made to improve the health insurance system in Russia. This system should take into account the interests of all participants and put them in the same position before the law, forcing legislators to be responsible for their decisions, among other things. As long as such a system does not exist on the territory of our state, private medical organizations will never behave like those that work in the system of state guarantees. It is necessary to create a system for regulating medical insurance that would have a clear and consistent set of principles, despite the format of medical care received by a citizen (within the framework of compulsory medical insurance or VMI). Keywords: medical insurance, compulsory medical insurance, VMI, legal liability of medical organizations