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German Statutory Health Insurance (national health insurance) has remained relatively intact over the past century, even in the face of governmental change and recent reforms. The overall story of German national health insurance is one of political compromise and successful implementation of communitarian values. Several key lessons from the German experience can be applied to the American health care system.
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The best gross health indices in the world and universal coverage with no overt signs of rationing characterize the Japanese health care system. The delivery system, which consists primarily of private physicians and private hospitals, is functionally independent, but the financing system is strictly regulated. The author argues that this combination is the key to the system's unique success.
Concentration of outpatients in major hospitals has been one of the major problems, and division of labor between clinics and hospitals is being strongly proposed as a policy. However, it is rather a structural problem and it runs counter to basic principle of free access to medicine by the public under our universal high insurance coverage policy. Another problem is excess number of hospital beds and long hospitalization. In order to save the extraordinarily expanding national medical expenditures, correction of these situations to the global standard is mandatory. It is the time to look over again the critical situation of our insurance system. Hospitals are suffering from frequently changing frivolous micro-policy. Comprehensive approach through macro-policy based on opinions by actually engaged persons, should be the linchpin of reforms for Japan's health care reform.
Are there new sources of finance which Third World countries can tap to pay for Health for All? Is there anything valuable to be learnt in this respect from the experience of countries which are now developed? Countries have drifted into different ways of paying for health services, often without foreseeing the long run consequences. In many Third World countries the financing of services has been strongly influenced by their colonial past. This explains why many of them attempt to provide wholly free services and provide privileged services not only to the armed forces but to public servants as well. Introducing charges is one way of securing more revenue. It is noticeable that in some countries which were never colonized, there is a greater willingness to use charging and that this stimulates the growth of informal systems of voluntary health insurance. While many developed countries have made a transition from health insurance to universal services while retaining a considerable element of contributions from employers and employees, it is more difficult in political terms to introduce contributions unless those who contribute get something specific for them. The problem for developing countries contemplating the introduction of compulsory health insurance is to design systems which avoid all the problems which have manifested themselves in Europe, North America and on a wider scale in Latin America. These problems include the escalation of costs, failure to collect contributions due, the provision of 'paper' rights, bureaucratic obstacles to receiving care, different funds with varying rights, wholly separated services for insured persons, the bias to urban curative services and the separation of curative from preventive services.(ABSTRACT TRUNCATED AT 250 WORDS)
OBJECTIVES: Every country wants a good health care system for all citizens with minimum expenditure. By comparing health care systems in Canada and Japan, both of which have a universal health care system for all citizens in its own country, an attempt was made to visualize or search for an optimal health care system. METHOD: Data and information obtained were tabulated and compared from the standpoint of the effectiveness of the health insurance system and the feasibility of its application so as to propose an optimal health care system. RESULTS AND CONCLUSIONS: Some of the suggestions and proposals made for an optimal health care system for all citizens include implementation and/or establishment of minimal user fees, centralized rational decision-making processes, private delivery system of health care, centralized computer-aided patient record system, insurance monitoring system, patient education, and physician guidelines.
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This article provides an analysis of the regulatory framework of Australian private health insurance linked to four major implicit regulatory objectives: promoting access to health insurance for consumers; promoting financial solvency and industry viability of registered health benefits organisations; promoting competition between registered health benefits organisations; and promoting accountability to consumers. Through an analysis of regulatory changes, case law and policy documents on the performance of the health insurance industry, it is argued that existing health insurance regulation exhibits inevitable tensions due to shifting and often conflicting government objectives about the role of private health insurance.
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Healthcare in Canada differs significantly from the United States. All Canadians have access to healthcare, and all 10 provinces of Canada have universal healthcare insurance plans that cover hospitalization and physician care. Each province administers its own healthcare system financed on an equal basis with the federal government, and each provincial resident is issued a health card that must be presented at hospitals or physicians' offices whenever medical care is requested. Canadian healthcare provides coverage for organ and tissue donation, transplantation, and cyclosporine for life for all transplant recipients. Canadian healthcare encompasses four basic principles: (1) universal coverage, (2) comprehensive coverage, (3) accessible care for all Canadians, and (4) portability of care. Canada has no national organization for organ donation and transplantation. The organ donation rates in Canada have averaged 14.1 donors per million population over the last 5 years, and are unchanged from previous years.
The lack of adequate health insurance affects one's ability to access care, which directly affects one's health. In the 21st century, there are 44 million people in the United States without health care insurance. The majority of people without health care insurance are working people under age 65, because most people over age 65 are retired and have health insurance through the federal Medicare program. Maintaining a healthy population makes good business sense because healthy people are more able to work, buy goods, and pay taxes that contribute to a healthy economy and strong government. We must understand, through provider "cost shifting," the American public is already "footing the bill" for the uninsured. However, the actual amount is hidden and passed on to consumers in payments to insurance companies through raised premiums, deductibles, co-payments, exclusions from coverage, and direct out-of-pocket payments to providers (e.g., physicians, hospitals). Ironically, the very working poor who are uninsured and underinsured help fund the health insurance of select federally protected groups through taxation. A huge gap exists in the current United States system of health care wherein there is no cogent benefit, only a vicious cycle as the insured continue to pay more for their care to help compensate provider losses due to the uninsured. This in turn causes a growing rank of uninsured individuals that lack access to adequate health care. The purpose of this article is to assert an alternative to the current U.S. health care insurance system. It takes advantage of structures already in place to promote a "win-win" American health system premised on a workable tiered universal health care system in which there is a benefit to the major populace. As an emanation of a diverse society, the proposed system does not advocate a one-payer universal system that is not amenable to the U.S. health care, social, or political environment.
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