scholarly journals The Role of Voluntary Health Insurance under the Existence of Publicly Funded Health Care System

2014 ◽  
Vol 2014 (625) ◽  
pp. 625_33-625_50
Author(s):  
Masato Kosaka
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Publicly Funded ◽  
Voluntary Health Insurance ◽  
Care System

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

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.

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 Why it is time to review the role of private health insurance in Australia

2004 ◽  
Vol 27 (1) ◽  
pp. 3 ◽  
Author(s):  
Leonie Segal
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Health Care System ◽  
Private Health Insurance ◽  
Private Provider ◽  
Private Hospitals ◽  
The Public ◽  
Universal Health ◽  
Care System

The role of private health insurance (PHI) within the Australian health-care system is urgently in need ofcomprehensive review. Two decades of universal health cover under Medicare have meant a change in the function ofPHI, which is not reflected in policies to support PHI nor in the public debate around PHI. There is increasingevidence that the series of policy adjustments introduced to support PHI have served to undermine rather than promotethe efficiency and equity of Australia's health care system. While support for PHI has been justified to 'take pressure offthe public hospital system' and to 'facilitate choice of insurer and private provider', and the incentives have indeedincreased PHI membership, this increase comes at a high cost relative to benefits achieved. The redirection of hospitaladmissions from the public to private hospitals is small, with a value considerably less than 25% of the cost of thepolicies. The Commonwealth share of the health care budget has increased and the relative contribution from privatehealth insurance is lower in 2001-02, despite an increase in PHI membership to nearly 45% of the population,compared with the 30% coverage in 1998. The policies have largely directed subsidies to those on higher incomes whoare more likely to take out PHI, and to private insurance companies, private hospitals and medical specialists. Ad hocpolicy adjustments need to be replaced by a coherent policy towards PHI, one that recognises the fundamental changein its role and significance in the context of universal health coverage.

scholarly journals Healthcare on President Joe Biden’s agenda

2021 ◽  
pp. 0
Author(s):  
Anastasia Guchanova
Keyword(s):  
Health Care ◽  
Human Capital ◽  
Health Insurance ◽  
Medical Care ◽  
Federal Government ◽  
Health Care System ◽  
The Us ◽  
Care System ◽  
Critical Situations

The article examines the main problems and disproportions in the US health care system, which were clearly revealed during the Covid-19 pandemic. There were analyzed the main measures taken by the administration of Democratic President J. Biden to overcome the pandemic and his plans to reform health care and health insurance. The author revealed that the market principles of health care and health insurance do not cope with critical situations and are not able to ensure the availability of medical care in the country, and therefore the strengthening of the role of the federal government in these sectors of the economy is necessary for the development of human capital. 

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.

STRUCTURAL COMPONENTS OF THE PRIVATE MEDICAL SECTOR ACTIVATION MECHANISM

Economical ◽  
2019 ◽  
Vol 2 (2(21)) ◽  
pp. 170-177
Author(s):  
Anzhela Bairak ◽  
Keyword(s):  
Health Care ◽  
Health Care System ◽  
Activation Mechanism ◽  
Practical Significance ◽  
Structural Components ◽  
Medical Sector ◽  
Analysis And Synthesis ◽  
Private Medicine ◽  
Care System

The article examines the problems of private medicine in the health care system of the country. The aim of the article is to determine the structural components of the mechanism of activation of the private medical sector as a reserve for the provision of quality and affordable medical services and a driver for the development of the medical industry. The descriptive-analytical method, methods of analysis and synthesis, comparison, statistical, analysis and scientific generalization were used in the paper. The study substantiates the strengthening of the role of the private medical sector in the health care management system. The key problems of the domestic private medical sector and the restraining factors of its development are identified. It is concluded that it is necessary to develop a mechanism to promote the development of private medicine through a policy of active change in the health care system. The directions of activation of the private medical sector as a target reference point in the process of determining the structural elements of the organizational and economic mechanism are outlined. The structural detail of the mechanism of activation of the private medical sector for optimization of the health care system is offered. The practical significance of the obtained results is that the results of the research presented in the article are a practical basis for the development and improvement of mechanisms of public administration in the field of health care.

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.

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