scholarly journals Different Countries, Different Needs: The Role of Private Health Insurance in Developing Countries

2007 ◽  
Vol 32 (3) ◽  
pp. 497-534 ◽  
Author(s):  
Denis Drechsler ◽  
Johannes Jütting
Keyword(s):  
Developing Countries ◽  
Health Insurance ◽  
Private Health Insurance

scholarly journals PHP178 - ROLE OF SUPPLEMENTARY AND COMPLEMENTARY PRIVATE HEALTH INSURANCE IN SELECTED COUNTRIES

2018 ◽  
Vol 21 ◽  
pp. S180
Author(s):  
T. Almasi ◽  
A.N. Fasseeh ◽  
B. Elezbawy ◽  
M. George ◽  
E. Abouelmaged ◽  
...  
Keyword(s):  
Health Insurance ◽  
Private Health Insurance

scholarly journals Some demographic issues affecting private health insurance

2004 ◽  
Vol 27 (1) ◽  
pp. 16
Author(s):  
Brian Hanning
Keyword(s):  
Health Insurance ◽  
Demographic Change ◽  
Private Health Insurance ◽  
Health Benefit ◽  
Retention Rates ◽  
Factors Affecting ◽  
Age Cohort

There will be significant changes in the demography of persons with Private Health Insurance (PHI). Two methods ofprojecting PHI coverage are discussed in this paper. The first assumes the only factors affecting PHI coverage aredemographic change and mortality, and facilitates comparisons between actual and projected PHI coverage.The second projects the percentage of the population insured in each five year age cohort, and makes allowance forchanges in PHI coverage due to all factors. Demographic change will increase Registered Health Benefit Organization(RHBO) premiums by 1.7% per annum. The role of these projections in analysing the effect of future premiumincreases on PHI retention rates is also discussed.

scholarly journals Reflections on the role of less-than-comprehensive (exclusionary) private health insurance hospital products in the Australian healthcare system

2012 ◽  
Vol 36 (3) ◽  
pp. 273 ◽  
Author(s):  
Peter E. Thomas
Keyword(s):  
Health Insurance ◽  
Social Insurance ◽  
Private Health Insurance ◽  
Insurance Scheme ◽  
Policy Issues ◽  
The Public ◽  
Insurance Policies ◽  
Exclusionary Policies ◽  
First Time

The number of people in Australia that are currently covered by a hospital private health insurance product continues to rise every quarter. In September 2010, for the first time since the introduction of the public universal social insurance scheme, Medicare, more than 10 million persons in Australia are covered by private health insurance. Although the number of persons covered by private health insurance continues to grow, the quality and level of cover that members are holding is changing significantly. In an effort to limit premium rises and to reduce the benefits paid for treatment, private health insurers have introduced, and moved a large number of existing members to, less-than-comprehensive private health insurance policies. These policies, known as ‘exclusionary’ policies, are changing the dynamics of private health insurance in Australia. After examining the emergence and prevalence of these products, this commentary gives three different examples to illustrate how such products are changing the nature of private health insurance in Australia and are now set to create a series of policy issues that will require future attention.

scholarly journals Willingness to pay for private health insurance among workers with mandatory social health insurance in Mongolia

2021 ◽  
Vol 20 (1) ◽  
Author(s):  
Ochirbat Batbold ◽  
Christy Pu
Keyword(s):  
Developing Countries ◽  
Health Insurance ◽  
Willingness To Pay ◽  
Health Expenditure ◽  
Private Health Insurance ◽  
Contingent Valuation Method ◽  
Social Health Insurance ◽  
Social Health ◽  
Primary Data ◽  
Working Population

Abstract Background High out-of-pocket health expenditure is a common problem in developing countries. The employed population, rather than the general population, can be considered the main contributor to healthcare financing in many developing countries. We investigated the feasibility of a parallel private health insurance package for the working population in Ulaanbaatar as a means toward universal health coverage in Mongolia. Methods This cross-sectional study used a purposive sampling method to collect primary data from workers in public and primary sectors in Ulaanbaatar. Willingness to pay (WTP) was evaluated using a contingent valuation method and a double-bounded dichotomous choice elicitation questionnaire. A final sample of 1657 workers was analyzed. Perceptions of current social health insurance were evaluated. To analyze WTP, we performed a 2-part model and computed the full marginal effects using both intensive and extensive margins. Disparities in WTP stratified by industry and gender were analyzed. Results Only < 40% of the participants were satisfied with the current mandatory social health insurance in Mongolia. Low quality of service was a major source of dissatisfaction. The predicted WTP for the parallel private health insurance for men and women was Mongolian Tugrik (₮)16,369 (p < 0.001) and ₮16,661 (p < 0.001), respectively, accounting for approximately 2.4% of the median or 1.7% of the average salary in the country. The highest predicted WTP was found for workers from the education industry (₮22,675, SE = 3346). Income and past or current medical expenditures were significantly associated with WTP. Conclusion To reduce out-of-pocket health expenditure among the working population in Ulaanbaatar, Mongolia, supplementary parallel health insurance is feasible given the predicted WTP. However, given high variations among different industries and sectors, different incentives may be required for participation.

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