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This paper estimates the monetary value of financial risk reduction associated with membership in Ghana's National Health Insurance Scheme, based on recent national household survey data. The paper compares the risk premiums for distributions of out-of-pocket healthcare expenditures with and without insurance and find that the difference is small. This does not mean that the National Health Insurance Scheme has no value to members. Indeed, the findings show that the insured pay significantly less for healthcare than the uninsured on average. But that average reduction does not translate into a reduced spread of consumption net of out-of-pocket healthcare expenditures. Thus, the benefit of the National Health Insurance Scheme is entirely a transfer benefit, not a reduction in financial risk.
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Health insurance --- Health insurance --- Health insurance --- Health insurance --- Health insurance
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Health insurance is the mechanism used to cover medical expenses for illness, injuries, and other health conditions. There are a variety of health insurance systems in the world. A major challenge for low- and middle-income countries is the provision of universal health coverage (UHC), which is the United Nations' Sustainability Development Goal Target 3.8.This book examines issues of providing UHC in different health systems around the world, with examples from the Philippines, Portugal, Nigeria, Slovenia, and the United States.
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La décentralisation des services de santé, c'est-à-dire le transfert du pouvoir et de la responsabilité de l'État central au niveau local, devrait être bénéfique aux pauvres à condition que les ressources, l'obligation de rendre des comptes et la gouvernance locales soient satisfaisantes.
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Die langfristige Finanzierung des gesetzlichen Gesundheitssystems ist aufgrund des bevorstehenden doppelten Alterungsprozesses und des medizinisch-technischen Fortschritts massiv gefährdet. Der Autor quantifiziert unter Anwendung der Methode der Generationenbilanzierung die langfristige finanzielle Schieflage des gesamten Staatshaushalts unter besonderer Berücksichtigung gesundheitsspezifischer Faktoren. Darüber hinaus werden auch die Nachhaltigkeitskonsequenzen sowie die intergenerativen Verteilungswirkungen aktueller Gesundheitsreformmodelle (GKV-Modernisierungsgesetz, Freiburger Agenda, Kopfpauschale und Bürgerversicherung sowie die vollständige Privatisierung) analysiert.--
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