Financing Micro Health Insurance Theory Methods And Evidence

Author : David M Dror
Publisher : World Scientific
Page : 552 pages
File Size : 50,5 Mb
Release : 2018-12-27
Category : Business & Economics
ISBN : 9789813238497

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Financing Micro Health Insurance: Theory, Methods And Evidence by David M Dror Pdf

Healthcare for all at affordable prices is still a major but universally elusive goal. Everyone spends money on healthcare, and it is the most impoverishing consumption item. Thus, most governments (and the United Nations) promote Universal Health Coverage — each country's unique blend of tools for healthcare financing, including taxes, subsidies and market controls.Most people in low- and middle-income countries (LMICs) have no health insurance of any kind. And most LMIC governments lack the political will, information, or resources to require their citizens to buy health insurance themselves or to subsidize insurance for all who cannot afford the price. This book deals with financing voluntary and contributory health insurance for resource-poor and rural groups in LMICs.This book addresses three issues. The first is how to catalyse demand for health insurance and develop insurance literacy among the largely illiterate and innumerate target population, using training programs to build an enabling consensus, allowing locals to create and administer such schemes. The second involves the process of developing simplified methods for risk assessment, which can help to underwrite risks, price the micro health insurance schemes, and ensure proper implementation. The third issue is formulating a compelling business case which would make this health insurance affordable, financially sustainable, and operationally scalable.This book develops insurance education and financial literacy for students of economics, business administration, insurance, development studies, and social work to prepare them for practical work as implementers, policymakers, or evaluators. A supplementary section for teachers and students includes comprehension questions.

Author : David M Dror
Publisher : World Scientific
Page : 454 pages
File Size : 48,6 Mb
Release : 2020-02-05
Category : Business & Economics
ISBN : 9789811208546

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Health Microinsurance: Implementing Universal Health Coverage In The Informal Sector by David M Dror Pdf

This book is the first and only study on implementing Universal Health Coverage in poor, rural and informal settings, with end-to-end guidance for rolling out a demand-driven and needs-based health insurance model. The chapters are comprehensive, covering topics such as data collection and analysis for contextual risk assessment, the design of suitable benefits packages, how to price microinsurance, insurance education for illiterate or innumerate populations, the setting up of governance bodies and training staff for key roles, and information management.The book contains insights gained from years of fieldwork in several countries and is valuable reading for undergraduate and graduate students and practitioners of health microinsurance. As a companion to the author's first book, Financing Micro Health Insurance: Theory, Methods and Evidence, this book provides the only current source of information on implementing health microinsurance. The practical guidelines to setting up and operating a microinsurance scheme are accompanied by impact evaluation, chapter exercises and Issue Briefs that present examples of using tools that are necessary for successful implementation.

Author : Amy Finkelstein
Publisher : Columbia University Press
Page : 161 pages
File Size : 43,5 Mb
Release : 2014-12-02
Category : Medical
ISBN : 9780231538688

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Moral Hazard in Health Insurance by Amy Finkelstein Pdf

Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice

Author : Aida Isabel Tavares
Publisher : BoD – Books on Demand
Page : 208 pages
File Size : 41,9 Mb
Release : 2024-03-13
Category : Medical
ISBN : 9780854662128

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Health Insurance Across Worldwide Health Systems by Aida Isabel Tavares Pdf

Health insurance is the mechanism used to respond to uncertainty and risk aversion to illness. Health insurance, whether private, public, or mixed, serves as the main structural foundation for health systems across countries. Its objectives are to minimize the financial burden of medical expenses on people and to enhance population health. Globally, there is a great diversity of health systems and even greater variation among them. There are substantial differences in health systems and health insurance between low- and middle-income nations. The primary explanation for this could be the disparities in the resources available to fund the health system. High-income countries have the financing ability to fund the provision of health care, whereas low- and medium-income countries have a harder time funding health care. Another challenge health systems face nowadays is the achievement of the United Nations Sustainable Development Goal 3: healthy lives and promoting well-being for all. To create resilient and sustainable health systems that guarantee healthy lives and foster well-being for people of all ages, many countries are redesigning their healthcare systems by improving financing, access, and coverage. This book discusses these issues in different health systems around the world, in low-, middle-, and high-income countries.

Author : Olusoji Adeyi
Publisher : World Scientific
Page : 320 pages
File Size : 54,9 Mb
Release : 2021-12-28
Category : Medical
ISBN : 9789811245978

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Global Health In Practice: Investing Amidst Pandemics, Denial Of Evidence, And Neo-dependency by Olusoji Adeyi Pdf

The COVID-19 pandemic has laid bare the world's vulnerabilities to health and economic ruin from disease outbreaks. But the pandemic merely reveals fundamental weaknesses and contradictions in global health. What are the roots of discontents in global health? How do geo-politics, power dynamics, knowledge gaps, racism, and corruption affect global health? Is foreign aid for health due for a radical overhaul?This book is an incisive guide to the practice of global health in real life. Global health policy is at a crossroads. It is on trial at the interface between the Global North and the Global South. There has been remarkable progress in health outcomes over the past century. Yet, countries face a complex landscape of lofty ambitions in the form of political commitments to Universal Health Coverage, Human Capital, and Global Health Security. These ambitions are tempered by multiple constraints. Investors in global health must navigate a minefield of uneven progress, great expectations, and denials of scientific evidence by entrenched interests. That terrain is further complicated by the hegemonic suppression of innovation that threatens the status quo and by self-perpetuating cycles of dependency of the Global South on the Global North.This book is an unflinching scrutiny of concepts and cases by a veteran of global health policy and practice. It holds a mirror to the world and lays out pathways to a better future. The book is a must-have GPS for policy makers and practitioners as they navigate the maze of global health.

Author : Alexander S Preker,Hortenzia Beciu,Eric L Keuffel
Publisher : World Scientific
Page : 603 pages
File Size : 55,5 Mb
Release : 2019-08-27
Category : Medical
ISBN : 9789813278769

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Financing The Education Of Health Workers: Gaining A Competitive Edge by Alexander S Preker,Hortenzia Beciu,Eric L Keuffel Pdf

This volume reviews the economic underpinnings (investment and financing) and institutional reforms needed to successfully scale up the education of health workers. In this regard, the book examines five major economic and institutional challenges that policy makers face: (1) governance of health education organizations and systems; (2) approaches to financing the education of health workers; (3) the special nature of capital investment in expanding the capacity of health education institutions; (4) public-private partnerships in health education; and (5) equity in accessing health education, with a special focus on issues that arise from private approaches to the education of health workers.Much of the existing literature focuses on the quality and contents of training health workers, and very little has been written on the institutional dimension of financing their training and education. This book examines the complex institutional and financial models and approaches that can impact the demand and supply of health worker education programs around the world.Building on the findings of the Independent Commission on the Education of Health Professionals for the 21st Century, which published on the foundations and the issues of global postsecondary professional education, this volume brings in new and in-depth aspects such as governance, capital investments, and the role of the private sector in the production of health professionals; thus allowing the reader to understand how the health worker education field has moved from theory to practice.

Author : Preker Alexander S
Publisher : World Scientific
Page : 672 pages
File Size : 49,7 Mb
Release : 2018-03-20
Category : Business & Economics
ISBN : 9789813227194

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Financing Universal Access To Healthcare: A Comparative Review Of Landmark Legislative Health Reforms In The Oecd by Preker Alexander S Pdf

The recent expansion of health insurance coverage in the USA under the Affordable Health Care Act, and current threats to reverse the benefits of this reform, have once again focused the world's attention on the difficult challenges faced by other countries trying to provide better access to healthcare to their population at an affordable cost. This textbook provides a comparative review of financing universal access to healthcare in the Organisation for Economic Co-operation and Development (OECD) countries. The first two chapters of the book provide a framework for financing universal access to healthcare. The remaining eight chapters present case studies of eight OECD countries that have successfully introduced reforms to finance universal access to healthcare for their population through landmark legislative reforms. A concluding chapter focuses on the lessons learned from the OECD and recommendations from policymakers and others who are planning similar reforms. The book is designed as a learning tool for students and as a user guide for policymakers. Contents: Introduction Principles and Practice The UK Canada Australia New Zealand Denmark Norway Sweden Finland Summary of Lessons Learned Readership: Graduate and research-level students and instructors of healthcare financing, healthcare policymakers, and healthcare professionals and investors. Keywords: Universal;Health Financing;Health Insurance;Health Reform;Financial Protection;Political Process;HealthcareReview: "The International Hospital Federation (IHF) is committed to advancing the UHC agenda throughout the world, giving billions of people better access to critical hospital care and basic health services when needed, no matter their income or geographic location in the world. Since its establishment in 1929, the IHF recognizes the essential role of hospitals and health care organizations in providing health care, supporting health services and offering education to health care providers as a critical partner in during the drive for UHC throughout the world. This volume is a tribute to the renewed effort in achieving 'Health for All'." Eric de Roodenbeke Executive Director International Hospital Federation Geneva 2018 "This year, as we commemorate the 40th Anniversary of the Alma-Ata Declaration of 'Health for All' in Almaty, Kazakhstan, 1978 and the 70th Anniversary of the UK National Health Service, 1948, we also celebrate the great achievement over the past decades in bringing access to affordable and quality health care for billions of people across the world since the 1950s. Looking forward, at the recent Universal Health Coverage Forum 2017 in Tokyo Japan, the international development community — including both bi-laterals and multi-laterals — committed to the 'Tokyo Declaration on Universal Health Coverage: All Together to Accelerate Progress towards UHC'. This text book makes a valuable contribution by reviewing the political, policy and implementation challenges that countries face in achieving this agenda. The approach used to analyze the eight case studies presented in the volume is a seminal work in comparative health policy." James Christopher Lovelace International Health and Development Advisor Former Director, Health Nutrition and Population, World Bank Former Assistant Deputy Minister of Health, Government of BC, Canada Former Director General of Health, Government of New Zealand Key Features: The main distinguishing feature of this book is to compare OECD countries that have successful experiences in addressing the policy challenges and p

Author : Diane-charlotte Simon,Alexander S Preker,Susan C Hulton
Publisher : World Scientific
Page : 648 pages
File Size : 40,7 Mb
Release : 2023-09-27
Category : Business & Economics
ISBN : 9789811240935

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Sustainability: Business And Investment Implications by Diane-charlotte Simon,Alexander S Preker,Susan C Hulton Pdf

This book explores the business and investment implications of sustainability, both opportunities and challenges. The volume lays the groundwork for understanding the growing areas of sustainable business and sustainable finance. Over the past few decades, the world has witnessed significant improvements in economic development that meet a wide range of human needs. Ensuring that such development takes place in a 'sustainable' way is the central focus of the book. The book provides insights for businesses, investors, and others on how to navigate this complex and evolving landscape.The United Nations and global leaders in business and investment have emphasized the important role that the private sector can play in protecting the environment and promoting a more sustainable use of resources.'What is needed now is a new era of economic growth — growth that is at the same time socially and environmentally sustainable. This call for action in the Forward to the 1987 Bruntland Report (Our Common Future), which emphasizes that economic growth is part of the solution not the problem, still rings true nearly 40 years later.Gro Harlem BrundtlandReport of the World Commission on Environment and Development, United Nations 1987'Private sector leadership is vital to advance sustainable development and fight the existential threats of climate change, biodiversity loss and pollution.'António GuterresUnited Nations Secretary-GeneralMessage to International Chamber of Commerce's 13th World Chambers CongressUnited Nations Press Release on the Environment, June 21, 2023 (SG/SM/21851)Like Henry Ford's strategy over 100 years ago at the time of the mass introduction of the Model T Ford, Elon Musk had a similar strategy for switching from fossil fuels to renewable energy powered cars. '[Initially enter] the high end of the market, where customers are prepared to pay a premium, and then drive down [the] market as fast as possible to higher unit volume and lower prices with each successive model.'Elon MuskCEO Tesla Inc, Interview with Solar Tribune, Feb 16, 2020'Investing for the long term requires taking a long-term view of what will impact returns, including demographics, government policy, technological advancements, and the transition to a low carbon economy.'Laurence D FinkBlackrock Chairman and Chief Executive Officer, Larry Fink's Annual Chairman's Letter to Investors,Blackrock, 2023'Capital markets are an extraordinarily powerful tool in the fight against climate change. Government action is certainly critical. But ultimately, reducing emissions globally depends on the private sector recognizing the commercial opportunities that sustainability presents.'Michael R BloombergFounder of Bloomberg LP and Bloomberg PhilanthropiesDavid M SolomonCEO of Goldman SachsMobilize the Market to Fight Global WarmingBloomberg, Opinion Article, April 27, 2021

Author : Maria-Luisa Escobar,Charles C. Griffin,R. Paul Shaw
Publisher : Rowman & Littlefield
Page : 239 pages
File Size : 45,7 Mb
Release : 2011-01-01
Category : Political Science
ISBN : 9780815705611

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The Impact of Health Insurance in Low- and Middle-Income Countries by Maria-Luisa Escobar,Charles C. Griffin,R. Paul Shaw Pdf

Over the past twenty years, many low- and middle-income countries have experimented with health insurance options. While their plans have varied widely in scale and ambition, their goals are the same: to make health services more affordable through the use of public subsidies while also moving care providers partially or fully into competitive markets. Colombia embarked in 1993 on a fifteen-year effort to cover its entire population with insurance, in combination with greater freedom to choose among providers. A decade later Mexico followed suit with a program tailored to its federal system. Several African nations have introduced new programs in the past decade, and many are testing options for reform. For the past twenty years, Eastern Europe has been shifting from government-run care to insurance-based competitive systems, and both China and India have experimental programs to expand coverage. These nations are betting that insurance-based health care financing can increase the accessibility of services, increase providers' productivity, and change the population's health care use patterns, mirroring the development of health systems in most OECD countries. Until now, however, we have known little about the actual effects of these dramatic policy changes. Understanding the impact of health insurance–based care is key to the public policy debate of whether to extend insurance to low-income populations—and if so, how to do it—or to serve them through other means. Using recent household data, this book presents evidence of the impact of insurance programs in China, Colombia, Costa Rica, Ghana, Indonesia, Namibia, and Peru. The contributors also discuss potential design improvements that could increase impact. They provide innovative insights on improving the evaluation of health insurance reforms and on building a robust knowledge base to guide policy as other countries tackle the health insurance challenge.

Author : Jonathan Cylus,Irene Papanicolas,Peter C. Smith
Publisher : Health Policy
Page : 264 pages
File Size : 44,6 Mb
Release : 2016-12-15
Category : Medical
ISBN : 9289050411

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Health System Efficiency by Jonathan Cylus,Irene Papanicolas,Peter C. Smith Pdf

In this book the authors explore the state of the art on efficiency measurement in health systems and international experts offer insights into the pitfalls and potential associated with various measurement techniques. The authors show that: - The core idea of efficiency is easy to understand in principle - maximizing valued outputs relative to inputs, but is often difficult to make operational in real-life situations - There have been numerous advances in data collection and availability, as well as innovative methodological approaches that give valuable insights into how efficiently health care is delivered - Our simple analytical framework can facilitate the development and interpretation of efficiency indicators.

Author : Craig Churchill
Publisher : Academic Foundation
Page : 688 pages
File Size : 55,7 Mb
Release : 2008
Category : Electronic
ISBN : 8171886701

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Protecting The Poor: A Microinsurance Compendium by Craig Churchill Pdf

Author : David M. Dror,Alexander S. Preker
Publisher : World Bank Publications
Page : 548 pages
File Size : 46,8 Mb
Release : 2002-01-01
Category : Business & Economics
ISBN : 0821350412

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Social Reinsurance by David M. Dror,Alexander S. Preker Pdf

Annotation This volume views community-based microinsurance as an incremental first step to improved financial protection and better access to health services for the poor. While community-based financing can be structured in various ways, this volume focuses on reinsurance as a mechanism for improving micro-level health insurance units. It outlines strategies and policies that can be applied by countries and donors to improve access to health care services.

Author : R. Paul Shaw
Publisher : World Bank Publications
Page : 188 pages
File Size : 52,6 Mb
Release : 2007-01-01
Category : Business & Economics
ISBN : 9780821369500

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Social Health Insurance for Developing Nations by R. Paul Shaw Pdf

Specialist groups have often advised health ministers and other decision makers in developing countries on the use of social health insurance (SHI) as a way of mobilizing revenue for health, reforming health sector performance, and providing universal coverage. This book reviews the specific design and implementation challenges facing SHI in low- and middle-income countries and presents case studies on Ghana, Kenya, Philippines, Colombia, and Thailand.

Author : National Academies of Sciences, Engineering, and Medicine,Health and Medicine Division,Board on Population Health and Public Health Practice,Committee on Community-Based Solutions to Promote Health Equity in the United States
Publisher : National Academies Press
Page : 583 pages
File Size : 51,6 Mb
Release : 2017-04-27
Category : Medical
ISBN : 9780309452960

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Communities in Action by National Academies of Sciences, Engineering, and Medicine,Health and Medicine Division,Board on Population Health and Public Health Practice,Committee on Community-Based Solutions to Promote Health Equity in the United States Pdf

In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Author : Hong Wang,Kimberly Switlick,Christine Ortiz,Beatriz Zurita,Catherine Connor
Publisher : World Bank Publications
Page : 141 pages
File Size : 42,6 Mb
Release : 2012-01-18
Category : Business & Economics
ISBN : 9780821389539

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Health Insurance Handbook by Hong Wang,Kimberly Switlick,Christine Ortiz,Beatriz Zurita,Catherine Connor Pdf

Many countries that subscribe to the Millennium Development Goals (MDGs) have committed to ensuring access to basic health services for their citizens. Health insurance has been considered and promoted as the major financing mechanism to improve access to health services, as well to provide financial risk protection.