Financing Social Health Insurance: Challenges and Opportunities

8/9/2019 Financing Social Health Insurance: Challenges and Opportunities

1/15

Ifeddkglky egh Arrax{gmxmky

Evkd \kok

Nmgegimgl Yaimed Fkedxf Mgy{regik

Hmyidemjk0 Xfk ~mk|y kvrkyykh mg xfmy rerk!rkykgxexmag ek xfk ~mk|y an xfk e{xfa eghha gax gkikyyemd} kndkix xfk ~mk|y a radmimky an xfk Eymeg Hk~kdarjkgx Oegc &EHO-$ a mxyOaeh an La~kgay$ a xfk la~kgjkgxy xfk} krkykgx' EHO haky gax l{eegxkk xfk

eii{ei} an xfk hexe mgid{hkh mg xfmy rerk egh eiikrxy ga kyragymomdmx} na eg}iagyku{kgik an xfkm {yk' Xkjmgadal} {ykh je} gax gkikyyemd} ok iagymyxkgx |mxf EHO

annmimed xkjy'


2/15

Yx{ix{k Mgxah{ixmag

Xfk mgiajk ymhk Xfk kvrkghmx{k ymhk Okgknmxy egh Y{rrax ^ed{k

Xfk u{kyxmag an ku{mx} egh eiikyymomdmx}

Xfk u{kyxmag an jexifmgl mgiajk egh kvrkghmx{k$ iayxiagxad

Iagid{ymag


3/15

Mgxah{ixmag Jeg} ia{gxmky kikgxd} knajy an xfkm fkedxf iek nmgegimgl

y}yxkjy'

Jayxd} ifeglk naj yxexk nmgegikh xa iagxmo{xmag nmgegikhyifkjky'

Ymgik xfk Oejeca Mgmxmexm~k &[GMIKN$ \FA 5=6


4/15

Xfk Mgiajk Ymhk * Nmyied Yreik Mg jeg} hk~kdarmgl ia{gxmky$ e~emdeodk fkedxf n{ghmgl my el{eod} xaa

da|'

Xfk eomdmx} xa emyk ehhmxmaged n{ghy my xkjkh nmyied yreik' Lkgked xev k~kg{k je} gax ok y{nnmimkgx$ okie{yk r{odmi hkox my fmlf$

okie{yk xfk r{odmi eddaiexmag my gax knnkixm~k kga{lf a okie{yk xfkradmxmied |mdd xa {yk r{odmi n{ghy na fkedxf iek my gax xfkk'

Xfk eh~egxelk an {ymgl YFM ey nmgegimgl mgyx{jkgx my xfex xfk n{ghy xfexek iaddkixkh ek kejeckh'

Edya$ YFM my e |e} xa jeck edd rkardk re} eiiahmgl xa xfkm eomdmxmky'

Xfk kvrkmkgik my xfex edd ia{gxmky ieg ennah oeymi fkedxf raxkixmag na

edd' EHO Yaimed Raxkixmag Mghkv


5/15

Xfk Mgiajk Ymhk * Iagxmo{xmagy Jemg ya{ik an n{ghmgl an YFM ek iagxmo{xmagy'

{gm~kyed ndex exk3

hmnnkkgx na yrkimnmi la{ry &k'l' da|k rkjm{jy na da|*mgiajk la{ry$ |mxf a |mxfa{x e jkegy xkyx$ a hmnnkkgxiagxmo{xmagy eiiahmgl xa xfk e~emdeodk mgneyx{ix{k mg e

lkalerfmi klmag-3 |elk*kdexkh a mgiajk*kdexkh &yiedkh$ raraxmagexk$

ralkyym~k a klkyym~k$ |mxf a |mxfa{x e jmgmj{jrkjm{j a eg {rrk dmjmx-'

Iajjkimed Mgy{egik0 myc kdexkh egh n{ghkh

YFM0 re} ey }a{ la


6/15

Xfk Mgiajk Ymhk Ia*Re}jkgxy ndex exk &rk he}$ rk mxkj$ rk rkyimrxmag-3

rkikgxelk ia*re}jkgx &e ikxemg rkikgxelk an xfk rmik a nkk-3

kvikyy re}jkgx$ jkegmgl xfex xfk mgy{egik re}y {r xa e dmjmxagd}$ |mxf xfk rexmkgx re}mgl eg} eja{gx ifelkh o} xfk ra~mhkmg kvikyy an xfk jevmj{j eja{gx &rmik a nkk- kmjo{ykh o}xfk fkedxf mgy{egik3

eg} an xfk eoa~k arxmagy y{o`kix xa e jevmj{j eja{gx rk }ke&yxar*dayy-$ ok}agh |fmif xfk mgy{egik ia~ky xfk iayxy'

Mg jeg} hk~kdarmgl ia{gxmky$ ennaheodk ia*re}jkgxy jkeg ekjeceodk mjra~kjkgx an xfk nmgegimgl reixmik naj xfk ramgxan ~mk| an xfk rexmkgx'

Mg jeg} ia{gxmky fkedxf mgy{egik |a{dh jkeg e je`a ralkyymn agd} mx dkehy xa xegyrekgx rmimgl$ gax yrkecmgl an myc yfemgl'


7/15

Xfk Mgiajk Ymhk La{~kgjkgx

Y{oymhmky

y{oymhmky xa ia~k hknmimxy3

y{oymhmky xa ia~k iagxmo{xmagy &rexd} a kgxmkd}- ag okfedn an

ikxemg la{ry3

lkgked y{oymhmky ia~kmgl e ikxemg rkikgxelk a e nmvkh eja{gx

an xfk a~kedd iayxy3

y{oymhmky xa ia~k xfk iayx an ikxemg yk~miky ra~mhkh o} YFM3

y{oymhmky xa ia~k mgmxmed mg~kyxjkgx a yxex*{r iayxy an YFM'

Yxexk y{oymhmky fe~k oaxf eh~egxelky egh hmyeh~egxelky'

Iagikg eoa{x ku{mx} je} emyk mn fkedxf mgy{egik haky gax ia~kxfk |fadk rar{dexmag o{x my nmgegikh xa e ymlgmnmiegx kvxkgx o}

xevky$ |fmif mg x{g ek remh o} xfk |fadk rar{dexmag'


8/15

Xfk Mgiajk Ymhk Haga N{ghmgl Mg hk~kdarmgl ia{gxmky haga n{ghmgl je} rde} eg mjraxegx

adk$ kyrkimedd} h{mgl xfk rkmah an o{mdhmgl {r YFM' Hagay je}

n{gh xkifgmied eyymyxegik$ xemgmgl$ ku{mrjkgx$ egh e yxex*{r n{gh

Xfkk ek x|a oeymi |e}y an haga n{ghmgl0 legxy egh daegy'

Legxy oeymiedd} ek e y{oymh}$ |fkkey daegy fe~k xa ok remh oeic'

Mg lkgked$ mx ieg ok yemh xfex daegy ek {ykn{d ey ne ey xfk} ek {ykxa nmgegik mg~kyxjkgx dmck iereimx} o{mdhmgl$ mgneyx{ix{k$ ykxxmgl

{r eg ehjmgmyxexmag' Daegy ek dkyy {ykn{d mn {ykh na nmgegimgl

okgknmxy ey xfmy my gax y{yxemgeodk'

Xfk an haga n{ghy xa y{oymhmpk YFM my xfex xfk} ek raxkgxmedd}

{gy{yxemgeodk'


9/15

Ku{mx} egh Ennaheomdmx} A{x an raickx kvrkghmx{k je`a ya{ik an myc

[gm~kyed ia~kelk ey yxexkl} an myc raxkixmag

Agk hmjkgymag an {gm~kyed ia~kelk my rar{dexmag ia~kelk eghkyrkimedd} mgnajed ykixa

iajr{dya} jkjokyfmr &ehjmgmyxexm~kd} gax key}-3

~ad{gxe} jkjokyfmr$ iajomgkh |mxf e|ekgkyy iejremlgy$&raodkjy an eh~kyk myc ykdkixmag-3

ndex*exk iagxmo{xmagy egh nkk jkjokyfmr na xfayk |fa ek gaxeodk xa re} &mn xfkk ek yxexk a axfk y{oymhmky$ egh iajomgkh |mxf ejkegy xkyx-3

iaarkexmag |mxf iajj{gmxmky egh iajj{gmx}*oeykh alegmpexmagy3

o{ghdmgl YFM |mxf axfk rah{ixy y{if ey jkjokyfmr mgalegmpexmagy a jmia*nmgegik3

mgnajexmag*yfemgl eiayy la~kgjkgx elkgimky mg ahk xa mjra~kmgnajexmag eoa{x mhkgxmx} egh ymx{exmag an rayymodk xelkx la{ry'


10/15

Okgknmxy egh Y{rrax ^ed{k Ykiagh hmjkgymag an {gm~kyed ia~kelk my xfk kvxkgx an fkedxf yk~mik ia~kelk

&k'l' |fex my ia~kkh-'

E ck} u{kyxmag mg xfmy iagxkvx my xfk y{rrax ~ed{k an e yaimed fkedxf raxkixmag

yifkjk'

Y{rrax ~ed{k my hknmgkh ey xfk rkikgxelk an xfk fkedxf mgy{egik okgknmx mg kdexmag

xa xfk xaxed iayxy an e fkedxf mgimhkgx |mxf |fmif rkardk ek neikh' Xfkk ek yk~ked

keyagy |f} xfk y{rrax ~ed{k ieg ok dkyy xfeg 522+$ jkegmgl xfex xfkk my e yfek

an a{x an raickx nmgegimgl mg yrmxk an xfk kvmyxkgik an YFM0

Agk keyag jmlfx ok xfex YFM okgknmx my dmjmxkh xa e jevmj{j eja{gx rk krmyahk'

\mhkd} {ykh mg ia{gxmky |fkk xfkk my ga knnkixm~k iagxeixmgl egh ra~mhk

re}jkgx jkifegmyjy mg rdeik' Egaxfk keyag na y{rrax ~ed{ky dkyy xfeg 522+ je} ok ia*re}jkgxy' Mg xfmy ieyk

mx my radmxmiedd} hkymkh egh eiikrxkh xfex xfk y{rrax ~ed{k my da|k xfeg 522+'

Kvid{ymag an ikxemg okgknmxy egh raikh{ky


11/15

Okgknmxy egh Y{rrax ^ed{k Jayx mjraxegx myc ek iexeyxarfmi ieyky

_myc naj xfk ramgx an ~mk| an xfk mgy{egik my hknmgkh o}

raoeomdmx} xmjky xfk iayxy rk ieyk$ xfk ~emexmag an xfk kvrkixkh

mycy egh kyrkimedd} mxy kdexmag xa xfk xaxed x{ga~k'

Naj xfk ramgx an ~mk| an xfk mghm~mh{ed fa{ykfadh xfk nmyx

iagymhkexmag my ymjmde xa xfex agk an mgy{egik iajregmky namghm~mh{ed ieyky' Fa|k~k$ xfk myc mgikeyky |mxf xfk g{jok an

nejmd} jkjoky$ okie{yk anxkg mx haky gax iajk edagl gkikyyemd}

|mxf e iakyraghmgl mgikeyk an k~kg{k$ egh xfk iagnmhkgik

mgxk~ed a kyrkixm~kd} xfk yxegheh ka$ |mdd ok j{if delkokie{yk xfk yejrdk my raoeod} yjeddk'


12/15

Okgknmx egh Y{rrax ^ed{k Yrkimed Ymx{exmag an Fa{ykfadhy0

Mg ieyk xfk fa{ykfadh fey xa nmgegik xfk iayxy xfa{lf e ikhmx$ xfk mgxkkyxy fe~k xaok ehhkh xa xfk iayxy' Eix{edd}$ xfmy my agk an xfk keyagy$ |f} mg jeg} raa

ia{gxmky rkardk daayk xfkm rarkx} yxkr o} yxkr' Xfk fa{ykfadh |mdd fe~k dmxxdk ifamik mg xfk ieyk an fkedxf iek'

Ya erex naj xfk knnkix an myc yfemgl$ |fmif jecky xfk jemg hmnnkkgik okx|kkgmghm~mh{ed fa{ykfadhy egh mgy{egik$ xfk myc mxykdn my ~k} hmnnkkgx' Xfk okgknmxy aneg mgy{egik kedd} iajk xa knnkix mg xfk ieyk an iexeyxarfk' Xfmy my |f} xfk

y{rrax ~ed{k my kyrkimedd} mjraxegx mg xfk ieyk an iexeyxarfmi ieyky' Xfk kedmx}$ kyrkimedd} mg hk~kdarmgl ia{gxmky egh k~kg mg xfayk |mxf yaimed fkedxf

raxkixmag yifkjky my xfex y{rrax ~ed{ky ek da|'

Rfmdfkedxf fey jehk e yx{h} mg xfk Rfmdmrrmgky eged}pmgl xfk y{rrax ~ed{k an xfkYFM' Mx iejk xa xfk ky{dx xfex xfk e~kelk y{rrax ~ed{k dmky ea{gh ;2+' Mg jeg}

axfk hk~kdarmgl ia{gxmky xfk ymx{exmag my ymjmde' Xfk keyagy na xfmy ymx{exmagek0 Deic an iayx iagxemgjkgx$ knnkixm~k ra~mhk re}jkgx jkifegmyjy egh iagxeixmgl'

[ghk xfk xeodk re}jkgxy'


13/15


14/15

Iayx Iagxemgjkgx Jkey{ky an iayx iagxemgjkgx0

Iagxeixmgl egh ra~mhk re}jkgx jkifegmyj r{ifeymgl n{gixmag3

iekn{d hkymlg an xfk okgknmx reicelk3 ia*re}jkgxy egh {yk ifelky3

mgikgxm~ky xa rk~kgx xfk {yk an fkedxf iek yk~miky &k'l' xfa{lf oag{yyifkjky-3

mgikgxm~ky xa {yk ifkerk rah{ixy egh yk~miky &k'l' o} kh{imgl ia*re}jkgxy na ifkerk yad{xmagy dmck lkgkmi h{ly-3

kyxmixkh eiikyy xa ra~mhky$ yajkxmjky cga|g ey lexkckkrmgl3

kn{gh an rex an xfk iagxmo{xmag ex xfk kgh an e }ke mn xfk rexmkgx feyidemjkh ga okgknmxy3

kyxmixkh ifamik an ra~mhky a rah{ixy3

ra~mymag an mgnajexmag egh kh{iexmag na {yky an fkedxf yk~miky'


15/15

Iagid{ymag Nmgegimgl yaimed fkedxf mgy{egik my e iajrdkv egh

ifeddkglmgl xeycy'

Jemg ifeddkglky ek nmgegimed y{yxemgeomdmx}$ {gm~kyed

ia~kelk egh iayx iagxemgjkgx'

Yaimed fkedxf mgy{egik fey ra~kg mxy eomdmx} xa yfek mycy

rkardk ek neimgl |mxf fkedxf iek iayxy' O{x kvrkmkgik mg

da| mgiajk ia{gxmky yfa|y xfex xfkk my yxmdd yajk |e} xa la

xa eifmk~k {gm~kyed ia~kelk egh eiikrxeodk y{rrax ~ed{ky'

E yrkimed xeyc my xa oedegik mgiajk mgxkkyxy an xfk fkedxfykixa egh myc kvray{k egh iayxy xfex rexmkgxy fe~k xa oke'

Documents

Financing Social Health Insurance: Challenges and Opportunities