THE ROLE OF MEDICAL INSURANCE IN THE FIELD OF HEALTH CARE AND LEGAL ISSUES OF ITS IMPLEMENTATION

Аннотация

INTRODUCTION the powers of state bodies in this regard. the All areas of law in the maintenance and provision spheres of law envisage the legal procedure of of human health provide for a certain level of maintaining and ensuring the health of citizens. At protection and protection measures, and the same time, ensuring the health of every citizen determine the implementation of such provision by determining the targeted and individually through various mechanisms. For example, by oriented measures of ensuring human health is of defining the rights and obligations of health care particular importance today. As such a measure, system organizations, introducing organizational the Institute of Medical Insurance creates a unique and legal mechanisms for providing qualified system of relations related to the provision of medical services to patients, establishing human health and ensures the patient's right to use responsibility for health injuries, and providing for https://www.theamericanjournals.com/index.php/tajpslc 16 THE USA JOURNALS THE AMERICAN JOURNAL OF APPLIED SCIENCES (ISSN – 2689-0992) VOLUME 06 ISSUE06 guaranteed medical services in treatment facilities. developing countries, health insurance is seen as a By taking out his health insurance, a citizen has the way of financial support for the population, and in right to demand that the insurance organization the conditions of high cost of medical services, this reimburses him for the costs of treatment in the method is used as a measure to support the low- future when his health deteriorates or he becomes income segment of the population. is evaluated [7]. ill. In addition, as an object of medical insurance, it In our opinion, health insurance is socially oriented may be provided that a citizen undergo a medical and differs from the usual forms of personal and examination within a certain period and with a property insurance. From the point of view of its referral from a doctor of a medical institution, as object, it is appropriate to interpret medical well as cover the costs of diagnostics and medical insurance as a type of personal insurance. Because, consultation[1]. In this situation, the provision of in medical insurance, as an insurance event, food medical services is considered an object of medical related to the maintenance of human health: a insurance, and the costs of providing medical complex of medical services (diagnosis, services to a citizen who has health insurance are consultation, treatment, medical procedures and reimbursed by the insurance organization. surgery) and related to health restoration includes Law of the Republic of Uzbekistan "On Insurance direct treatment-prophylactic procedures. In this Activities" in Article 4, insurance is divided into life case, unlike personal insurance, the insured person insurance and general insurance[2]. Medical does not receive the insurance money in the event insurance belongs to the field of life insurance. In of damage to his health or an event provided for in the Civil Code (hereinafter - CC), life insurance is the insurance contract, but has the right to receive defined as personal insurance. Damage to life or free treatment and a recovery course at an health is provided as the object of the personal appropriate medical institution. . The advantage of insurance contract. In addition, it is stipulated in medical insurance is not only the reimbursement of the first part of Article 921 of the CC that the treatment costs, but also the fact that the medical occurrence of another event (insurance event) institution, the rooms and treatment courses, and included in the contract with the agreement of the the types of treatment are determined in advance parties in the life of the insured person is also in the contract. In this case, the medical institution, considered an object of personal insurance. in addition to carrying out appropriate treatment procedures with the insured person in the event of Above, it can be seen from the correlation and an insured event, includes placing him in a hospital, analysis of the norms that there is no clarity in the taking appropriate medication and diagnostics, legislation regarding whether medical insurance conducting a full medical examination, qualified it belongs to one of the two types of insurance will be necessary to carry out complex actions such contracts - property or personal insurance, and as attracting specialists. what constitutes its object. Commenting on the content of the medical Legal literature does not have unanimous opinions insurance contract, P.Z.Ivanishin states the and understandings about the role of medical following: in medical insurance, the insurer has insurance. A group of scholars note that health contractual relations with the insured after insurance is often misconstrued as liability payment of the insurance premium by the insured. insurance and indemnity insurance [4]. Another undertakes the organization and financing of the g