Analýza postavení zdravotních pojišťoven ve zdravotním systému ČR

The object of the Bachelor's work is to analyze the present position of the health insurance companies in the health system of the Czech Republic. First of all I characterize the particular health service systems existing in the world in my work. Further I am concerned with the health service system in this country, with its development, financing and, especially, with the role of the health insurance companies in this system. A special attention is devoted by me to the health insurance which is the main income of the health insurance companies; and to its redistribution. I analyze problems of the public health insurance system as well as of the health insurance companies. In a further part I deal with the health insurance system in U.S.A. where the health insurance is voluntary and therefore it is set up on a commercial base, whereas the public general health insurance in CR is compulsory. I compare advantages and disadvantages of the health service systems in CR and U.S.A. and on base of this analysis I will prove that the Czech medical service is instable economically; that it comes to wasting as the patient has no choice to choose the care according to the quality and price; it comes to reduction of the availability of medical services; the patients have no possibility of paying extra money for a service of higher quality even if they have enough money for that. At the end on the basis of the analysis of functioning of both these systems I indicate which way the reform of the medical service in this country could proceed.