...Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 This publication was produced for review by the United States Agency for International Development. It was prepared by Constella Futures, New Delhi ITAP is a three-year project funded by United States Agency for International Development under Contract No. GPO-1-01-0400015-00 beginning April 1, 2005_ The project is being implemented by Constella Futures in partnership with Bearing Point, Sibley International, Johns Hopkins University, QED, Urban Institute and Association of Reproductive Health Professionals (ARHP). For further information contact: Constella Futures 1 D-11, Parkwood Estates Rao Tula RamMarg New Delhi 1100 022 Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 The authors' views expreseed in this publication do not necessarily reflect the views of the United States Agency for International Development or the United States Government Contents List of Tables List of Figures List of Abbreviations Executive Summary Chapter 1: Background and Methodology .......................................................... 1.1 Introduction... 1.2 Objectives of the Study ................................. 1.3 Study Design and Methodology ....................................................................... 1.3.1 Sampling and Sample 1.3.2 Study techniques ..............................................
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...STUDY ON PUBLIC SPONSORED HEALTH INSURANCE SCHEMES IN INDIA Abstract The main of this study is to analyse the public sponsored health insurance models in India. The main aim of government sponsored health insurance schemes is to assist the BPL families in catastrophic health expenditure and thereby provide them access to quality health care. This report goes through the working procedure of health insurance schemes, especially Rajiv Aarogyasri (Andhra Pradesh), Vajpayee aarogyasri (Karnataka) and Chief Ministers Comprehensive health insurance scheme (Tamil Nadu) and analyse how far they succeeded in their respective aims. Introduction Health insurance as a measure to uplift the living standard and improve the status of the poor has become popular recently in India. The health care system in India was dominated by private sector, which accounts for about 60% of hospitalisation and 80% of outpatient treatment as per NSSO survey on health care (60th round). This can lead to huge out of pocket expenditure by households on health care. Even though the idea of health insurance was an earlier concept, to use this as a measure to ease the burden on health expenditure by public (especially the poor) became popular from last five-six years, when both central and State governments introduced various publically funded health insurance schemes. This is evident from the fact that there is a steep increase in population covered under insurance from 75 million in 2007 to 302 million in...
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...Issue description: “The social organisation of health care, concerns the way a particular society organises. funds, and utilises its health services. A central focus on the dominant role of the medical profession, which has significantly shaped health policy and health funding to benefit its own interests” (Germov 2009, pg 18-19 para 5) Doctors who support the medical profession for private health insurance benefit by maximising their profits with the “No Gap” incentive that private health insurance offers to their clients, Doctors are being encouraged to charge more then the scheduled fee however based on the marxism theory only those who can afford private health insurance benefit from such services. Low income workers are limited to health care options due to the rise in household bills, making private health insurance difficult to afford. In private health doctors are able to charge their patients their own fee for services/medical consultations etc. Medicare will pay 75% which is known as the “schedule fee” , private health insurance will cover the 25% gap. However the AMA actually encourage doctors to charge more then schedule fee, allowing the doctors to make profit by those who can afford to pay for these consultations. Until recently private health insurance companies were restricted by law to cover the “gap” fee making the patient having to pay the 25% out of pocket. Now every health fund must offer at least one “no gap” or “known gap” policy. Gap cover is only...
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...Health Status and Health Care Services in Germany With Comparison to the United States Petra Stewart HSM 310 Tammy Cagle February 20, 2011 Health care Insurance is one of the most debated topics in the country today due to ever rising costs and the lack of coverage for the patient. The are halth plans in other countries which work for their population that the United States could take a look at to enquire if leaning towards their plans would be a step into the right direction for the United States. Germany for example has a well working social system and private insurance system that provides excellent care of their population. Germany is able to provide good health insurance to any citizen in the country from the moment they are born. The Insurance Company has a liaison in the hospital that will prepare all needed forms and paperwork to give to the mother the day after she gives birth to her child. The only thing “Mom” has to do is sign the paperwork and continue to rest. The hospital and the insurance company are taking care of the all the paperwork and fine print for the new mother. From this point forward, the newborn citizen can be treated like every other citizen in the country. Tests are being completed and immunizations are given as needed. When the new family goes home, there are no worries about outrageous hospital bills, and battles the insurance company over coverage. Health Insurance in Germany is part of the Social Security System and works closely...
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...INTRODUCTION Health insurance is fast emerging as an important mechanism to finance health care needs of the people. Healthcare Insurance Market in India is unique and has a strong growth potential than the other insurance markets. Life insurance includes all risks related to the lives of human beings. IRDA (Insurance Regulatory and Development Authority) allowed to the customer to change their insurance company in case of dissatisfaction with company. Health insurance portability gives the flexibility to the customer and increase the fair competition among companies. The concept of Portability is new in India so the awareness and perception towards portability of customers depends on several factors. The study covers all the fundamental aspects of awareness and customer preference towards healthcare insurance portability in India. The objective of this study is therefore to examine some of the influences such as consumer awareness and enthusiasm, the role of social influences like advertising, services provided by company, groups and family in affecting consumer’s perception and evaluations of health insurance. The need for an insurance system that works on the basic principle of pooling of risks of unexpected costs of persons falling ill and needing hospitalization by charging premium from a wider population base of the same community. In the present scenario the annual expenditure on health in India amounts to about $7.00 in rural areas and $10.00 in urban areas...
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...Session 9: Case Study – Valérie 1) Read pages 7 to 13 of the document: “The compulsory health insurance in Switzerland: Your questions, our answers” 2) Read the Document “Global” of the Groupe Mutuel 3) Calculate the overall medical expenses of Valérie: a. Team 1: Valerie has Base insurance and a Global Private Supplemental Insurance. (calculate for all deductibles) b. Team 2: Valerie has Prima care insurance and a Global 1 Supplemental Insurance. (calculate for all deductibles) c. Team 3: Valerie has Health Network insurance and a Global 2Supplemental Insurance. (calculate for all deductibles) d. Team 4: Valerie has Sanatel and a Global 3 Supplemental Insurance. (calculate for all deductibles) e. Team 5: Valerie has Sanatel and a Global Demi-Private Supplemental Insurance. (calculate for all deductibles) These are the tariffs for basic and supplemental health insurance | |Deductible CHF | | |300 |500 |1000 |1500 |2000 |2500 | |Base insurance |314.4 |303.6 |276.4 |249.3 |222.2 |195.1 | |PrimaCare |286.1 |275.3 |248.2 |221 |202.4 |183.8 | |Health Network ...
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... HEALTH INSURANCE Mrs.S.Gnana Sugirtham, Lecturer, Department of Commerce, Avinashilingam Institute for Home Science and Higher Education for Women, Coimbatore – 641 043. Email ID:sugistephen@gmail.com. Introduction Over the last 50 years India has achieved a lot in terms of health improvement. But still India is way behind many fast developing countries such as China, Vietnam and Sri Lanka in health indicators (Satia et al 1999). In case of government funded health care system, the quality and access of services has always remained major concern. A very rapidly growing private health market has developed in India. This private sector bridges most of the gaps between what government offers and what people need. However, with proliferation of various health care technologies and general price rise, the cost of care has also become very expensive and unaffordable to large segment of population. The government and people have started exploring various health financing options to manage problems arising out of growing set of complexities of private sector growth, increasing cost of care and changing epidemiological pattern of diseases. The new economic policy and liberalization process followed by the Government of India since 1991 paved the way for privatization of insurance sector in the country. Health insurance, which remained highly underdeveloped and a less significant segment of the product portfolios of the nationalized insurance companies in India,...
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...NBER WORKING PAPER SERIES HEALTH CARE FINANCING, EFFICIENCY, AND EQUITY Sherry A. Glied Working Paper 13881 http://www.nber.org/papers/w13881 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 March 2008 I thank Courtney Ward for research assistance and participants at the conference on Exploring Social Insurance, held in Toronto, November 2006. A version of this paper is forthcoming as a chapter in Exploring Social Insurance: Can a Dose of Europe Cure Canadian Health Care Finance? Edited by C. M. Flood, M. Stabile and C. Hughes Tuohy (Kingston, Montreal: Queen's School of Policy Studies, McGill-Queen's University Press). The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peerreviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Sherry A. Glied. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Health Care Financing, Efficiency, and Equity Sherry A. Glied NBER Working Paper No. 13881 March 2008 JEL No. H42,H51,I18 ABSTRACT This paper examines the efficiency and equity implications of alternative health care system financing strategies. Using data across...
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...Comparison of U.S. and Canadian Health Care Systems Quinn Sullivan California State University East Bay Abstract Health care is an essential service needed by citizens. As a result, the government plays an important role by designing an appropriate health care system for its citizens. In this paper, a comparison between the health care system in the U.S. and Canada has been made. Using various literary sources, the comparison has been done considering the four components of health care services delivery; financing, insurance, delivery, and payment. The findings indicate that the health care system in the U.S. is expensive but more efficient than the single-payer health care system in Canada. The findings have further been analyzed to ascertain its implications on the U.S. citizens, as well as the Canadians. The paper concludes that the health care system in the U.S. does not favor the middle-class earners, and thus recommends an improved system. Table of Contents Abstract 2 Table of Contents 3 1. Introduction 4 2.1 Health Care Delivery ...5 2.2 The Cost of Health Care and Administrative Overheads 6 2.3 Health Insurance 6 2.4 Funding 7 3. Analysis of Findings 8 4. Conclusion 9 5. Recommendations 10 6. References 11 1. Introduction Health care is among the basic needs of human beings. The need is not discriminative because everyone has an equal chance of...
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...Health care Markets Ashley Jackson HSA 510 Strayer University Professor Renita Blake Health care Markets Analyses of the Health care delivery system The United States has no special type of nationwide system of the health care delivery. In order to obtain health care insurance, the individuals must buy it in the private marketplace, or it is given to them by the government. Part of the traditional health insurance plans, permits the unrestricted selection of the health care provider and compensates on the fee for the service basis, recently, it covers less than 30% of all the employees. There are basically two kinds of MCOs: Health Maintenance organizations and Preferred Provider Organizations. About 70% of the employees registered in MCOs. HMO is the health care delivery system that associates the insurer and producer operations. PPOs are the third party payer that provides financial incentives like low out of pocket prices, to registers who achieve medical care form the preset sequence of physicians and hospitals. The Medicare plan contains two parts: Part A is necessary and gives the health insurance coverage for the inpatient hospital concern, very limited nursing home services and some of the home health services. Part B the willingly or supplemental plan gives the advantages for the physician services, outpatient hospital services and the home health services. The US health care system is more expanded in terms of the production procedures...
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...It will provide the health insurance planning overview, general information regarding the organization, the existing group health insurance plan which provided by the employer (LHDNM), background of study, the problem statement, research objective, research question, hypothesis, and scope of study, limitation of study, significance of study and definition of terms. Firstly, the title of the research is “The Study on the Factors Influencing The Purchasing Behavior of Personal Health Insurance among The Inland Revenue Board of Malaysia‟s (LHDNM) Staff”. There are general overviews of the personal health insurance planning and the background of the organization. After that the researcher will discuss about the background of study, problem statement, research objective and research questions. Besides, the researcher will state hypothesis of the relationship between three independent variables. Then the researcher will attach the scope of study and limitation of study. The next part is the significant of the study and definition of term. 1 1.1 About health insurance planning Health insurance, like other forms of insurance, is a form of collectivism by means of which people collectively pool their risk, in this case the risk of incurring medical expenses. The collective is usually publicly owned or else is organized on a non-profit basis for the members of the pool, though in some countries health insurance pools may also be managed...
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...Billing/Book Report Jonathan Cohn’s “Sick presents case studies that demonstrate how America's current system causes even many middle class Americans serious financial or medical hardship. It lays out a history of health insurance in America and points to the record of systems abroad, particularly in France, as proof that universal coverage works. Cohn quickly dispenses with the common belief that it is the forty-plus million uninsured Americans who are the problem with our present system. It is our insurance itself that forms the biggest problem, an erratic problem that fails to provide needed health. Cohn methodically discusses each piece of the book one by one, using case histories to illustrate his points. He meet a few people with no insurance at all, a few with Medicare or Medicaid, and a few with good private policies. All are hard-working, well-intentioned, and startled that they have been punished, financially, emotionally, medically, or all three, for getting sick. What sets Cohn’s book apart from other compilations of sad stories is the comprehensive, dispassionate analysis he offers of the policy behind the tragedies. He provides a history of U.S. health insurance from the beginning up through the politicking behind Medicare and Medicaid in the 1960s, the rise and fall of health maintenance organizations (HMOs) in the 1990s, and the confused debut of last year’s Medicare Part D (for prescription drugs). I suspect that committed policy wonks might find...
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...Economic Studies Maison des Sciences de l'Homme Alternative Systems of Health Care Provision Author(s): Timothy Besley, Miguel Gouveia and Jacques Drèze Reviewed work(s): Source: Economic Policy, Vol. 9, No. 19 (Oct., 1994), pp. 199-258 Published by: Wiley on behalf of the Centre for Economic Policy Research, Center for Economic Studies, and the Maison des Sciences de l'Homme Stable URL: http://www.jstor.org/stable/1344496 . Accessed: 24/12/2012 16:11 Your use of the JSTOR archive indicates your acceptance of the Terms & Conditions of Use, available at . http://www.jstor.org/page/info/about/policies/terms.jsp . JSTOR is a not-for-profit service that helps scholars, researchers, and students discover, use, and build upon a wide range of content in a trusted digital archive. We use information technology and tools to increase productivity and facilitate new forms of scholarship. For more information about JSTOR, please contact support@jstor.org. . Wiley, Centre for Economic Policy Research, Center for Economic Studies, Maison des Sciences de l'Homme are collaborating with JSTOR to digitize, preserve and extend access to Economic Policy. http://www.jstor.org This content downloaded on Mon, 24 Dec 2012 16:11:43 PM All use subject to JSTOR Terms and Conditions Alternative systems of health care provision Timothy Besley and MiguelGouveia and of Princeton University University Pennsylvania 1. I[ntroduction Around the developed world, many health care systems...
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...for through government programs such as Medicare (for the elderly), Medicaid (for the very poor and disabled), and the Children’s Health Insurance Program (CHIP)for children, the American health care system can best be described as a patchwork of public and private programs (such as employer-based coverage). A mixture of public programs and private programs is common among nations that essentially cover all residents, but the American system is unique — and often uniquely inefficient in economic terms. Keywords Accessibility; Adverse Selection; HMO (Health Maintenance Organization); Medicaid; Medicare; Medicare Modernization Act of 2003 (Part D); Managed Care; "Play or Pay" State Health Care Tax Policies; Rationing Health Care; Single-Payer Health Care System; CHIP (Children’s Health Insurance Program); Socialized Medicine; Two-Tiered Health Care System; VA (United States Department of Veterans Affairs) The US Health Care System Social Issues Overview Health Care Systems The medical business defies the normal laws of economics in at least three important ways: * Government-run programs are often cheaper, more administratively efficient, and even of superior quality than privately-run programs at the national level. * Medical insurance functions poorly by market principles unless potential policy holders most in need of health insurance are either denied coverage or are denied the right to redeem policies — both of which result in high administrative costs;. *...
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...very much like health care program used in the United States. But unlike the United States, Germany also provides universal healthcare to all German citizens. German’s have the option of either using the government provided health programs or to obtain their own private health care insurance. The government provided universal healthcare also know as “sickness funds” which pay the doctors as well as hospitals certain rates that are under negotiation annually (Universal Health Care Systems). This program is funded by employers and employee’s by removing a mandated fee for payroll checks. Participants in the sickness funds’ programs have to pay a small co-pay for doctor visits and medications as well. Despite the assurance that they are covered medically in case anything shall happen to them, Germans are not happy with the current health care system. [2] Providing quality health care for all of Germany’s citizens has always been a priority in Germany. This was proven in 1883, when Germany became the first country in the world to mandate health insurance (DiPiero, 31). Germany believes that everyone should be able to share the same health insurance despite social status. [3] Germany’s health care system does have its plus side. In a recent study done by the World Health Organization’s statistics stated that “Germany has around 358 doctors per 100,000 inhabitants, well ahead of the US, with 279 and Canada, with 229.” (German Health System). Those...
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