scholarly journals Voluntary health insurance as a source of funding for the health care system: the world’s experience and Ukraine

2020 ◽  
Vol 11 (1) ◽  
pp. 61-80
Author(s):  
Fedir Zhuravka ◽  
Olena Zhuravka ◽  
Eugenia Bondarenko
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
The State ◽  
Insurance Market ◽  
Voluntary Health Insurance ◽  
Insurance Sector ◽  
Potential Capacity ◽  
Health Insurance Market ◽  
Care System

In the conditions of insufficient budgetary financing of the health care system and low quality of medical care in the state medical establishments of Ukraine, the importance of extra-budgetary sources of financing becomes increasingly relevant. One such source is voluntary health insurance. The aim of the paper is to compare the state and structure of medical financing in developed countries and in Ukraine, to study the global experience in the functioning of the voluntary health insurance market, and to calculate the potential capacity of the voluntary health insurance sector in Ukraine. For mathematical calculations, 20 absolute indicators of the state of the voluntary health insurance sector, as well as macroeconomic indicators, were used. The annual values of absolute indicators for the period 2010–2019 were used in forming the array of input data. Based on the experience of foreign countries, the paper substantiates the development of the voluntary health insurance in Ukraine as an extra-budgetary source of health care funding. The capacity of the voluntary health insurance sector was defined by the authors as the maximum possible amount of insurance premiums that insurers can receive in the process of selling voluntary health insurance products. The calculations made it possible to conclude that the voluntary health insurance market in Ukraine has the potential for development, as evidenced by the predominance of the potential capacity of the voluntary health insurance segment over its real indicator.

scholarly journals ržište privatnog zdravstvenog osiguranja u debatama o reformi zdravstvenog sistema u postsocijalističkim zemljama

2021 ◽  
Vol 20 (01) ◽  
pp. 55-62
Author(s):  
Zdravko Šolak
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Social System ◽  
Social Transformation ◽  
Insurance Market ◽  
Limiting Factors ◽  
Voluntary Health Insurance ◽  
Health Care Funding ◽  
Health Insurance Market

Debates on the reform of health care fi nancing in the former socialist countries during the period of social transformation were conducted as part of a wider debate regarding changes in the overall social system. Existing financing models and innovative measures were reviewed. As part of such discussions, the voluntary health insurance market also received a lot of the attention. Diff erent views were expressed in the debates that were conducted during the 1990s, from seeing a suitable supplementary source of health care funding to those who highlighted the constraints in its implementation and modest results that can be expected. As one of the criteria for assessing the suitability of this mechanism, we could review what has been achieved so far in its application. Th e paper looks at the ground covered and the situation in the former socialist countries at the end of the second decade of this century, with particular reference to Serbia and countries in its surroundings. When it comes to Serbia it can be expected that the limiting factors from the last ten years will be still manifested in the future. It is estimated that there are weak prospects of activating voluntary health insurance as a way to alleviate the problems of insuffi cient fi nancing of the health care system.

Does voluntary health insurance reduce the use of and the willingness to finance public health care in Sweden?

2021 ◽  
pp. 1-18
Author(s):  
Linn Kullberg ◽  
Paula Blomqvist ◽  
Ulrika Winblad
Keyword(s):  
Public Health ◽  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Health Care Systems ◽  
Public Health Care ◽  
The Public ◽  
Voluntary Health Insurance ◽  
Care Systems ◽  
Care System

Abstract Voluntary private health insurance (VHI) has generally been of limited importance in national health service-type health care systems, especially in the Nordic countries. During the last decades however, an increase in VHI uptake has taken place in the region. Critics of this development argue that voluntary health insurance can undermine support for public health care, while proponents contend that increased private funding for health services could relieve strained public health care systems. Using data from Sweden, this study investigates empirically how voluntary health insurance affects the public health care system. The results of the study indicate that the public Swedish health care system is fairly resilient to the impact of voluntary health insurance with regards to support for the tax-based funding. No difference between insurance holders and non-holders was found in willingness to finance public health care through taxes. A slight unburdening effect on public health care use was observed as VHI holders appeared to use public health care to a lesser extent than those without an insurance. However, a majority of the insurance holders continued to use the public health care system, indicating only a modest substitution effect.

scholarly journals CURRENT STATE OF FINANCING HEALTHCARE IN RUSSIA

2019 ◽  
pp. 153-164 ◽  
Author(s):  
Lilia Olegovna Avdeeva ◽  
Elena Igorevna Kozyrenko
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Medical Insurance ◽  
Medical Services ◽  
Voluntary Health Insurance ◽  
Revenue Growth ◽  
Compulsory Health Insurance ◽  
Health Insurance Funds ◽  
Care System

The article touches upon the problem of financing health care in the world today, which is carried out mainly at the expense of budget funds, employers, population and enterprises in different proportions. The share of each of these sources in the total amount of funds allocated by society to health care determines the model of financing this economic sector. The budget model of financing the health care does not fully cover the needs of the population in the guaranteed volume of free medical care. In recent years, such sources as direct payment for medical services and voluntary health insurance programs have brought a certain amount of money to the Russian health care system. The conducted analysis of the financial support of the health care system in Russia proved that the cost of the program of state guarantees increases throughout the whole period. Means of compulsory medical insurance as well as budgetary allocations of the entities of the Russian Federation are used to finance the program of State guarantees. The volume of compulsory health insurance funds is increasing, the growth rate of compulsory health insurance in 2017 outpaced the rate assigned by the program. In 2016 revenue growth and spending cuts brought the Federal Fund of compulsory medical insurance to a deficit-free budget, but in 2017 the growth of spending outpaced revenue growth, which leads to a deficit. There can be seen the positive dynamics of growth rates of insurance premiums for voluntary health insurance. Currently, underfunding of territorial programs is compensated by the population independently through the use of voluntary health insurance and paid medical services. The main objective of the further transformation of compulsory medical insurance system is stated to increase the volume of financing of the system. In the process of adjusting state obligations the deficit of financial provision of territorial programs of state guarantees should be taken into account, which has already been redistributed due to its insecurity, but without legislative consolidation. The reserve of redistribution will be the increase in payments under contracts of voluntary medical insurance and funds received by medical organizations from the provision of paid medical services.

scholarly journals Some pain, no gain: experiences with the no-claim rebate in the Dutch health care system

2009 ◽  
Vol 4 (4) ◽  
pp. 405-424 ◽  
Author(s):  
J. HOLLAND ◽  
N.J.A. VAN EXEL ◽  
F.T. SCHUT ◽  
W.B.F. BROUWER
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Social Health Insurance ◽  
Convenience Sample ◽  
High Loss ◽  
Dutch Health ◽  
Dutch Health Care ◽  
Gp Visits ◽  
Care System

AbstractTo contain expenditures in an increasingly demand driven health care system, in 2005 a no-claim rebate was introduced in the Dutch health insurance system. Since demand-side cost sharing is a very controversial issue, the no-claim rebate was launched as a consumer friendly bonus system to reward prudent utilization of health services. Internationally, the introduction of a mandatory no-claim rebate in a social health insurance scheme is unprecedented. Consumers were entitled to an annual rebate of ₠ 255 if no claims were made. During the year, all health care expenses except for GP visits and maternity care were deducted from the rebate until the rebate became zero. In this article, we discuss the rationale of the no-claim rebate and the available evidence of its effect. Using a questionnaire in a convenience sample, we examined people’s knowledge, attitudes, and sensitivity to the incentive scheme. We find that only 4% of respondents stated that they would reduce consumption because of the no-claim rebate. Respondents also indicated that they were willing to accept a high loss of rebate in order to use a medical treatment. However, during the last month of the year many respondents seemed willing to postpone consumption until the next year in order to keep the rebate of the current year intact. A small majority of respondents considered the no-claim rebate to be unfair. Finally, we briefly discuss why in 2008 the no-claim rebate was replaced by a mandatory deductible.

Economic development trends and aspects of healthcare reform in Russia under COVID-2019 pandemic

2021 ◽  
Vol 17 (4) ◽  
pp. 503-513
Author(s):  
Natalya Krivenko
Keyword(s):  
Health Care ◽  
Health Care System ◽  
Socioeconomic Development ◽  
Large Scale ◽  
Mutual Influence ◽  
Health Financing ◽  
The State ◽  
Point Of View ◽  
State Of The Economy ◽  
Care System

The article is aimed at studying the state of the Russian economy and health care system before and after the COVID-2019 pandemic, identifying the main trends in the economy and health care, regardless of the pandemic, as well as its impact on the socioeconomic development of the country. The interrelation and mutual influence of the levels of development of the economy and health care of the country is noted. An analysis of the state of the economy and health care system in Russia for 2017–2019 is presented, problems and achievements in the pre-pandemic period are identified. The COVID-2019 pandemic is considered not only from the point of view of a medical manifestation but as a powerful trigger that provoked large-scale socioeconomic changes in the world, as a bifurcation point in world development, requiring states to objectively assess the state of the economy and healthcare, revise the current coordinate system, getting out of the state of uncertainty and choosing promising areas of socioeconomic development. A cross-country analysis of the response of various health systems to the COVID-19 pandemic has shown the advantages of countries with centralized management, health financing, and subordinate sanitary and epidemiological services. Along with the achievements of Russia in the fight against COVID-19, the existing specific problems of the domestic health care system are noted, which negatively affected the preparedness for a pandemic. Analyzed the consequences of the COVID-2019 pandemic for the socio-economic state of countries at the global level. The change in socio-economic indicators in Russia in 2020 compared to 2019 is presented as a result of the consequences of the COVID-2019 pandemic. The main results of the study are to identify the main trends in the development of the economy and the healthcare system in Russia in the context of the ongoing COVID-2019 pandemic, defining the directions of reforming the national healthcare, trajectories of increasing the level of socioeconomic development of the country

On teaching surgery to seconded doctors

1934 ◽  
Vol 30 (1) ◽  
pp. 26-32
Author(s):  
V. L. Bogolyubov
Keyword(s):  
Health Care ◽  
Soviet Union ◽  
Health Care System ◽  
The State ◽  
October Revolution ◽  
General State ◽  
State Health ◽  
National Scale ◽  
Systematic Improvement ◽  
Care System

The question of the systematic improvement of doctors on a national scale arose only after the October Revolution and the transfer of the health care system into the hands of the state. The October Revolution, which brought with it the system of state health care, raised the acute and very real question of creating a cadre of doctors to carry out the tasks of Soviet health care. Thus, the training of doctors in our Soviet Union in general and their training in particular is directly dependent on the tasks of Soviet health care, which are inseparably linked in their turn to the realization of various general state tasks at a given point in time.

The role of health insurance in regulating the Swiss health care system

2006 ◽  
Vol 1 (6) ◽  
pp. 227 ◽  
Author(s):  
Iva Bolgiani ◽  
Luca Crivelli ◽  
Gianfranco Domenighetti
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Swiss Health ◽  
Care System
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