Availability Assessment of Insurance Services  on the Russian Financial Market

Elena Kalacheva; Irina Kalacheva

doi:10.21603/2500-3372-2025-10-1-170-180

VAK Russia 5.2.3 UDC 33

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AVAILABILITY ASSESSMENT OF INSURANCE SERVICES ON THE RUSSIAN FINANCIAL MARKET Availability Assessment of Insurance Services on the Russian Financial Market

АА Аа

Published in Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences · Volume 10, Issue 1 · Pages 170–180 · Rubric: Finance

DOI: https://doi.org/10.21603/2500-3372-2025-10-1-170-180 · EDN: ZBLSZC

Received: 04.11.2024 Accepted: 02.12.2024 Published: 28.03.2025

Authors

Elena Kalacheva

Irina Kalacheva

ORCID SPIN

Elena Kalacheva

Science rang: docent

Kemerovo State University docent · Department of Accounting, Taxation and Finance · Russian Federation · Kemerovo

Kemerovo State University Russian Federation

Kemerovo State University Kemerovo

Kemerovo State University docent · business and digital technologies of the Savings Bank · Russian Federation · Kemerovo

Kemerovo State University docent · Business and Digital Technologies Savings Bank · Kemerovo

Irina Kalacheva

Academic degree: candidate of economic sciences

Science rang: docent

Kemerovskiy gosudarstvennyy universitet docent · kafedra "Finansy i kredit" · Russian Federation · Кемерово

ORCID SPIN

ABSTRACT

Technological developments are transforming the sector of financial services. However, some financial services are still unavailable to consumers or are not provided to them in due quality. Insurance is a popular and important financial service. The problem of increasing the availability of insurance services is relevant both for insurance organizations and their clients. The authors attempted to determine possible directions for increasing the availability of insurance services. They assessed the availability of insurance services using the main indicators defined by the Central Bank of the Russian Federation, i.e., insurance market infrastructure, demand, quality, usefulness, etc. After that, they identified the current trends in financial availability on the insurance market. The availability of insurance for the population may be increased by a number of measures. Insurance companies should launch their mobile applications and expand the range of relevant insurance products. They should improve the interaction between all stakeholders of the insurance process, as well as increase insurance literacy and culture of Russians by training insurance agents.

KEYWORDS

financial accessibility, insurance services, availability of insurance services, insurance market, insurance market infrastructure, demand, quality, usefulness of insurance services

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GOST

Kalacheva E. A., Kalacheva I. V. Availability Assessment of Insurance Services on the Russian Financial Market // Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences. 2024. no. 1. pp. 170-180. DOI: https://doi.org/10.21603/2500-3372-2025-10-1-170-180. EDN: ZBLSZC. (Date of access 20.09.2026).

MLA

Elena Kalacheva, Kalacheva I. V.. "Availability Assessment of Insurance Services on the Russian Financial Market." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 10.1 (2024): 170-180. DOI: https://doi.org/10.21603/2500-3372-2025-10-1-170-180. EDN: ZBLSZC.

APA

Kalacheva E. A., Kalacheva I. V. (2024). Availability Assessment of Insurance Services on the Russian Financial Market. Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences, 10(1), 170-180. https://doi.org/10.21603/2500-3372-2025-10-1-170-180 EDN: ZBLSZC.

Chicago

Elena Kalacheva, Kalacheva I. V.. "Availability Assessment of Insurance Services on the Russian Financial Market." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 10, no. 1 (2024): 170-180. https://doi.org/10.21603/2500-3372-2025-10-1-170-180. EDN: ZBLSZC.

WIKI

{{cite journal | author = Kalacheva E. A., Kalacheva I. V. | title = Availability Assessment of Insurance Services on the Russian Financial Market | journal = Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences | year = 2024 | volume = 10 | issue = 1 | pages = 170-180 | doi = 10.21603/2500-3372-2025-10-1-170-180 }} EDN: ZBLSZC

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AVAILABILITY ASSESSMENT OF INSURANCE SERVICES ON THE RUSSIAN FINANCIAL MARKET Availability Assessment of Insurance Services on the Russian Financial Market

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