Myhybije Zallqi Zhara, Anita Cucovi

(Univerzitety “Haxhi Zeka” Pejë, UÇK (KLA), 30000 Pejë Kosovo)

 

 

Abstract: In this paper I want to elaborate in detail, historical facts and changes that were important in the creation of public healthcare insurance in Kosovo, critical obstacles that have contributed to the failure to establish an adequate legal infrastructure in the field of public healthcare insurance, aiming at the same time to present them under the light of a professional analysis in order to understand how the healthcare insurance scheme has evolved in Kosovo, and directions that could be considered important for moving forward in the future. The application of different healthcare insurance schemes in different countries taken under consideration in this paper indicates that there is enough flexibility in the selection and application of healthcare insurance in a given country, under given geographical and market conditions, particular mentality, at a given time and certain history. However, what all countries have in common and which remains quite consolidated, is the fact that healthcare insurance schemes, through the development of performance funding method, performed either in private or public contracting have played a very important role everywhere in the world in terms of not only the development of qualitative healthcare systems but also in alleviating poverty and protecting vulnerable groups by providing them with a standardised quality service. The importance of healthcare insurances in the region and beyond and their lack in Kosovo demonstrates the difficulties faced by the citizens of Kosovo. In this regard it should be noted that a healthcare insurance system that would provide a minimum care for the citizens of Kosovo, has been lacking since 1999 onwards.

 

Key words: healthcare insurance; law on healthcare insurance; insurance fund; premium

 

JEL codes: A3, B4, D6, F1, F4, G2 (22), H1, I1 (13), J6(65), M1, O2, P1, Q5