Issue №: 10 (38)
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.
FEATURES OF INSURANCE IN THE FIELD OF TOURISM
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.
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].
About 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
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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.
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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”.
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According to the decision of National Council of Television and Radio Broadcasting of Ukraine from 25.04.2024 No. 1337 the scientific journal «Economy, finances, management: topical issues of science and practical activity» has the ID of the Media R30-05171.
