Important Points for IC 27 - Health Insurance Exam
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There are a lot of problems faced by the public healthcare system in India in rural areas such as lack of healthcare facilities, transportain, long distances, cost of services and discriminatory treatment to users.
An effective government regulatory mechanism and adequate public funding is required to operate health insurance mechanism in any country otherwise, it can pose a threat to equity and efficiency of health systems.
Commercial health insurance is also known as private health insurance is a health insurance taken by an individual, to provide coverage towards expenses incurred on their healthcare needs.
Long life medical care system: This plan was introduced in 1983 for the elderly person aged 75 and over. It also covers people aged 65 to 74 with certain certified disabilities. It is financed through a fixed nominal amount paid by the insured(10%), contributions from the other plans(40%) and general tax revenues (50%).
The main feathures of Chile system are as follows: The establishment of the National Health Fund to administer the social health insurance scheme, The establishment of Health insurance institutions, lsapres for the private sector players, The mandatory contribution by each employee and pensioner, equivalent to 7% of their wages towards healthcare system.
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