The Theory Of Social Health Insurance

Author : Peter Zweifel
Publisher : Now Publishers Inc
Page : 104 pages
File Size : 45,9 Mb
Release : 2007
Category : Health insurance
ISBN : 9781601980168

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The Theory of Social Health Insurance by Peter Zweifel Pdf

The Theory of Social Health Insurance develops the theory of social health insurance also known as public health insurance. While a good deal is known about the demand and supply of private insurance, the theoretical basis of social health insurance is much more fragile. The Theory of Social Health Insurance examines questions including why does social health insurance exist and even dominate private health insurance in most developed countries? What are the objectives and constraints of social health insurance managers? What is the likely outcome or "performance" of social health insurance? The Theory of Social Health Insurance reviews the conventional theory of demand for insurance and health insurance, the supply of health insurance in general and social health insurance in particular, the properties of the optimal health insurance contract, and whether there are factors limiting the growth of social health insurance.

Author : Anonim
Publisher : Unknown
Page : 136 pages
File Size : 45,6 Mb
Release : 1994
Category : Electronic
ISBN : OCLC:223051607

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Social Health Insurance by Anonim Pdf

Author : Alexander S. Preker,Marianne E. Lindner,Dov Chernichovsky,Onno P. Schellekens
Publisher : World Bank Publications
Page : 778 pages
File Size : 47,6 Mb
Release : 2013-05-31
Category : Business & Economics
ISBN : 9780821385791

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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.

Author : R. Paul Shaw
Publisher : World Bank Publications
Page : 188 pages
File Size : 47,9 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 : John A. Nyman
Publisher : Stanford University Press
Page : 228 pages
File Size : 41,8 Mb
Release : 2003
Category : Health & Fitness
ISBN : 0804744882

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The Theory of Demand for Health Insurance by John A. Nyman Pdf

Why do people buy health insurance? Conventional theory holds that people purchase insurance because they prefer the certainty of paying a small premium to the risk of getting sick and paying a large medical bill. This book presents a new theory of consumer demand for health insurance. It holds that people purchase insurance to obtain additional "income" when they become ill.

Author : William A. Rushing
Publisher : Springer Science & Business Media
Page : 230 pages
File Size : 53,5 Mb
Release : 2012-12-06
Category : Business & Economics
ISBN : 9789400942318

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Social Functions and Economic Aspects of Health Insurance by William A. Rushing Pdf

Statistics published by the U. S. Department of Commerce (1980) indicate that in 1977 we spent 8. 1% of our gross national product (GNP) on life, health, property-casualty, and other forms of insurance. An additional 5. 7% was used to pay the Social Security tax, which is another form of insurance premium, for a total of 14. 8% of the GNP. \ Although insurance had its historical origin in marine insurance, it has now developed into one of the major industries of the American economy and extends into many areas of economic activity. One area where growth has been particularly strong is the medical sector. Health insurance is a major institution in all industrialized countries. It became a government responsibility in 1883 when Bismarck intro duced a compulsory program of health insurance for industrial workers in Germany. Programs for workers in various industrial and income categories soon followed in other European countries-Austria (1888), Hungary (1891), Norway (1909), Servia (1910), Great Britain (1911), and Russia and Romania (1912) (Rubinow, 1913:250). Programs in these countries were extended in subsequent years, and other countries in Europe followed with their own programs. Consequently, today most industrial countries have universal or near-universal health insurance coverage. In the United States the issue of national health insurance has been seriously debated since just prior to World War I, and polling data since the 1930s show that a substantial majority of the public has been supportive of such a program (Erskine, 1975).

Author : David M Dror
Publisher : World Scientific
Page : 552 pages
File Size : 47,9 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 S. Weis
Publisher : BoD – Books on Demand
Page : 206 pages
File Size : 50,5 Mb
Release : 2019-05-03
Category : Business & Economics
ISBN : 9783732239580

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Universal Health Coverage in China by David S. Weis Pdf

This study investigates the situation of Universal Health Care (UHC) in China from a health economic perspective. The first chapter introduces the historical background, analyzes the relevance of UHC and sheds light on the current health insurance status. In this chapter a new holistic health insurance theory is proposed that allows the inclusion of preventive medicine. The second chapter introduces the "Definition and concept" consisting of three dimensions: Firstly, the height dimension with the leading question "What proportion of the costs is covered?". Secondly, the depth dimension that is concerned with the question "Which benefits are covered?". This chapter puts a special focus on the important economic role of non-communicable diseases. Thirdly, the breadth dimension which investigates the question "Who is insured?". The third chapter, looking at the first dimension, found a high but shrinking amount of out-of-pocket payments and catastrophic health payments. Comparing the payment and benefit distributions, it found the ability to pay principle and insufficient separation of health service payments from its consumption. The second dimension discovered problems concerning the roles of ministries, financing and the benefit package. Reforming these areas will be necessary to provide people with appropriate health care. The third dimension showed that migrant workers are exposed to more health risks, have less access to health care and a lower health status. The de facto coverage rate for the Chinese population (including migrant workers) was calculated to be 81.19% in 2011 and 82.16% in 2020. The goals of the Chinese Communist Party (90% in 2011 and nearly 100% in 2020) are hence not reached. The study closes with a "Summary and conclusion, a "Boundaries and discussion" and an "Outlook" section.

Author : Institute of Medicine,Board on Health Care Services,Committee on the Consequences of Uninsurance
Publisher : National Academies Press
Page : 204 pages
File Size : 49,9 Mb
Release : 2001-10-27
Category : Medical
ISBN : 9780309076098

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Coverage Matters by Institute of Medicine,Board on Health Care Services,Committee on the Consequences of Uninsurance Pdf

Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.

Author : Alexander S Preker,Marianne M Lindner,Dov Chernichosky,Onno P Schellekens
Publisher : Unknown
Page : 128 pages
File Size : 49,9 Mb
Release : 2014-05-19
Category : Electronic
ISBN : 1299705731

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Scaling Up Affordable Health Insurance by Alexander S Preker,Marianne M Lindner,Dov Chernichosky,Onno P Schellekens Pdf

Scaling Up Affordable Health Insurance: Staying the Course is the fifth volume in a series of in-depth reviews 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. Success in improving access and financial protection through community and private voluntary health insurance have led many countries to attempt to make membership compulsory and to offer subsidized insurance through the public sector. The protagonists are divided into several camps; from supporters of health insurance to opponents or skeptics. Today many low- and middle-income countries are no longer listening to this dichotomized debate between vertical and horizontal approaches to health care. Instead, they are experimenting with new and innovative approaches to health care financing. Health insurance is becoming a new paradigm for reaching the Millennium Development Goals. The research for this volume shows that when properly designed and coupled with public subsidies, health insurance can contribute to the well-being of poor and middle-class households, not just the rich. And it can contribute to development goals such as improved access to health care, better financial protection against the cost of illness, and reduced social exclusion. The book is organized into three main parts. Major policy directions in financing health care are discussed in Part 1, with a particular focus on the pre-conditions for scaling up. Part 2 moves from theory to practice with overviews and country level studies on health insurance development. Finally, part 3 highlights the implementation challenges.

Author : Colin Aislabie,Jeffrey Ralph James Richardson
Publisher : Unknown
Page : 76 pages
File Size : 46,8 Mb
Release : 1976
Category : Health insurance
ISBN : 0725902396

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Economic Theory and the Theory of Health Insurance by Colin Aislabie,Jeffrey Ralph James Richardson Pdf

Author : Maria-Luisa Escobar,Charles C. Griffin,R. Paul Shaw
Publisher : Rowman & Littlefield
Page : 239 pages
File Size : 45,9 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 : Paolo Belli
Publisher : World Bank Publications
Page : 38 pages
File Size : 55,7 Mb
Release : 2001
Category : Adverse selection (Insurance)
ISBN : 8210379456XXX

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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.

Author : Akiko Maeda,Edson Correia Araujo,Cheryl Cashin,Joseph Harris,Naoki Ikegami,Michael Reich
Publisher : World Bank Publications
Page : 75 pages
File Size : 54,5 Mb
Release : 2014-07-10
Category : Medical
ISBN : 9781464802973

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Universal Health Coverage for Inclusive and Sustainable Development by Akiko Maeda,Edson Correia Araujo,Cheryl Cashin,Joseph Harris,Naoki Ikegami,Michael Reich Pdf

The book synthesizes the experiences from Bangladesh, Brazil, France, Ethiopia, Ghana, Indonesia, Japan, Peru, Thailand, Turkey and Vietnam in implementing policies to achieve and sustain Universal Health Coverage. The study focuses on three aspects of UHC reforms: political economy, health financing, and human resources for health.

Author : Amy Finkelstein
Publisher : Columbia University Press
Page : 161 pages
File Size : 47,9 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