• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>Financial market trends >Private Health Insurance in OECD Countries The Benefits and Costs for Individuals and Health Systems
【24h】

Private Health Insurance in OECD Countries The Benefits and Costs for Individuals and Health Systems

机译：经合组织国家的私人健康保险个人和卫生系统的收益和成本

获取原文
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

Governments often look to private health insurance (PHI) as a possible means of addressing some health system challenges. For example, they may consider enhancing its role as an alternative source of health financing and a way to increase system capacity, or promoting it as a tool to further additional health policy goals, such as enhanced individual responsibility. In some countries policy makers regard PHI as a key element of their health coverage systems. While private health insurance represents, on average, only a small share of total health funding across the OECD area, it plays a significant role in health financing in some OECD countries and it covers at least 30 per cent of the population in a third of the OECD members. It also plays a variety of roles, ranging from primary coverage for particular population groups to a supporting role for public systems. This paper assesses evidence on the effects of PHI in different national contexts and draws conclusions about its strengths and weaknesses. Private health insurance presents both opportunities and risks for the attainment of health system performance goals. For example, in countries where PHI plays a prominent role, it can be credited with having injected resources into health systems, added to consumer choice, and helped make the systems more responsive. However, it has also given rise to considerable equity challenges in many cases and has added to health care expenditure (total, and in some cases, public) in most of those same countries. PHI also raises certain challenges that cut across its different roles. Policymakers will need to intervene to address market failures in order to assure PHI access for high-risk groups. In doing so, they can choose from a range of tools. They need to balance the sometimes competing goals of access and the maintenance of a broad and diverse pool of covered lives, particularly in voluntary markets.%Certains gouvernements voient dans l'assurance maladie privée un moyen de relever quelques-uns des défis liés aux systèmes de santé. Par exemple, certains envisagent de promouvoir son rôle de source de financement de substitution, de l'utiliser pour accroître les capacités du système, ou encore de la faire contribuer à la réalisation d'autres objectifs de la politique de santé, tels que le renforcement de la responsabilité individuelle. Dans certains pays, les décideurs considèrent l'assurance maladie privée comme un élément fondamental du système de couverture maladie.
机译：各国政府经常将私人医疗保险（PHI）视为应对某些医疗系统挑战的可能手段。例如，他们可能考虑增强其作为卫生筹资的替代来源的作用以及增加系统能力的方法，或者将其作为实现其他卫生政策目标（例如增强个人责任）的工具进行推广。在某些国家，政策制定者将PHI视为其医疗保险体系的关键要素。虽然私营医疗保险平均仅占经合组织地区卫生筹资总额的一小部分，但它在一些经合组织国家中在卫生筹资中发挥着重要作用，在至少三分之一的人口中覆盖了至少30％的人口。经合组织成员。它还扮演着各种角色，从特定人群的主要覆盖范围到公共系统的辅助角色。本文评估了有关PHI在不同国家背景下的影响的证据，并得出了有关PHI优缺点的结论。私人健康保险为实现卫生系统绩效目标带来机遇和风险。例如，在PHI扮演重要角色的国家中，可以认为将PHI投入了资源到卫生系统中，增加了消费者的选择，并有助于提高系统的响应速度。但是，在许多情况下，这也带来了相当大的公平挑战，并增加了大多数相同国家中的医疗保健支出（在某些情况下是公共支出）。 PHI还提出了跨越其不同角色的某些挑战。决策者将需要进行干预以解决市场失灵，以确保高风险群体可以使用PHI。这样，他们可以从一系列工具中进行选择。他们需要权衡有时相互竞争的获取和维持广泛多样的保障性生活的目标，尤其是在自愿市场中。％的确能确保人身安全和健康的保障德桑特。例如，某些替代品的设想者，系统的能力利用者，系统的公平贡献者，以及政治上的正义的贡献者，电话个人责任。保证人付出代价，保证人健康的制度得到了国家最高法院的认可。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号