The article focuses on the study of modern drug insurance programs and products in Russia, analyzing their development and prospects. The formation of a market economy in Russia in the 1990s was accompanied by the creation of a new legislative framework to regulate various activities, including insurance. Key legislative acts such as Chapter 48 of Part 2 of the Civil Code of the Russian Federation and Law No. 4015-1 «On the Organization of Insurance Business in the Russian Federation» laid the foundation for regulating insurance activities. The introduction of the mandatory health insurance (MHI) and voluntary health insurance (VHI) systems allowed citizens and organizations to receive additional medical services. Today, Russia has a state system for drug provision funded by MHI funds and various budget levels. The state aims to provide preferential categories of citizens with quality pharmaceutical assistance by regulating drug prices and covering the costs of their acquisition. For other citizens, there are commercial drug insurance programs that have developed alongside the VHI system. These programs offer the possibility of compensation for drug expenses, which is especially important in the context of rising pharmaceutical prices. The aim of the research is to analyze and evaluate modern drug insurance programs and products for various categories of citizens, as well as their position and prospects in the insurance services market. The study uses the method of in-depth interviews in the format of a «mystery shopper», as well as an analysis of key informational documents, VHI contracts, and the terms of drug insurance programs. The offerings of major insurance companies such as Sberbank Insurance LLC, Ingosstrakh PJSC, and others were examined. The research results show a variety of insurance product configurations, their main characteristics, and features. Particular attention is given to the digitalization of insurance services, which significantly speeds up the policy issuance and compensation payment process. The article also examines trends and prospects for the development of the drug insurance market in Russia, such as increasing public awareness, expanding the range of insurance products, developing partnerships with medical organizations, and strengthening state regulation. Ways to improve the accessibility of pharmaceutical assistance for various population groups are discussed, as well as potential directions for further development of the drug insurance market.

drug provision, drug insurance, voluntary health insurance, digital technologies in insurance, insurance products.