Economy, finances, management: Topical issues of science and practical activity


Issue №: 10 (38)

Published: 2018.11.23

The magazine deals with the problems of the agricultural sector of the economy in the context of integration and processes of globalization. Attention is paid to the issues of development of digital economy, rural territories, technologies of enterprise management and organization of accounting, problems of legal support of economic processes, market tendencies of development of various branches of economy. Particular attention is paid to green tourism as a promising segment of the national economy.

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MARTSENYUK-ROZARYONOVА  Olena  -  Candidate of economic sciences, 

associate professor of department of finance and credit, Vinnytsia national agrarian 

University (21008, Vinnitsa, 3, Soniachna str., e-mail: ovm-r@i.ua).


Rest is one of the essential conditions of preservation and strengthening of health, 

maintenance of high working capacity and achievement of active longevity. Full rest is an 

integral part of a healthy lifestyle and is ensured by the rational organization  of leisure 

time, as well as special restoration measures that are included in the work of work. 

Restoration of work capacity helps with rest in resorts, in rest homes, etc. One of the 

common types of recreation is tourism.

In particular, the expression "insurance" is sometimes used in the sense of support 

in any case, guarantees of luck in anything, ensuring people's safety during hazardous 

work, at the performances of athletes, etc. The term "insurance" is also used in the meaning 

of the indemnity instrument. The insurance, which is most fully implemented in a market 

environment, is designed to meet the fundamental need - the need for security. The need to 

protect their lives and the lives of their families has genetic roots. It arose at the dawn of 

mankind. Insurance is a system of economic relations. In the process of travel insurance, 

the quality of these services is determined and the image of the entire tourism industry is 

formed. It should be noted that security for tourists is the most important, but  it depends 

primarily on quality insurance. So, insurance is a full-fledged component of any tourist trip, 

it is through insurance that the protection is provided both to tourists and their property.

All developed countries have long introduced insurance in the tourist market for the 

successful functioning of this industry and the state economy as a whole. The issue of 

insurance in tourism in the Ukrainian market is problematic, as it is characterized by low 

awareness and trust in the population, insufficient attention from the state authorities. 

Tourism insurance plays a significant role for buyers and sellers, as it ensures the normal 

functioning of the tourist market, contributes to the alignment of financial costs and the 

regulation of monetary transactions in the country.

The article considers the main risk factors in tourism and the main insurance 

incidents that occur with tourists. The main factors influencing the size of the tariff for 

insurance in tourism are substantiated. The insurance programs of travel insurance are 

described. It is proposed to apply new scientific intelligence that would determine current 

trends and direct insurance companies to develop new insurance products to meet the needs 

of tourists. Recommendations on speeding up the development of the insurance market of 

Ukraine are given.

Keywords: insurance, travel business, insurer, insurer, risk in tourism, travel relations, insurance policy, insurance premiums, insurance companies, travel agencies.

List of references

1.  Hrabchuk  O.M.  (2015).  Osoblyvosti  rozvytku  strakhuvannia  turyzmu  v  Ukraini 

[Features of the development of tourism insurance in Ukraine].  Investytsii: 24 praktyka  ta

dosvid - Investments: 24 practice and experience, 7, 1-5. [in Ukrainian].

2.  Zaitseva V.M. (2016). Shliakhy vdoskonalennia system strakhuvannia v turyzmi 

[Ways of improvement of insurance systems in tourism]. Hlobalni ta natsionalni problemy 

ekonomiky - Global and national problems of the economy, 10, 335-338. [in Ukrainian].

3. Zakon Ukrainy Pro strakhuvannia : vid 04.10 2001 roky № 2745-III (iz zminamy 

i dopovnenniamy) [Law of Ukraine On insurance N 2745-III  (2001, October 4) (with 

amendments and supplements) ]. [in Ukrainian].

4.  Zakon Ukrainy Pro turyzm: vid 15.09.1995 roky № N 325/95 (iz zminamy i 

dopovnenniamy) [Law of Ukraine On Tourism: N 325/95  (1995, September 15) (with 

amendments and supplements)]. [in Ukrainian].

5.  Ofitsiinyi sait  Lihgu strahovuh orhanizatsiy Ukrainu [Official site of the League 

of Insurance Organizations of Ukraine].  Retrieved from:  http://forinsurer.com.

[in Ukrainian].

6.  Okhrimenko O.O. (2008) Problemy formuvannia strakhovoho zakhystu 

pidpryiemnytskoi  diialnosti u sferi turyzmu v Ukraini [Problems of insurance insurance 

business activity in the field of tourism in Ukraine].  Zovnishnia torhivlia: pravo ta 

ekonomika - Foreign trade: law and economics, 4, 126-131. [in Ukrainian].

7.  Stremkovska  I.V. (2009) Ekonomichna sut strakhuvannia [Economic essence of 

insurance ].  Innovatsiina ekonomika  –  Innovative economy, 4.  –  Retrieved from: 

http://www.nbuv.gov.ua/ portal/Soc_Gum/inek/2009_4/ Annotation.pdf [in Ukrainian].

All journal issues

About journal

Topics of the journal:

051 Economics

071 Accounting and taxation

072 Finance, banking and insurance

073 Management

075 Marketing

076 Business, trade and exchange activities

241 Hotel, restaurant and catering 

281 Public administration


Key information:
ISSN (print): 2411-4413
DOI: 10.37128

The journal “Economy, finances, management: Topical issues of science and practice” is included in the "List of Scientific Professional Editions of Ukraine". 

The scientific edition is assigned the Category "Б" in the field of economics in specialties 051, 071, 072, 073, 075, 076, 241, 281

(Order of the Ministry of Education and Science of Ukraine No. 249, March 17, 2020).

The journal “Economy, finances, management: Topical issues of science and practice” has a Digital Object Identifier (DOI)

The journal “Economy, finances, management: Topical issues of science and practice” is indexed in such database as Index Copernicus Value (https://journals.indexcopernicus.com/search/form)


The editorial board of the journal is guided by the principles of scientific, objectivity, professionalism, informational support of the most significant innovative researches, observance of standards of publishing ethics.

The purpose of the journal "Economics, finances, management: Topical issues of science and practical activity» is the coverage of leading scientific ideas in the economic, financial and management activities of the sectors of the national economy and the involvement of representatives of the domestic and foreign scientific professional community.


Objectives of the journal:

  • publication of research findings on innovation in the economy, financial and management spheres, innovation of production processes;
  • expanding partnerships with international scientific publishing organizations;
  • enhancing the culture of reviewing and annotating published material;
  • adherence to editorial ethics.


Article publishing is a paid service. Cost for printing in professional publications in accordance with the Decree of the Cabinet of Ministers of Ukraine of August 27, 2010 No. 796 "On approval of the list of paid services that can be provided by state educational institutions, other institutions of the educational system belonging to state and communal ownership" and the order Rector of the Higher Education University Mazura VA dated March 14, 2018 No. 93 “On setting the cost of printing in professional editions of the University”.

The cost of printing one page in professional editions of the university is 60 UAH.

An additional copy of the magazine with the mailing list costs 250 UAH.

Recipient: Vinnytsia National Agrarian University MFO 820172 Current account No. 31256282102055 Code 00497236 Bank State Treasury Service of Ukraine, Kyiv. VAT payer code 004972302286. Registration number 100271744. Purpose of payment: for printing an article in the journal: ”Economy, finances, management: Topical issues of science and practical activity "

History of journal:

It was founded in 1997 under the name "Bulletin of the Vinnytsia State Agricultural Institute". In 2010-2014 he was published under the title “Collection of scientific works of Vinnitsa National Agrarian University”.

From 2015 ”Economy, finances, management: Topical issues of science and practical activity” (Certificate of State Registration of Mass Media No. 21154-10954 of PR as of December 31, 2014)

The journal is the successor to the edition ”Collection of Scientific Papers of Vinnytsia National Agrarian University. Series: Economic Sciences. "