MERTL, Jan. Private prepaid health financing schemes' role in health system. In Vrabcová, J. The 10th International Scientific Conference Relik 2017. Praha: VŠE. p. 297-304. ISBN 978-80-245-2238-8. 2017.
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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
Authors MERTL, Jan.
Edition Praha, The 10th International Scientific Conference Relik 2017, p. 297-304, 8 pp. 2017.
Publisher VŠE
Other information
Original language Czech
Type of outcome Proceedings paper
Field of Study Economics
Country of publisher Czech Republic
Confidentiality degree is not subject to a state or trade secret
Publication form electronic version available online
Organization unit University of Finance and Administration
ISBN 978-80-245-2238-8
Keywords (in Czech) prepaid programs, health insurance, health system
Keywords in English prepaid programs; health insurance; health system
Tags AR 2017-2018, xD2
Tags International impact, Reviewed
Changed by Changed by: Bc. Jan Peterec, učo 24999. Changed: 6/2/2018 08:53.
Abstract
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.
Abstract (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.
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