الخلاصة:
تهدف ﻫﺪﻩ ﺍﻟﻮﺭﻗﺔ ﺇلىﻣﻌﺮﻓﺔ ﻣﺪﻯ مساهمة المنتجات ﺍﻟﺘﺄﻣﻴﻨﻴﺔ ﺍلمقدمة ﻋﻦ ﻃﺮﻳﻖ ﺑﻄﺎﻗﺔ ﺍﻟﺸﻔﺎﺀ ﻟﻠﺼﻨﺪﻭﻕ ﺍﻟﻮﻃنيﻟﺘﺄﻣﻴﻨﺎﺕ
ﺍﻻﺟﺘﻤﺎﻋﻴﺔcnasفي تحﺴين ﺟﻮﺩﺓ ﺍلخﺪﻣﺎﺕ ﺍلمﻘﺪﻣﺔ ﻣﻦ ﻃﺮﻑ ﻫﺪﻩ ﺍلمﺆﺳﺴﺔ ﻣﻦ ﺧﻼﻝ ﺗﻄﻮﻳﺮ ﻧﻈﺎﻡ ﺍﻟﺪﻓﻊ ﺍﻻﻟﻜﺘﺮﻭني ، ﻭﺩﻟﻚ في
ﺷﺮﺡ ﺍلخﺪﻣﺎﺕ ﺍﻟتي ﺗﻘﺪﻣﻬﺎ ﻭﺍﻟتي ﺪﻑﺇلىتحﺴين ﺧﺪﻣﺎﺕ ﺍﻟﻀﻤﺎﻥ ﺍﻻﺟﺘﻤﺎﻋﻲ ﻭتخﻔﻴﻒ ﻃﺮﻕ ﺗﻘﺪيم ﻫﺪﻩ ﺍﻟﺘﻌﻮﻳﻀﺎﺕ ﻣﻦ ﺧﻼﻝ
ﺍﻟﻮﺳﺎﻃﺔ ﺍﻟتي ﺗﻘﻮﻡﺎ ﺑﻄﺎﻗﺔﺍﻟﺪﻓﻊ ﺍﻻﻟﻜﺘﺮﻭني ﺑﻦ ﺍلمﺆﻣﻦ ﺍﺟﺘﻤﺎﻋﻴﺎ ﻭﻛﺎﻟﺔﺍﻟﺘﺄﻣﻴﻨﺎﺕﺍﻻﺟﺘﻤﺎﻋﻴﺔ، ﺣﻴﺚ ﻟﻮﺣﻆ ﺍﻻﻋﺘﻤﺎﺩ ﻋﻠﻰ ﺑﻄﺎﻗﺔ
ﺍﻟﺪﻓﻊﺍﻻﻟﻜﺘﺮﻭﻧﻴﺔﺍﻟﺸﻔﺎﺀ ﺑﻨﺴﺒﺔ ﻛﺒيرﺓﻋﻠﻰ ﻣﻦ ﺍﻟﻄﺮﻳﻘﺔ ﺍﻟﺘﻘﻠﻴﺪﻳﺔ ، ﻭﻫﻲ ﺧﻄﻮﺓﺇلىﺍﻟﺘﺤﻮﻝ ﺍﻟﺮﻗﻤﻲ ﻟﻠﻤﺆﺳﺴﺎﺕ ﺍلجﺰﺍﺋﺮﻳﺔThis paper aims to know the extent to which the insurance products provided
through the Shifa card to the National Fund for Social Security (CNAS)
contribute to improving the quality of services provided by this institution
through the development of the electronic payment system, and this is in
explaining the services it provides, which aim to improve insurance services.
