Health Insurance Between Sectoral Supervision and Consolidated Supervision

The quality of the services delivered on the health insurance market generates significant effects in the financial situation of the companies and of the individuals. Any perturbation in the system is of nature to contribute to the occurrence of the phenomena of economic and social crisis and, for this reason the normal functioning of the system is an essential landmark for insuring the stability of the economy and of the society, in their ensemble. The specific of the activity developed by the institutions operating on that market, the connections between the respective entities and the influences exerted on the economic and social area led to the idea that, like other segments on the financial market, the operations run on the health insurances market must be submitted by law to some specific regulations and, in the same time, to some supervising and control procedures, known as prudential supervision. Another argument in favour of the regulation and the supervision of the private health insurances is given by the fact that they make a unique combination, in its way, between the investors’ interests on this market and the necessity to the insure the social security.