This article examines the role of health insurance systems in ensuring universal healthcare access within the European Union. Although EU Member States have achieved high levels of population coverage through diverse health insurance models, significant disparities in access to healthcare services persist. The study adopts a comparative legal approach, analyzing Bismarckian, Beveridgean, and mixed systems in selected Member States, alongside a doctrinal analysis of relevant EU legal frameworks, particularly Directive 2011/24/EU on patients’ rights in cross-border healthcare. The research highlights the distinction between formal (de jure) insurance coverage and effective (de facto) access to healthcare services. It argues that the existence of health insurance does not automatically guarantee equitable access, as structural inequalities, financial barriers such as co-payments, regional disparities, and system fragmentation continue to limit healthcare utilization. Particular attention is given to vulnerable groups—including migrants, unemployed individuals, the elderly, and rural populations—who face disproportionate challenges in accessing healthcare services. The findings support the hypothesis that, while health insurance systems in the European Union formally promote universal healthcare, their effectiveness is constrained by legal fragmentation and socio-economic inequalities. The article concludes by proposing legal and policy reforms aimed at enhancing harmonization, strengthening the role of the European Union, promoting digital health solutions, and ensuring equity-based access to healthcare services.
| Mualliflar | Rayimova, Munisa, Раимова, Муниса, Rayimova, Munisa |
|---|---|
| Jurnal | Жамият ва инновациялар / Общество и инновации / Society and innovations |
| Nashriyot | In Science МЧЖ |
| ISSN | 2181-1415 |
| Nashr sanasi | 2026-03-25 |
| Jild | 7 |
| Son | 3/S |
| Betlar | 302-311 |
| Til | Ingliz |
| DOI | 10.47689/2181-1415-vol7-iss3/s-pp302-311 |
| Indeksga qo‘shilgan | 2026-08-26 |
DOI: 10.47689/2181-1415-vol7-iss3/s-pp302-311 · Maqolaning asl sahifasi
Медицинское страхование, всеобщий охват услугами здравоохранения, право Европейского союза, доступ к медицинской помощи, равенство, трансграничное медицинское обслуживание, политика в области здравоохранения, уязвимые группы, Health insurance, Universal healthcare, European Union law, Access to healthcare, Equity, Cross-border healthcare, Health policy, Vulnerable groups, Tibbiy sug‘urta, Umumjahon sog‘liqni saqlash, Yevropa Ittifoqi huquqi, Tibbiy xizmatdan foydalanish, Adolatlilik, Transchegaraviy sog‘liqni saqlash, Sog‘liqni saqlash siyosati, Aholining zaif guruhlari
| APA | Rayimova, Munisa, Раимова, Муниса, & Rayimova, Munisa (2026). The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union. Жамият ва инновациялар / Общество и инновации / Society and innovations, 7(3/S), 302-311. https://doi.org/10.47689/2181-1415-vol7-iss3/s-pp302-311 |
|---|---|
| GOST (OAK) | Rayimova, Munisa, Раимова, Муниса, Rayimova, Munisa The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union // Жамият ва инновациялар / Общество и инновации / Society and innovations. – 2026. – T. 7, № 3/S. – P. 302-311. – DOI: 10.47689/2181-1415-vol7-iss3/s-pp302-311. |
| MLA | Rayimova, Munisa, Раимова, Муниса, and Rayimova, Munisa. “The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union.” Жамият ва инновациялар / Общество и инновации / Society and innovations, 7(3/S), 302-311, 2026. https://doi.org/10.47689/2181-1415-vol7-iss3/s-pp302-311 |
| Chicago | Rayimova, Munisa, Раимова, Муниса, and Rayimova, Munisa. “The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union.” Жамият ва инновациялар / Общество и инновации / Society and innovations, 7(3/S), 302-311 (2026). https://doi.org/10.47689/2181-1415-vol7-iss3/s-pp302-311 |
| Harvard | Rayimova, Munisa, Раимова, Муниса, and Rayimova, Munisa (2026) ‘The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union’, Жамият ва инновациялар / Общество и инновации / Society and innovations, 7(3/S), 302-311. https://doi.org/10.47689/2181-1415-vol7-iss3/s-pp302-311 |
| BibTeX | @article{rayimovamunisa2026,
title = {The Role of Health Insurance in Ensuring Universal Healthcare Access in the European Union},
author = {Rayimova, Munisa and Раимова, Муниса and Rayimova, Munisa},
journal = {Жамият ва инновациялар / Общество и инновации / Society and innovations},
year = {2026},
volume = {7},
number = {3/S},
pages = {302-311},
doi = {10.47689/2181-1415-vol7-iss3/s-pp302-311},
url = {https://doi.org/10.47689/2181-1415-vol7-iss3/s-pp302-311}
} |
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