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: 9260

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.

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: 358

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

Publisher: World Bank Publications

ISBN: 0821387561

Category: Business & Economics

Page: 130

View: 5958

Health insurance can offer protection against catastrophic medical expenses and improve access to health care. There are, however, imperfections in the insurance market that require intervention such as asymmetry of information between the policy holder and the insurance company, moral hazard that can occur on the side of the insured or the provider of health services, risk selection that may lead to cream skim a particular market, and others. To encourage the effective development of Voluntary Private Health Insurance, it will be necessary for policymakers to establish and enforce regulatory standards that will attempt to correct inefficiencies from market failures and that will achieve desired social objectives. This book is intended to help countries that are contemplating how to design and implement a legal framework for a private health insurance market. First, it provides an overview of private health insurance, the rationale for insurance regulation, and the institutions involved in administering insurance laws. It then reviews the key standards and protections that are often used in regulating private health insurance. As part of the discussion on regulatory standards, options for supervisors in certain areas where policy and regulation approaches vary will be noted. To illustrate international experience, examples of the regulation of private health insurance from several low, middle, and high-income countries will be drawn upon throughout the book.

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: 6222

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.

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: 4919

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.

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: 2690

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.

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: 8389

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Voluntary Health Insurance in Europe

Country Experience

Author: Anna Sagan,Sarah Thomson

Publisher: World Health Organization

ISBN: 9789289050371

Category: Business & Economics

Page: 177

View: 3810

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.

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: 5898

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.

Private Medical Insurance in the United Kingdom

Author: S. Thomson,E. Mossialos

Publisher: N.A

ISBN: N.A

Category: Medical

Page: 103

View: 7702

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.

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: 9493

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.

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: 6142

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.

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: 5970

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.

Social Health Insurance for Developing Nations

Author: R. Paul Shaw

Publisher: World Bank Publications

ISBN: 0821369504

Category: Business & Economics

Page: 172

View: 4849

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.

Public Ends, Private Means

Strategic Purchasing of Health Services

Author: Alexander S. Preker

Publisher: World Bank Publications

ISBN: 0821365487

Category: Medical

Page: 414

View: 8253

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.

Health Insurance Handbook

How to Make It Work

Author: Hong Wang,Kimberly Switlick,Christine Ortiz,Beatriz Zurita,Catherine Connor

Publisher: World Bank Publications

ISBN: 082138953X

Category: Business & Economics

Page: 136

View: 8699

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.

Risk-Based Supervision of Pension Funds

Emerging Practices and Challenges

Author: Greg Brunner,Roberto Rocha

Publisher: World Bank Publications

ISBN: 9780821374948

Category: Business & Economics

Page: 236

View: 3304

'Risk-Based Supervision of Pension Funds' provides a review of the design and experience of risk-based pension fund supervision in countries that have been leaders in the development of these methods. The utilization of risk-based methods originates primarily in the supervision of banks. In recent years it has increasingly been extended to other types of financial intermediaries, including pension funds and insurers. The trend toward risk-based supervision of pensions reflects an increasing focus on risk management in both banking and insurance based on three key elements: capital requirements, supervisory review, and market discipline. Although similar in concept to the techniques developed in banking, its application to pension funds has required modifications, particularly for defined contribution funds that transfer investment risk to fund members. The countries examined–Australia, Denmark, Mexico, and the Netherlands–provide a range of experience that illustrates both the diversity of pension systems and the approaches to risk-based supervision, and also presents a commonality of focus on sound risk management and effective supervisory outcomes.

Good Practices in Health Financing

Lessons from Reforms in Low and Middle-income Countries

Author: Pablo Enrique Gottret,George Schieber,Hugh Waters

Publisher: World Bank Publications

ISBN: 0821375121

Category: Medical

Page: 504

View: 2582

This volume focuses on nine countries that have completed, or are well along in the process of carrying out, major health financing reforms. These countries have significantly expanded their people's health care coverage or maintained such coverage after prolonged political or economic shocks (e.g., following the collapse ofthe Soviet Union). In doing so, this report seeks to expand the evidence base on "good performance" in health financing reforms in low- and middle-income countries. The countries chosen for the study were Chile, Colombia, Costa Rica, Estonia, the Kyrgyz Republic, Sri Lanka, Thailand, Tunisia, and Vietnam.

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: 7142