Is There A Market For Voluntary Health Insurance In Developing Countries
Is There A Market For Voluntary Health Insurance In Developing Countries Book in PDF, ePub and Kindle version is available to download in english. Read online anytime anywhere directly from your device. Click on the download button below to get a free pdf file of Is There A Market For Voluntary Health Insurance In Developing Countries book. This book definitely worth reading, it is an incredibly well-written.
Alexander S. Preker,Richard M. Scheffler,Mark C. Bassett
Author : Alexander S. Preker,Richard M. Scheffler,Mark C. Bassett Publisher : World Bank Publications Page : 460 pages File Size : 55,9 Mb Release : 2007 Category : Business & Economics ISBN : 9780821366202
Private Voluntary Health Insurance in Development by Alexander S. Preker,Richard M. Scheffler,Mark C. Bassett Pdf
Private voluntary health insurance already plays an important role in the health sector of many low and middle income countries. The book reviews the context under which private insurance could contribute to an improvement in the financial sustainability of the health sector, financial protection against the costs of illness, household income smoothing, access to care, and market productivity. This volume is the third in aseries of in-depth reviews of the role of health care financing in providing access for low-income populations to needed healthcare, protecting them from the impoverishing effects of illness, and addressing the important issues of social exclusion in government financed programs.
Is There a Market for Voluntary Health Insurance in Developing Countries? by Mark V. Pauly,Fredric E. Blavin,Sudha Meghan Pdf
"In many developing countries the proportion of health care spending paid out of pocket is about half of all spending or more. This study examines the distribution of such spending by income and care type, and the variation in spending about its expected value, in order to see whether voluntary private health insurance that reduces variation in spending might be able to be supplied. Using data from the World Health Survey for 14 developing countries, we find that out of pocket spending varies by income but that most spending usually occurs in income quintiles below the topmost quintile. We use estimates of the variance of total spending, hospital spending, physician spending, and outpatient drug spending about their means to generate estimates of the risk premia risk averse consumers might pay for insurance coverage. For hospital spending and total spending, these risk premia as a percent of expenses are generally larger than reasonable estimates of private health insurer loading as a percent of expenses, suggesting that voluntary insurance might be feasible. However, the strong relationship between spending and income suggests that insurance markets may need to be segmented by income"--National Bureau of Economic Research web site
Alexander S. Preker,Peter Zweifel,Onno P. Schellekens
Author : Alexander S. Preker,Peter Zweifel,Onno P. Schellekens Publisher : World Bank Publications Page : 528 pages File Size : 51,9 Mb Release : 2009-11-18 Category : Business & Economics ISBN : 0821376772
Global Marketplace for Private Health Insurance by Alexander S. Preker,Peter Zweifel,Onno P. Schellekens Pdf
Financial protection against the cost of illness and inclusion of vulnerable groups will require better mobilization and use of private means. Private voluntary health insurance already plays an important role in mobilizing additional resources to the health sector and protecting against the catastrophic cost of illness in some countries. This review explores the context under which private voluntary health insurance could contribute to an improvement in the sustainability of the health sector and financial protection in other countries.
Author : R. Paul Shaw Publisher : World Bank Publications Page : 188 pages File Size : 47,6 Mb Release : 2007-01-01 Category : Business & Economics ISBN : 9780821369500
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.
Voluntary Health Insurance in Europe: Country Experience by Sagan A.,Sarah Thomson Pdf
No two markets for voluntary health insurance (VHI) are identical. All differ in some way because they are heavily shaped by the nature and performance of publicly financed health systems and by the contexts in which they have evolved. This volume contains short structured profiles of markets for VHI in 34 countries in Europe. These are drawn from European Union member states plus Armenia Iceland Georgia Norway the Russian Federation Switzerland and Ukraine. The book is aimed at policy-makers and researchers interested in knowing more about how VHI works in practice in a wide range of contexts. Each profile written by one or more local experts identifies gaps in publicly-financed health coverage describes the role VHI plays outlines the way in which the market for VHI operates summarises public policy towards VHI including major developments over time and highlights national debates and challenges. The book is part of a study on VHI in Europe prepared jointly by the European Observatory on Health Systems and Policies and the WHO Regional Office for Europe. A companion volume provides an analytical overview of VHI markets across the 34 countries.
Private Voluntary Health Insurance by Greg Brunner,Pablo Gottret,Birgit Hansl,Vijayasekar Kalavakonda,Somil Nagpal,Nicole Tapay Pdf
This book aims to help countries design and implement a legal framework for a viable private health insurance market, with rationale for insurance regulation, institutions involved, and standards and protections used in regulating private health insurance.
Alexander S. Preker,Marianne E. Lindner,Dov Chernichovsky,Onno P. Schellekens
Author : Alexander S. Preker,Marianne E. Lindner,Dov Chernichovsky,Onno P. Schellekens Publisher : World Bank Publications Page : 778 pages File Size : 47,8 Mb Release : 2013-05-31 Category : Business & Economics ISBN : 9780821385791
Scaling Up Affordable Health Insurance by Alexander S. Preker,Marianne E. Lindner,Dov Chernichovsky,Onno P. Schellekens Pdf
This book presents an in-depth review on the role of health care financing in improving access for low-income populations to needed care, protecting them from the impoverishing effects of illness, and addressing the important issues of social exclusion in government financed programs.
Private Voluntary Health Insurance by Greg Brunner,World Bank Pdf
Despite substantial progress towards peace, economic growth, and better governance since 2003, Liberia remains one of the poorest countries in the world. The objective of this study is twofold. First it is to provide a basic diagnostic of both consumption-based poverty and human development (especially education and health) in the country using the 2007 CWIQ (Core Welfare Indicators Questionnaire) survey. Second, it is to assess the likely impact on the poor of the recent economic crisis, and especially the increase in rice prices, and to document the targeting performance of various measures.
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.
The Problem of Private Health Insurance by Susan F. Murray Pdf
Financial markets, actors, institutions and technologies are increasingly determining which kinds of services and 'welfare' are available, how these are narrated, and what comes to represent the 'common sense' in the policy world and in everyday life. This Element problematises the rationale and operation of one such financial technology, private health insurance, and the industry it inhabits. It offers a cross-disciplinary overview of the various drivers of these markets in middle-income countries and their appeal for development institutions and for governments. Using a range of illustrative case examples and drawing on critical scholarship it considers how new markets are pursued and how states are entangled with market development. It reflects on how the private health insurance sector in turn is shaping and segmenting health systems, and also our ideas about rights, fairness and responsibility.
Voluntary Health Insurance in Europe: Role and Regulation by Sagan A.,Sarah Thomson Pdf
If public resources were unlimited there would be no gaps in health coverage and no real need for VHI. However most health systems face fiscal constraints and VHI is often seen as a way to address these pressures. This study draws from the experiences of 34 countries to assess VHI s contribution to health spending and to understand its role in Europe and in relation to publicly financed coverage. It looks at who sells VHI who purchases it and why. It also reviews public policy towards VHI at national and EU levels and the related national policy debates. The analysis shows that while the different markets for VHI vary considerably in size operation and regulation the vast majority are small. Where there are substantial markets these tend to be the oldest ones having a tradition of non-profit insurers and to be the most heavily regulated to ensure VHI policies are accessible and affordable. The study also suggests that VHI is normally a better way of meeting population health needs than out-of-pocket payments although there are notable exceptions. VHI can contribute to financial protection especially where it plays a substitutive and complementary role covering co-payments. However it is a complex challenging and highly context-specific policy instrument that may undermine other health system goals including equitable access efficiency transparency and accountability even where markets are well regulated. Policy-makers should therefore exercise real caution before expanding VHI to fill coverage gaps. This volume and its companion set of country profiles were developed jointly by the Observatory s LSE hub and the WHO Regional Office for Europe. The study draws on contributions from national experts from the EU EFTA and other countries in Europe.
Author : David W. Dunlop,Jo. M. Martins Publisher : World Bank Publications Page : 212 pages File Size : 46,9 Mb Release : 1995-01-01 Category : Business & Economics ISBN : 0821332538
An International Assessment of Health Care Financing by David W. Dunlop,Jo. M. Martins Pdf
World Bank Discussion Paper No. 308. A major obstacle in creating secure banks in transitional economies is the absence of political will and the lack of traditions and techniques for governing and regulating financial intermediaries. This paper provides a comprehensive, annotated model contract for policymakers and bank executives to help them discipline troubled banks.
Health Financing Revisited by Pablo Enrique Gottret,George Schieber Pdf
This overview of health financing tools, policies and trends--with a particular focus on challenges facing developing countries--provides the basis for effective policy-making. Analyzing the current global environment, the book discusses health financing goals in the context of both the underlying health, demographic, social, economic, political and demographic analytics as well as the institutional realities faced by developing countries, and assesses policy options in the context of global evidence, the international aid architecture, cross-sectoral interactions, and countries' macroeconomic frameworks and overall development plans.
Health Financing in the Developing World by Guy Carrin Pdf
A collection of peer-reviewed articles and contributions to books, this overview of the finance of health insurance concentrates on developing countries. The material covers various financing strategies and explains how each can--or cannot--help improve the transition toward universal coverage. The model plans shown here are particularly useful for policy-makers and technical advisers who have to decide upon health financing policies--or are engaged in a debate about them--and the sample forms can be adjusted to the particular economic and political context of the developing countries involved. In addition, there are reminders that this process varies: in some countries, universal coverage may take time and require a step-by-step approach. In other developing countries, a swift transition to universal coverage may be quite feasible.
How Adverse Selection Affects the Health Insurance Market by Paolo Belli Pdf
There may be a price to pay (in terms of inefficient coverage) if competition among health insurers is encouraged as a way to give patients greater choice and to achieve better control over insurance providers.
