Private Health Insurance – PST06105 Health Financing
NTA Level 6 • Semester 1 • PST06105 Private Health Insurance Health Financing • Source Session/Topic 7 Full source-text version: all educational wording from the extracted learning source is retained; only presenter/tutor metadata and web-layout noise are removed, while formatting is improved for readability. PST 06105: HEALTH FINANCING Session 7: Private Health Insurance Learning Tasks At the end of this session students are expected to be able to: Define private health insurance Explain how private health insurance operates in the health sector Enumerate advantages and disadvantages private health insurance Activity: Brainstorming What is a private health insurance? 3 Private health insurances Private health insurances are voluntary and for profit prepayment schemes operated by individuals or private organizations Individual persons voluntarily subscribes to the insurance by paying the prescribed premium The premium is determined based on individual health status, individual and risk rated premium They complement coverage provided by national or social health insurances Activity: Brainstorming What parties are involved in a private health insurance? 5 Operation of Private Based Financing Operation of Private Based Financing Private health insurance, like SHI, involves three parties: citizen and users of health services , profit making and private insurance organization, and providers of health services . The arrangement of private health insurance is shown in the previous figure In private health insurance, a segment of population pays premium to privately-owned insurance organizations before they fall sick on voluntary basis. Private Insurance organizations are responsible for collection, pooling, management and using financial resources to pay or reimburse providers of health services (e.g. doctors, hospitals , and pharmacies). Providers of health services in turn use the financial resources to acquire health resources (e.g . staff, medicines, buildings, and equipment). The acquired health resources are used by health service providers to give health services to citizen when they need such services . Activity: Small group discussion What are the advantages and disadvantages of private health insurance? 8 Advantages of Private Health Insurance They generate financial resources for health services They are prepaid schemes for financing covered for enrolled members Private health insurance reduces the burden of health services provided by the state; so that the poor may get more coverage in public health services Disadvantages of Private Health Insurance They pools risk based on individual risks (premium based on individual risks)experiential or risk rating There are significant administrative costs in relation to population coverage (size) of the insurances They tend to be curative oriented There are may be difficulties in controlling costs Key Points Private health insurances are now providing health insurance to people not covered by community or social health insurance in Tanzania and other countries. Private health insurance involve three parties in health service: citizen and user of health services , private health insurance organization, and providers of the health service Private health insurances have both advantages and disadvantages Evaluation What is private health insurance? What are the parties involved private health insurance What are three advantages and disadvantages of private health insurance? Reference Drechsler , D., & Jutting, J. (2007). Different countries, different needs: the role of private health insurance in developing countries. Journal of Health Politics, Policy and Law , 32(3), 497-534 Folland , S., Goodman, A. C., & Stano , M. (2017). The economics of health and health care .New York: Pearson Getzen , T. E. (2013). Health economics and financing. Hoboken, NJ: Wiley. Gottret , P. Schieber , G. (2006). Health financing revisited: a practioner’s guide. World Bank Green, A. (2007). An introduction to health planning for developing health systems. Oxford: Oxford University Press Guinness , L and Wiseman V (2011). Introduction to health economics. Mainhead : Open University Press Sekhri , N., & Savedoff , W. (2005). Private health insurance: implications for developing countries . Bulletin of the World Health Organization, 83, 127-134 Tanzania . MoHSW (2014). DHM Healthcare financing module. Dar es Salaam: MoHSW WHO (2003). Mental health financing. Geneva, WHO. ← Previous TopicNext Topic →View all Health Financing topicsOpen Complete Full Notes PDF / OFFLINE NOTES Unataka kutumiwa notes hizi kupitia WhatsApp?Kwa notes zilizopangiliwa vizuri kwa kusoma offline au PDF, bonyeza kitufe hapa chini. Ujumbe wenye Level, Semester, Module na Topic utaandaliwa moja kwa moja.TUMIWA NOTES WHATSAPP WhatsApp: 255620339260