TAILIEUCHUNG - Toward Health Status Insurance

Based on our visits and mystery shopping, we think that consumers are more likely to get poor outcomes in the PPI markets which have these features. The purchase of PPI is usually a secondary focus for customers; their primary purpose is to get another financial service or product such as a secured or unsecured loan. PPI is also a product that is generally sold to consumers, rather than one they actively choose to buy. In these circumstances, the sale of PPI policies together with the loan/credit can lead to unfair outcomes for consumers by blurring the separate elements of the sale and constraining firms from offering potentially. | COMMENT THIS ARTICLE SEE COMMENTS ON THIS ARTICLE CONTACT AUTHOR March 1999 Volume 40 Number 2 Toward Health Status Insurance Rene I. Jahiel International Health Policy Research Hartford Conn USA This paper advances a new concept in health insurance. Health status insurance is a health insurance whose primary aim is to improve health status and decrease inequality in health within the covered population. Redistribution and control of cost is a secondary aim closely integrated with the health status aim. Health status insurance differs from conventional health insurance in four respects 1 the health status and health risks of enrollees are assessed and individual plans are developed jointly by the providers and enrollees to raise their health status to a given level 2 interventions are not limited to the patients but they extend to the patients physical and social environments 3 supplementary income or help in organizing are provided to enrollees who do not have an income sufficient to maintain their health or who need help to overcome local environmental situations adverse to their health respectively and 4 the health status insurance organization actively champions national policies to change the social environment for the improvement of health. The concept of health status insurance is applicable to national health insurance systems large private health insurance systems or national health service when the responsible governmental agency becomes the health status insurer .Three modalities of implementation are presented. The readiness of society and governments to adopt health status insurance is discussed from a historical perspective. Key words health and welfare health insurance health status insurance health patient outcome assessment planning risk factors social class social environment socioeconomic status Health insurance is actually health cost insurance. It is primarily a means of sharing health care costs among members of a participating population and

• Bảo hiểm
• Finance Initiative
• Environmental
• significant and rising
• Public companies
• substantial proportion
• global environmental