Starting with an examination of the relationship between the right to health and the insurance market, the thesis focuses on the analysis of what is referred to as health insurance, a category that includes insurance against accidents and/or illnesses, insurance against the risk of non-self-sufficiency and other long-term health coverage, as well as insurance for medical expenses. Having identified the characteristic features of the above-mentioned forms of insurance, the study focuses on their place in the insurance system, with the primary purpose of identifying the applicable regulations, and considering the possibility of a different classification from the one established by prevailing case law. This is done without neglecting the significant interaction between such coverage and the civil liability and social security systems. The following discussion focuses on the social function of health insurance, especially in today’s context of the crisis of the welfare state and the ongoing transition towards sustainability. In this latter perspective, it highlights how the health insurance market can be more inclusive for the user, both on a subjective level, by expanding the pool of beneficiaries of health insurance offerings, and on an objective level, by assessing the risks actually covered by policies currently available on the market and evaluating the possibility of extending them.
Muovendo dall’esame delle relazioni tra diritto alla salute e mercato assicurativo, la tesi si incentra sull’analisi delle c.dd. assicurazioni della salute, categoria nella quale vengono ricondotte le assicurazioni contro gli infortuni e/o le malattie, l’assicurazione per il rischio di non autosufficienza ed altre coperture sanitarie di lunga durata, nonché l’assicurazione di spese mediche. Individuati i tratti caratteristici delle suddette figure, l’indagine si sofferma sulla collocazione delle stesse nella sistematica assicurativa, al preminente scopo di individuarne la disciplina applicabile, prefigurando la possibilità di addivenire ad un inquadramento delle medesime differente rispetto a quello prospettato dalla giurisprudenza dominante; ciò, peraltro, senza trascurare le significative interferenze di siffatte coperture con il sistema della responsabilità civile e della sicurezza sociale. La trattazione successiva è dedicata alla funzione sociale delle assicurazioni della salute, soprattutto nell’odierno contesto di crisi dello Stato sociale e nell’ambito della transizione sostenibile in atto. In quest’ultima prospettiva, si pone in luce come il mercato assicurativo della salute possa essere più inclusivo per l’utente, tanto sul piano soggettivo, tramite un ampliamento della platea dei destinatari dell’offerta assicurativa sanitaria, quanto sul piano oggettivo, verificando il rischio effettivamente coperto nelle polizze attualmente diffuse sul mercato e valutando l’opportunità di una sua estensione.
Le assicurazioni della salute: inquadramento sistematico e funzione sociale
PES, FEDERICA
2025
Abstract
Starting with an examination of the relationship between the right to health and the insurance market, the thesis focuses on the analysis of what is referred to as health insurance, a category that includes insurance against accidents and/or illnesses, insurance against the risk of non-self-sufficiency and other long-term health coverage, as well as insurance for medical expenses. Having identified the characteristic features of the above-mentioned forms of insurance, the study focuses on their place in the insurance system, with the primary purpose of identifying the applicable regulations, and considering the possibility of a different classification from the one established by prevailing case law. This is done without neglecting the significant interaction between such coverage and the civil liability and social security systems. The following discussion focuses on the social function of health insurance, especially in today’s context of the crisis of the welfare state and the ongoing transition towards sustainability. In this latter perspective, it highlights how the health insurance market can be more inclusive for the user, both on a subjective level, by expanding the pool of beneficiaries of health insurance offerings, and on an objective level, by assessing the risks actually covered by policies currently available on the market and evaluating the possibility of extending them.File | Dimensione | Formato | |
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https://hdl.handle.net/20.500.14242/202908
URN:NBN:IT:UNIVPM-202908