scholarly journals Household expenditure on life and health insurance

2021 ◽  
Vol 35 ◽  
pp. 305-317
Author(s):  
Aleksandra Wicka
Keyword(s):  
Health Insurance ◽  
Life Insurance ◽  
Waiting Times ◽  
Household Expenditure ◽  
Healthcare Facilities ◽  
Goods And Services ◽  
Public Facilities ◽  
White Collar Workers ◽  
Expenditure Structure

The increasing wealth in society is accompanied by the growing demand for life and health insurance. In recent years, there has been a rising interest in insurance products offering consumers access to private healthcare facilities, which ensure shorter waiting times for an appointment with a specialist than in public facilities, as well as quick diagnosis and high quality of services. The aim of the study was to determine the level of health and life insurance expenditure in different household types. Their position in the overall household expenditure structure and in the expenditure on consumer goods and services has also been determined. In 2015–2019 the number of consumers purchasing health policies, both individual and institutional, has more than doubled and their spending on health insurance was 84% higher in 2019 than in 2015. The largest amount for the purchase of life and health insurance was allocated in the households consisting of white-collar workers (more than 131 PLN per person yearly), while the lowest in farmer households (more than 30 PLN per person yearly).

scholarly journals Consumers’ expenditure patterns and shopping preferences in underdeveloped urban areas: The critical case of Tshwane

2012 ◽  
Vol 10 (1) ◽  
pp. 455-465
Author(s):  
Michael Colin Cant ◽  
Catherine Mpolokeng Sephapo
Keyword(s):  
Household Income ◽  
Urban Areas ◽  
Past Research ◽  
Household Expenditure ◽  
Sample Population ◽  
Middle Income ◽  
Expenditure Patterns ◽  
Goods And Services ◽  
Spending Patterns

This paper investigates the household expenditure patterns and shopping preferences of consumers residing in underdeveloped blackurban areas in the Tshwane area. Black households are already by far the largest group in the middle-income (LSM 5-8) market, where their numbers continue to grow steadily (Chase, Legoete& van Wamelen, 2010:2). Past research provides oddments of general spending patterns in South Africa among the population at large; however, this study focuses specifically on the area of Tshwane. Although the sample size was not representative of the entire population, the results provide a picture of what and how black consumers residing in this area spend their household income. A quantitative approach was used for this study where a survey questionnaire was used as a method for collecting data. The results showed that although the income of the sample population was not high, basic needs were fulfilled and the concept of keeping costs low did not come at the expense of the quality of goods and services.

QUALITY MANAGEMENT PRINCIPLES OF CLINICAL AND LABORATORY ACTIVITIES

2018 ◽  
Vol 28 (2) ◽  
pp. 689-693
Author(s):  
Nikola Sabev
Keyword(s):  
Evaluation System ◽  
Quality Of Healthcare ◽  
Laboratory Analysis ◽  
Medical Services ◽  
Administrative Authority ◽  
Specific Level ◽  
Goods And Services ◽  
Laboratory Activities ◽  
Analytical Accuracy

Providing a specific level of healthcare quality is an important and a complex issue, determined by the extent of influence of number of interrelated and predetermined factors that act at different stages throughout the continuum of healthcare activities. A final healthcare product is a complex conglomerate of goods and services being heterogeneous with a time-varying result and a pronounced individuality. Thus, healthcare managers are required to put its supporting and continuous upgrading at the core of their efforts, which in turn will result in cost reduction, good collaboration between individual professionals, improved financial performance and, ultimately, patients will be optimally serviced and their needs and expectations will be satisfied.Indicators to measure quality of medical services give an idea of their characteristics, conditions and requirements for implementation. In this respect, quality assurance in clinical laboratories is an important process involving a complex system of planned actions at all stages of laboratory analysis in order to achieve the most accurate results with the aim of achieving the most accurate result, of monitoring the effect of the treatment and prognosis of the disease in question. The high quality of laboratory medical services helps modern clinicians in their practical activities and is a guarantor of achieving an adequate healthcare outcome. The ‘Quality in Laboratory Medicine’ concept evolves over time, focusing not only on analytical accuracy but also on a broader and more comprehensive basis that takes into account all the steps of clinical and laboratory analysis, providing valuable information in the process of making clinical decisions that are subordinated entirely to the cares of the patient.All healthcare professionals under the administrative authority of the medical institution, that should guarantee the necessary resources for this process, should participate in providing and improving the quality of services. It is necessary to cover the entire organizational structure, by paying attention to the optimization of the relations between staff and patients. Healthcare managers should provide permanent monitoring and a process evaluation system at each stage, allowing options for choosing alternatives for a solution and precise selectivity, aimed at improving the quality of healthcare, in particular, clinical and laboratory activities and services.

scholarly journals The Efficiency of Cooperation between the Participants in the Supply Chain in the Tourism-Related Branch of Industry in Relation to Client Satisfaction

2019 ◽  
Vol 11 (17) ◽  
pp. 4716 ◽  
Author(s):  
Katarzyna Kozicka ◽  
Sebastian Kot ◽  
I Gede Riana
Keyword(s):  
Supply Chain ◽  
Consumer Satisfaction ◽  
Client Satisfaction ◽  
Related Services ◽  
Specific Product ◽  
Goods And Services ◽  
Statistical Relevance ◽  
Tourism Supply Chain ◽  
Theoretical Considerations

Managing a tourism supply chain is predominantly focused on managing a tourism-specific product that can be perceived as all kinds of goods and services utilized by tourists during their trips. The predominant goal of this article is to empirically identify the level of engagement of entities operating in the tourism-oriented branch of industry concerning the satisfaction of end-customers with the offered tourism-related services and products. Within the scope of this study, the statistical relevance of elements of active cooperation within a tourism-specific supply chain was analyzed. Empirical examinations covered the assessment of the cooperation within the framework of the tourism-oriented supply chain and its impact on consumer satisfaction. A research questionnaire was utilized to meet examination-specific goals. Theoretical considerations and the analysis of branches of industry in relation to the available statistical data showed that tourist-oriented supply chain covers various entities, the engagement of which may have a factual impact on the efficiency of managing the entire chain, as well as on the overall client satisfaction, improving tourism sustainability. The obtained results clearly showed that the examined entities considered the analyzed cooperation aspects to be very important with regard to the supply chain management. Said aspects included the total length of cooperation within the framework of a particular supply chain, which, according to the examined entities, directly translated into the quality of cooperation—to either significant or very significant extent, as well as making it much easier to solve certain problems that were strictly connected with the provision of tourism-oriented services. Yet another aspect of cooperation that was touched upon was the transfer of the so-called know-how between the entities engaged in a given supply chain. As proven by the examination, 70% of the surveyed entities claimed that it was of significant or very significant importance. The last analyzed aspect of cooperation were relations between the supply chain-specific partners and their impact on the satisfaction of end customers. According to over half of the sample (61.54%), decent relations between supply chain participants affected the satisfaction of end customers to a notable extent.

scholarly journals The IFRS 17 contractual service margin: a life insurance perspective

2021 ◽  
Vol 26 ◽  
Author(s):  
W. Yousuf ◽  
J. Stansfield ◽  
K. Malde ◽  
N. Mirin ◽  
R. Walton ◽  
...  
Keyword(s):  
Life Insurance ◽  
Market Value ◽  
Financial Statements ◽  
Insurance Contract ◽  
Accounting Standard ◽  
Insurance Contracts ◽  
Ifrs 4 ◽  
Insurance Perspective ◽  
To Come

Abstract IFRS 17 Insurance Contracts is a new accounting standard currently expected to come into force on 1 January 2023. It supersedes IFRS 4 Insurance Contracts. IFRS 17 establishes key principles that entities must apply in all aspects of the accounting of insurance contracts. In doing so, the Standard aims to increase the usefulness, comparability, transparency and quality of financial statements. A fundamental concept introduced by IFRS 17 is the contractual service margin (CSM). This represents the unearned profit that an entity expects to earn as it provides services. However, as a principles-based standard, IFRS 17 results in entities having to apply significant judgement when determining the inputs, assumptions and techniques it uses to determine the CSM at each reporting period. In general, the Standard resolves broad categories of mismatches which arise under IFRS 4. Notable examples include mismatches between assets recorded at current market value and liabilities calculated using fixed discount rates as well as inconsistencies in the timing of profit recognition over the duration of an insurance contract. However, there are requirements of IFRS 17 that may create economic or accounting mismatches of its own. For example, new mismatches could arise between the measurement of underlying contracts and the corresponding reinsurance held. Additionally, mismatches can still arise between the measurement of liabilities and the assets that support the liabilities. This paper explores the technical, operational and commercial issues that arise across these and other areas focusing on the CSM. As a standard that is still very much in its infancy, and for which wider consensus on topics is yet to be achieved, this paper aims to provide readers with a deeper understanding of the issues and opportunities that accompany it.

scholarly journals Simulation modeling and analysis of primary health center operations

SIMULATION ◽  
2021 ◽  
pp. 003754972110309
Author(s):  
Mohd Shoaib ◽  
Varun Ramamohan
Keyword(s):  
Resource Utilization ◽  
Waiting Times ◽  
Discrete Event ◽  
Simulation Models ◽  
Modeling And Analysis ◽  
Healthcare Facilities ◽  
Event Simulation ◽  
Analytical Approximations ◽  
Primary Health ◽  
Generic Modeling

We present discrete-event simulation models of the operations of primary health centers (PHCs) in the Indian context. Our PHC simulation models incorporate four types of patients seeking medical care: outpatients, inpatients, childbirth cases, and patients seeking antenatal care. A generic modeling approach was adopted to develop simulation models of PHC operations. This involved developing an archetype PHC simulation, which was then adapted to represent two other PHC configurations, differing in numbers of resources and types of services provided, encountered during PHC visits. A model representing a benchmark configuration conforming to government-mandated operational guidelines, with demand estimated from disease burden data and service times closer to international estimates (higher than observed), was also developed. Simulation outcomes for the three observed configurations indicate negligible patient waiting times and low resource utilization values at observed patient demand estimates. However, simulation outcomes for the benchmark configuration indicated significantly higher resource utilization. Simulation experiments to evaluate the effect of potential changes in operational patterns on reducing the utilization of stressed resources for the benchmark case were performed. Our analysis also motivated the development of simple analytical approximations of the average utilization of a server in a queueing system with characteristics similar to the PHC doctor/patient system. Our study represents the first step in an ongoing effort to establish the computational infrastructure required to analyze public health operations in India and can provide researchers in other settings with hierarchical health systems, a template for the development of simulation models of their primary healthcare facilities.

scholarly journals Patient’s Satisfaction With Quality of Care at a National Health Insurance Clinic at a Tertiary Center, South-South Nigeria

2021 ◽  
Vol 8 ◽  
pp. 237437352098147
Author(s):  
Temitope Esther Olamuyiwa ◽  
Foluke Olukemi Adeniji
Keyword(s):  
Health Care ◽  
Patient Satisfaction ◽  
Quality Of Care ◽  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
Bivariate Analysis ◽  
P Value ◽  
Tertiary Center

Introduction: Patient satisfaction is a commonly used indicator for measuring the quality of health care. This study assessed patients’ satisfaction with the quality of care at the National Health Insurance Scheme (NHIS) clinic in a tertiary facility. Methods: It was a descriptive cross-sectional study in which 379 systematically selected participants completed an interviewer-administered, semi-structured questionnaire. Data were analyzed using Statistical Package for Social Sciences (SPSS) version 23. Bivariate analysis was performed using Pearson χ2 with a P value set at ≤ .05. Results: The study found out that about half (193, 50.9%) of the respondents were satisfied with the availability of structure. Patients were not satisfied with waiting time in the medical records, account, laboratory, and pharmacy sections. Overall, 286 (75.5%) of the respondents were satisfied with the outcome of health care provided at the NHIS clinic. A statistically significant association ( P = .00) was observed between treatment outcome and patient satisfaction. Conclusion: There is a need to address structural deficiencies and time management at the clinic.

scholarly journals The effectiveness of different patient referral systems to shorten waiting times for elective surgeries: systematic review

2021 ◽  
Vol 21 (1) ◽  
Author(s):  
Dimuthu Rathnayake ◽  
Mike Clarke
Keyword(s):  
Primary Care ◽  
Health Systems ◽  
Elective Surgery ◽  
Waiting Times ◽  
Surgical Care ◽  
High Income ◽  
Surgical Patients ◽  
Timely Access ◽  
Referral Systems

Abstract Background Long waiting times for elective surgery are common to many publicly funded health systems. Inefficiencies in referral systems in high-income countries are more pronounced than lower and middle-income countries. Primary care practitioners play a major role in determining which patients are referred to surgeon and might represent an opportunity to improve this situation. With conventional methods of referrals, surgery clinics are often overcrowded with non-surgical referrals and surgical patients experience longer waiting times as a consequence. Improving the quality of referral communications should lead to more timely access and better cost-effectiveness for elective surgical care. This review summarises the research evidence for effective interventions within the scope of primary-care referral methods in the surgical care pathway that might shorten waiting time for elective surgeries. Methods We searched PubMed, EMBASE, SCOPUS, Web of Science and Cochrane Library databases in December-2019 to January-2020, for articles published after 2013. Eligibility criteria included major elective surgery lists of adult patients, excluding cancer related surgeries. Both randomised and non-randomised controlled studies were eligible. The quality of evidence was assessed using ROBINS-I, AMSTAR 2 and CASP, as appropriate to the study method used. The review presentation was limited to a narrative synthesis because of heterogeneity. The PROSPERO registration number is CRD42019158455. Results The electronic search yielded 7543 records. Finally, nine articles were considered as eligible after deduplication and full article screening. The eligible research varied widely in design, scope, reported outcomes and overall quality, with one randomised trial, two quasi-experimental studies, two longitudinal follow up studies, three systematic reviews and one observational study. All the six original articles were based on referral methods in high-income countries. The included research showed that patient triage and prioritisation at the referral stage improved timely access and increased the number of consultations of surgical patients in clinics. Conclusions The available studies included a variety of interventions and were of medium to high quality researches. Managing patient referrals with proper triaging and prioritisation using structured referral formats is likely to be effective in health systems to shorten the waiting times for elective surgeries, specifically in high-income countries.

scholarly journals A qualitative inquiry of access to and quality of primary healthcare in seven communities in East and West Africa (SevenCEWA): perspectives of stakeholders, healthcare providers and users

2021 ◽  
Vol 22 (1) ◽  
Author(s):  
Soter Ameh ◽  
Bolarinwa Oladimeji Akeem ◽  
Caleb Ochimana ◽  
Abayomi Olabayo Oluwasanu ◽  
Shukri F. Mohamed ◽  
...  
Keyword(s):  
Health Insurance ◽  
West Africa ◽  
Primary Healthcare ◽  
A Priori ◽  
Healthcare Providers ◽  
Health Coverage ◽  
Health Seeking ◽  
East And West ◽  
Universal Health

Abstract Background Universal health coverage is one of the Sustainable Development Goal targets known to improve population health and reduce financial burden. There is little qualitative data on access to and quality of primary healthcare in East and West Africa. The aim of this study was to describe the viewpoints of healthcare users, healthcare providers and other stakeholders on health-seeking behaviour, access to and quality of healthcare in seven communities in East and West Africa. Methods A qualitative study was conducted in four communities in Nigeria and one community each in Kenya, Uganda and Tanzania in 2018. Purposive sampling was used to recruit: 155 respondents (mostly healthcare users) for 24 focus group discussions, 25 healthcare users, healthcare providers and stakeholders for in-depth interviews and 11 healthcare providers and stakeholders for key informant interviews. The conceptual framework in this study combined elements of the Health Belief Model, Health Care Utilisation Model, four ‘As’ of access to care, and pathway model to better understand the a priori themes on access to and quality of primary healthcare as well as health-seeking behaviours of the study respondents. A content analysis of the data was done using MAXQDA 2018 qualitative software to identify these a priori themes and emerging themes. Results Access to primary healthcare in the seven communities was limited, especially use of health insurance. Quality of care was perceived to be unacceptable in public facilities whereas cost of care was unaffordable in private facilities. Health providers and users as well as stakeholders highlighted shortage of equipment, frequent drug stock-outs and long waiting times as major issues, but had varying opinions on satisfaction with care. Use of herbal medicines and other traditional treatments delayed or deterred seeking modern healthcare in the Nigerian sites. Conclusions There was a substantial gap in primary healthcare coverage and quality in the selected communities in rural and urban East and West Africa. Alternative models of healthcare delivery that address social and health inequities, through affordable health insurance, can be used to fill this gap and facilitate achieving universal health coverage.

scholarly journals Changes in the activity levels and financing sources of Israel’s private for-profit hospitals in the wake of reforms to the public-private divide

2021 ◽  
Vol 10 (1) ◽  
Author(s):  
Royi Barnea ◽  
Adi Niv-Yagoda ◽  
Yossi Weiss
Keyword(s):  
Health Insurance ◽  
Surgical Procedures ◽  
Health Expenditure ◽  
Medical Center ◽  
Waiting Times ◽  
Publicly Funded ◽  
Private Hospitals ◽  
The Public ◽  
For Profit ◽  
Elective Surgical Procedures

Abstract Background The Israeli National Health Insurance Law provides permanent residents with a basket of healthcare services through non-profit public health insurance plans, independently of the individual’s ability to pay. Since 2015, several reforms and programs have been initiated that were aimed at reinforcing public healthcare and redressing negative aspects of the health system, and specifically the constant rise in private health expenditure. These include the “From Reimbursement-to-Networks Arrangement”, the “Cooling-off Period” program and the program to shorten waiting times. The objectives of this study were to identify, describe, and analyze changes in private hospitals in 1) the volume of publicly and privately funded elective surgical procedures; and 2) private health expenditure on surgical procedures. Methods Data on the volume and funding of surgical procedures during 2013–2018 were obtained from Assuta Medical Center, Hertzelia Medical Center, the Israeli Ministry of Health and the Central Bureau of Statistics. The changes in the volume and financing sources of surgical activities in private hospitals, in the wake of the reforms were analyzed using aggregate descriptive statistics. Results Between 2013 and 2018 the volume of surgical activities in private for-profit hospitals increased by 7%. Between 2013 and 2017, the distribution of financing sources of surgical procedures in private hospitals remained stable, with most surgical procedures (75–77%) financed by the voluntary health insurance programs of the health plans (HP-VHI). In 2018, following the regulatory reforms, a significant change in the distribution of financing sources was observed: there was a sharp decline in the volume of HP-VHI-funded surgical procedures to 26%. Concurrently, the share of publicly-funded surgical procedures performed in private hospitals increased to 56% in 2018.,. During the study period, private spending on elective surgical procedures in private hospitals declined by 53% while public funding for them increased by 51%. Conclusions and policy implications In the wake of the reforms, there was a substantial shift from private to public financing of elective surgical activity in private hospitals. Private for-profit hospitals have become important providers of publicly-funded procedures. It is likely that the reforms affected the public-private mix in the financing of elective surgical procedures in those hospitals, but due to the absence of a control group, causality cannot be proven. It is also unclear whether waiting times were shortened. Health reforms must be accompanied by a clear and comprehensive set of indicators for measuring their success.

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