20.500.12556/ReVIS-12873 Financiranje zdravstvenega zavarovanja Financing of Health Insurance Zdravstveno zavarovanje v Sloveniji je po zakonu razvrščeno na obvezno in prostovoljno zavarovanje. Obvezno zdravstveno zavarovanje je del socialnega zavarovanja in zajema praktično skoraj celotno prebivalstvo, izvaja ga Zavod za zdravstveno zavarovanje Slovenije. Pravice do zdravstvenih storitev, nadomestil in povračil so v obveznem zavarovanju skladno z načelom solidarnosti določene z zakonom, ki prav tako določa podlage za zavarovanje in prispevne obveznosti. Prostovoljno zdravstveno zavarovanje izvajajo zavarovalnice kot podvrsto premoženjskih zavarovanj. Prostovoljno dopolnilno zdravstveno zavarovanje je po posebnih pravilih o odprtosti in enotnem znesku premije za vse zavarovance ter izravnalni shemi med zavarovalnicami sofinanciralo doplačila za določene zdravstvene storitve v obveznem zavarovanju do konca 2023. V začetku leta 2024 je bilo prostovoljno dopolnilno zavarovanje odpravljeno in uveden nov obvezni zdravstveni prispevek v obveznem zavarovanju, iz katerega se sedaj v celoti financirajo vse pravice iz obveznega zavarovanja. Statistični podatki kažejo, da so prihodki in odhodki Zavoda za zdravstveno zavarovanje Slovenije od leta 1992 do 2024 realno naraščali zaradi postopne širitve pravic v obveznem zavarovanju, povečanega povpraševanja po zdravstvenih storitvah zaradi staranja in večje zdravstvene ozaveščenosti prebivalstva, zaradi epidemije Covid-19 in odprave dopolnilnega zdravstvenega zavarovanja konec leta 2023. Pri prostovoljnem zdravstvenem zavarovanju, ki ga po odpravi dopolnilnega zdravstvenega zavarovanja zavarovalnice v celoti izvajajo po komercialnih načelih, so v primerjavi z obveznim zavarovanjem kriti ožje definirani riziki, premija se zvišuje s starostjo, po določeni starosti pa zavarovanje ni več mogoče. Health insurance in Slovenia is classified by law into compulsory and voluntary insurance. Compulsory health insurance is part of social insurance and covers practically the entire population, and is implemented by the Health Insurance Institute of Slovenia. Rights to health services, benefits and reimbursements in compulsory insurance are determined by law in accordance with the principle of solidarity- The law also determines the bases for insurance and contribution obligations. Voluntary health insurance is implemented by insurance companies as a sub-type of non-life insurance. Voluntary supplementary health insurance, in accordance with special rules on openness, a single premium for all insured persons and an equalization scheme between insurance companies, co-financed additional payments for certain health services in compulsory insurance until the end of 2023. At the beginning of 2024, voluntary supplementary insurance was abolished and a new mandatory health contribution in compulsory insurance was introduced. Thus, all rights from compulsory insurance are now financed by contributions for compulsory insurance. Statistical data show that the revenues and expenses of the Health Insurance Institute of Slovenia increased in real terms from 1992 to 2024 due to the gradual expansion of rights in compulsory insurance, increased demand for health services due to the aging and greater health awareness of the population, the Covid-19 epidemic and the abolition of supplementary health insurance at the end of 2023. After the abolition of supplementary health insurance, voluntary health insurance is implemented entirely by insurance companies according to commercial principles, and its scope has shrunk significantly. obvezno zdravstveno zavarovanje prostovoljno zdravstveno zavarovanje financiranje zdravstvenega zavarovanja prispevki za zdravstveno zavarovanje Zavod za zdravstveno zavarovanje Slovenije. compulsory health insurance voluntary health insurance health insurance financing health insurance contributions Health Insurance Institute of Slovenia. true false false Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-12-25 16:20:38 2025-12-25 16:20:39 2026-02-25 13:09:53 0000-00-00 00:00:00 2025 0 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 14683 263813123 DIP_Necemer_Anja_2025.pdf DIP_Necemer_Anja_2025.pdf 1 13C4ABEA7391C72D64856792590C2526 cf0f1288c705e9c3145973f6e78f306f5c4941e654511935f22544677162237d 45f5bd75-e1a5-11f0-94a7-001a4af901a5 https://revis.openscience.si/Dokument.php?lang=slv&id=15162 Univerza v Novem mestu - Fakulteta za ekonomijo in informatiko 0 0 0