Life and health insurance as a factor in increasing social well‐being of persons with disabilities in Russian society

The article considers the problems of life and health insurance of disabled people and persons with disabilities as a factor in increasing their social well‐being in the coordinates of development of modern Russian society. Life and health insurance of disabled people and persons with disabilities from accidents provides financial support from unforeseen situations, protects property, liability, life, health and other benefits. The main features of life and health insurance are established in the Civil Code of the Russian Federation and the Federal Law "On the organization of insurance business in the Russian Federation". Aim. To develop an approach to assessing life and health insurance of disabled people and persons with disabilities as an important factor in increasing social well‐being in Russian economic realities. Methods. Critical and constructive analysis of research in the field of social insurance, social well‐being of persons with disabilities and its Russian specifics; synthesis of existing approaches and generalization of the idea of life and health insurance development as a factor in increasing social well‐being in Russian society. Results. The authors have proposed an approach to the study of social insurance, in particular, life and health insurance, in the context of the transition to neo‐industrial development, characterized by taking into account broad public pressure in favor of social legislation and reforms at the national level, pursuing the goal of developing "well‐being programs" in the business environment, "pushed" by the state to form corporate social protection systems, along with the development of social legislation. The authors propose as well the approach to taking into account the digital realities of neo‐industrial development when improving the social insurance system for persons with disabilities in the context of increasing their social well‐being. Conclusions. The results of the formation of an approach to the analysis of the social insurance system for persons with disabilities and persons with disabilities made it possible to identify the following components of its transformation into a factor in increasing social well‐being in the Russian economy: improving social legislation and expanding the participation of corporations in the social protection of the most vulnerable groups of the population, promoting the expansion of consumption of persons with disabilities and changing its structure. In turn, when improving social policy, it is important to take into account the prospects of non‐industrial development and the diffusion of technologies of the Fourth Industrial Revolution (such as artificial intelligence and big data analytics).