This article was originally published in the journal “Zarubezhnaya Meditsina i My” on 22 October 2024. The present version represents an author-archived re-publication intended to ensure open-access availability of the original research. The article was subsequently republished in the International Journal of Interdisciplinary Research, Volume 5, Issue 4 (2024), due to its interdisciplinary relevance to healthcare systems, insurance economics, and public policy research. The content of the article has not been substantively modified since its original publication and is deposited in Zenodo as part of the author’s academic record for scholarly reference and citation.
BORIS KARSAKOV (Tue,) studied this question.