Private Voluntary Health Insurance in Development

Friend Or Foe?

Author: Alexander S. Preker,Richard M. Scheffler,Mark C. Bassett

Publisher: World Bank Publications

ISBN: 0821366203

Category: Business & Economics

Page: 424

View: 5029

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.

Private Voluntary Health Insurance

Consumer Protection and Prudential Regulation

Author: Greg Brunner,Pablo Gottret,Birgit Hansl,Vijayasekar Kalavakonda,Somil Nagpal,Nicole Tapay

Publisher: World Bank Publications

ISBN: 082138757X

Category: Business & Economics

Page: 130

View: 3559

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.

Global Marketplace for Private Health Insurance

Strength in Numbers

Author: Alexander S. Preker,Peter Zweifel,Onno P. Schellekens

Publisher: World Bank Publications

ISBN: 9780821376775

Category: Business & Economics

Page: 528

View: 9227

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.

Health Financing for Poor People

Resource Mobilization and Risk Sharing

Author: Alexander S. Preker,Guy Carrin

Publisher: World Bank Publications

ISBN: 0821355252

Category: Medical

Page: 446

View: 7794

One of the most urgent development challenges facing many low and middle income countries is the need for adequate financing systems to pay for health care provision to the estimated 1.3 billion impoverished people living in rural areas or working in the informal sector in urban areas. This publication considers ways of improving the financing of health care at low income levels, as part of a global strategy for increased investment in health and poverty reduction. Topics discussed include: global and regional trends in healthcare financing; strengths and weaknesses of community-based health financing, and experiences in Asia and Africa; country case studies using household survey analysis from Senegal, Rwanda, India and Thailand; deficit financing; and the impact of risk sharing on achieving health system goals.

Global Marketplace for Private Health Insurance

Strength in Numbers

Author: Alexander S. Preker,Peter Zweifel,Onno P. Schellekens

Publisher: World Bank Publications

ISBN: 9780821376775

Category: Business & Economics

Page: 528

View: 4700

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.

Voluntary Health Insurance in Europe

Country Experience

Author: Anna Sagan,Sarah Thomson

Publisher: World Health Organization

ISBN: 9789289050371

Category: Business & Economics

Page: 177

View: 7250

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, summarizes 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.

Government-Sponsored Health Insurance in India

Are You Covered?

Author: Gerard La Forgia,Somil Nagpal

Publisher: World Bank Publications

ISBN: 0821396196

Category: Business & Economics

Page: 442

View: 4986

This book presents the first comprehensive review of all major government-supported health insurance schemes in India and their potential for contributing to the achievement of universal coverage in India are discussed.

Governing Mandatory Health Insurance

Learning from Experience

Author: William D. Savedoff,Pablo Enrique Gottret

Publisher: World Bank Publications

ISBN: 0821375490

Category: Business & Economics

Page: 277

View: 4621

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Voluntary Health Insurance in Europe

Role and Regulation

Author: Anna Sagan,Sarah Thomson

Publisher: World Health Organization

ISBN: 9789289050388

Category: Business & Economics

Page: 136

View: 5939

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.

The Impact of Health Insurance in Low- and Middle-Income Countries

Author: Maria-Luisa Escobar,Charles C. Griffin,R. Paul Shaw

Publisher: Brookings Institution Press

ISBN: 9780815705611

Category: Social Science

Page: 232

View: 358

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.

Private Medical Insurance in the United Kingdom

Author: S. Thomson,E. Mossialos

Publisher: N.A

ISBN: N.A

Category: Medical

Page: 103

View: 7992

This study provides a descriptive overview of the market for supplementary voluntary health insurance (VHI), or private medical insurance (PMI), in the United Kingdom. The structure of the study reflects the three principal dimensions of the market: the product, demand, and supply. An appendix discusses the market for health cash plans.

Voluntary health insurance in the European Union

Author: Elias Mossialos,Sarah Thomson,Reinhard Busse,European Observatory on Health Systems and Policies,World Health Organization

Publisher: N.A

ISBN: 9789289010658

Category: Health insurance

Page: 206

View: 4441

Going Universal

How 24 Developing Countries are Implementing Universal Health Coverage from the Bottom Up

Author: Daniel Cotlear,Somil Nagpal,Owen Smith,Ajay Tandon,Rafael Cortez

Publisher: World Bank Publications

ISBN: 146480611X

Category: Medical

Page: 286

View: 5351

This book is about 24 developing countries that have embarked on the journey towards universal health coverage (UHC) following a bottom-up approach, with a special focus on the poor and vulnerable, through a systematic data collection that provides practical insights to policymakers and practitioners. Each of the UHC programs analyzed in this book is seeking to overcome the legacy of inequality by tackling both a “financing gap†? and a “provision gap†?: the financing gap (or lower per capita spending on the poor) by spending additional resources in a pro-poor way; the provision gap (or underperformance of service delivery for the poor) by expanding supply and changing incentives in a variety of ways. The prevailing view seems to indicate that UHC require not just more money, but also a focus on changing the rules of the game for spending health system resources. The book does not attempt to identify best practices, but rather aims to help policy makers understand the options they face, and help develop a new operational research agenda. The main chapters are focused on providing a granular understanding of policy design, while the appendixes offer a systematic review of the literature attempting to evaluate UHC program impact on access to services, on financial protection, and on health outcomes.

Handbook of Micro Health Insurance in Africa

Author: Gerald Leppert

Publisher: LIT Verlag Münster

ISBN: 3643901712

Category: Medical

Page: 457

View: 6654

Micro health insurance is an emerging concept to reduce poverty and social exclusion and improve health care access. The Handbook of Micro Health Insurance in Africa gives an overview of the challenges and needs in the field of micro health insurance. Focusing on Sub-Saharan Africa, where universal social health protection still has a way to go, the Handbook provides an introduction to the relatively new and promising approach of micro insurance as a risk management tool for low-income households, between the market, self-help, and the state. This book is an output of the project Pro MHI Africa, which is funded by the European Union and directed by the University of Cologne in cooperation with the University of Botswana, the University of Ghana, and the University of Malawi. (Series: Social Protection in Health. Challenges, Needs and Solutions in International Health Care Financing - Vol. 1)

Public Ends, Private Means

Strategic Purchasing of Health Services

Author: Alexander S. Preker

Publisher: World Bank Publications

ISBN: 0821365487

Category: Medical

Page: 414

View: 6808

Great progress has been made in recent years in securing better access and financial protection against the cost of illness through collective financing of health care. Managing scarce resources effectively and efficiently is an important part of this story. Experience has shown that, without strategic policies and focused spending, the poor are likely to get left out. The use of purchasing to enhance public sector performance is well-documented in other sectors. Extension to the health sector of lessons from this experience is now successfully implemented in many developing countries. Public.

Scaling Up Affordable Health Insurance

Staying the Course

Author: Alexander S. Preker,Marianne E. Lindner,Dov Chernichovsky,Onno P. Schellekens

Publisher: World Bank Publications

ISBN: 0821385798

Category: Business & Economics

Page: 778

View: 5360

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.

Universal Health Coverage for Inclusive and Sustainable Development

A Synthesis of 11 Country Case Studies

Author: Akiko Maeda,Edson Araujo,Cheryl Cashin,Joseph Harris,Naoki Ikegami,Michael R. Reich

Publisher: World Bank Publications

ISBN: 146480298X

Category: Medical

Page: 72

View: 1839

The goals of universal health coverage (UHC) are to ensure that all people can access quality health services, to safeguard all people from public health risks, and to protect all people from impoverishment due to illness, whether from out-of-pocket payments for health care or loss of income when a household member falls sick. Countries as diverse as Brazil, France, Japan, Thailand, and Turkey have shown how UHC can serve as vital mechanisms for improving the health and welfare of their citizens, and lay the foundation for economic growth and competitiveness grounded in the principles of equity and sustainability. Ensuring universal access to affordable, quality health services will be an important contribution to ending extreme poverty by 2030 and boosting shared prosperity in low-income and middle-income countries (LMICs), where most of the world's poor live. The book synthesizes the experiences from 11 countries – Bangladesh, Brazil, France, Ethiopia, Ghana, Indonesia, Japan, Peru, Thailand, Turkey and Vietnam – in implementing policies and strategies to achieve and sustain UHC. These countries represent diverse geographic and economic conditions, but all have committed to UHC as a key national aspiration and are approaching it in different ways. The study examined the UHC policies for each country around three common themes: (i) the political economy and policy process for adopting, achieving, and sustaining UHC; (ii) health financing policies to enhance health coverage; and (iii) human resources for health policies for achieving UHC. The findings from these country studies are intended to provide lessons that can be used by countries aspiring to adopt, achieve, and sustain UHC. Although the path to UHC is specific to each country, countries can benefit from the experiences of others in learning about different approaches and avoiding potential risks.

World Scientific Handbook Of Global Health Economics And Public Policy (A 3-volume Set)

Author: Scheffler Richard M

Publisher: World Scientific

ISBN: 9814612332

Category: Health & Fitness

Page: 1628

View: 6549

This Handbook covers major topics in global health economics and public policy and provides a timely, systematic review of the field. Edited by Richard M Scheffler, Distinguished Professor of Health Economics and Public Policy and Director of the Global Center for Health Economics and Policy Research at the University of California, Berkeley, the Handbook features academics and practitioners from more than a dozen countries. Contributors are from the London School of Economics and Political Science, Pompeu Fabra University in Barcelona, University of York, University of Oslo, London School of Hygiene and Tropical Medicine, University of California - Berkeley, Stanford University, Johns Hopkins University, University of Toronto, University of Oxford, Harvard Medical School, OECD, the World Health Organization and the World Bank, many of whom have also acted as economic and policy advisors to government and non-governmental organizations across the world. Experts in these areas who provide critical analyses and relevant data for further exploration and research include: Thomas E Getzen, Executive Director of the International Health Economics Association (iHEA); Douglas E Hough, Associate Scientist and Associate Director of the Master in Healthcare Management programme at the Bloomberg School of Public Health of John Hopkins University; Guillem López-Casasnovas, former President of iHEA and member of the Advisory Council of the Spanish Health and Social Welfare Ministry and of the Advisory Council of the Catalan Health Ministry since 1984; Alistair McGuire, Professor of Health Economics at the London School of Economics and Political and advisor to a number of governments and governmental bodies across Europe; Tor Iversen, Research Director at the Health Economics Research Programme at the University of Oslo and former member of the iHEA Arrow Award Committee 2007-2011; William H Dow, Professor and Associate Dean for Research at University of California ,Berkeley and former Senior Economist for the Council of Economic Advisors (White House); Audrey Laporte, the Director of the Canadian Centre for Health Economics; Alexander S Preker, President and CEO of Health Investment & Financing Corporation; Ayda Yurekli, who initiated and developed the World Health Organization TaXSiM simulation model that has been used by many Ministries of Finance around the world for the development of tax policies; Marko Vujicic, Managing Vice President of the Health Policy Resources Center at the American Dental Association; Mark Sculpher, Director of the Programme on Economic Evaluation and Health Technology Assessment at the University of York and former President of the International Society of Pharmacoeconomics and Outcomes Research (ISPOR) (2011-2012); and Peter Berman, who has had almost 40 years of experience in global health and was formerly a Lead Health Economist at the World Bank. The Handbook spans across three volumes. The chapters deal with key global issues in health economics, are evidence-based, and offer innovative policy alternatives and solutions. The Handbook's approach toward global health economics and public policy will make it a useful resource for health economists, policymakers, private sector companies, NGOs, government decision-makers and those who manage healthcare systems.

Social Health Insurance for Developing Nations

Author: R. Paul Shaw

Publisher: World Bank Publications

ISBN: 0821369504

Category: Business & Economics

Page: 172

View: 5163

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.