D
2017
Private prepaid health financing schemes' role in health system
MERTL, Jan
Basic information
Original name
Private prepaid health financing schemes' role in health system
Name in Czech
Soukromá předplacená schémata ve zdravotnictví
Name (in English)
Private prepaid health financing schemes' role in health system
Edition
Praha, The 10th International Scientific Conference Relik 2017, p. 297-304, 8 pp. 2017
Other information
Type of outcome
Stať ve sborníku
Country of publisher
Czech Republic
Confidentiality degree
není předmětem státního či obchodního tajemství
Publication form
electronic version available online
Organization unit
University of Finance and Administration
Keywords (in Czech)
prepaid programs, health insurance, health system
Keywords in English
prepaid programs; health insurance; health system
Tags
International impact, Reviewed
V originále
One of main obstacles with private financing of health care is the dependency of common insurance product on medical underwriting and pre-existing conditions. In countries like Czechia, where universal health care system exists, this ensures necessary solidarity between healthy and sick citizens and financing objectively needed health care. Suggesting private coinsurance to supplement this system may work for some scenarios but many clients and life situations will be excluded from real possibilities to use it. Therefore, we discuss possible role for prepaid schemes that are independent of health status at the time of buying and provide flexible options for clients that want to allocate their private resources for care above the universally needed and available standard. Although they are not able to cover up for classic insurance scenarios – covering random insurance events usually with high costs, they are able to provide treatment programs that will supplement standard therapeutic and preventive care.
In English
One of main obstacles with private financing of health care is the dependency of common insurance product on medical underwriting and pre-existing conditions. In countries like Czechia, where universal health care system exists, this ensures necessary solidarity between healthy and sick citizens and financing objectively needed health care. Suggesting private coinsurance to supplement this system may work for some scenarios but many clients and life situations will be excluded from real possibilities to use it. Therefore, we discuss possible role for prepaid schemes that are independent of health status at the time of buying and provide flexible options for clients that want to allocate their private resources for care above the universally needed and available standard. Although they are not able to cover up for classic insurance scenarios – covering random insurance events usually with high costs, they are able to provide treatment programs that will supplement standard therapeutic and preventive care.
Displayed: 24/12/2024 13:10