Health Insurance Worldwide Experience and · PDF fileHealth Insurance Worldwide: Experience...
Transcript of Health Insurance Worldwide Experience and · PDF fileHealth Insurance Worldwide: Experience...
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Health Insurance Worldwide:Experience and ImplicationsMark BassettMark BassettGroup Director of Public Policy
Beijing, 9 November 2010
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Dimensions of health insurance• Public
• Not for profit
• For profitCarrier type
For profit• Collection
• Allocation
• Pooling
• Purchasing
Scope of financing functions
• Mandatory
• Voluntary
Level of compulsion
Role or function functions• None
• Re-insurance
• Provider payments
• Deductibles and co-payments
Risk sharing
P d t b fitR l ti
• Primary
• Additional
Role or function of insurance
• Personal health services
• Public healthScope of insurance • Product benefits
• Price
• Solvency
Regulation
• None
• Premium subsidyExternal
• Social careinsurance
• Personal
• Household
• Group
Subscription type
• Premium subsidy
• Tax relief
• Donor support
External subsidies
• None
• Risk equalisation FundExternal
• Annual
• Long term
Insurance term
• Risk ratedPayment• Corporation Taxliabilities
• Risk rated
• Age rated
• Flat rated
Payment basis
Source: Mark Bassett, Presentation at 13th International Development Sou ce a assett, ese tat o at 3 te at o a e e op e tConference, Kennedy School of Government, Harvard University 2006.
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Life expectancy at birth against per capita total health expenditure
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Selected risks in health insurance
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Debt by country, 2008
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Bupa’s international footprint Insurance businesses
Provision businesses
Integrated health servicesFranceUnited KingdomBupa Health & WellbeingBupa Health Assurance
Bupa Health DialogChina
Integrated health services
UK Care ServicesBupa Home Healthcare
Cromwell Hospital
FranceHealth Dialog CNAMTS
United Kingdom
ChinaRepresentative Office Beijing
Hong Kong
USHealth Dialog
SpainSanitas
S it H it l
Hong KongBupa Hong Kong
ThailandBupa ThailandSanitas Hospitals
Sanitas Residencial
Bupa Thailand
AustraliaBupa Australia /
MBFMBFBupa Care
Services AustraliaLatin America
Bupa Latin America(Offices in Miami, USA; Mexico;
Ecuador; Bolivia; Dominican Republic)
New ZealandBupa Care Services
NZInternational
IndiaMax Bupa
p )Denmark
Bupa Scandinavia
6Saudi ArabiaBupa Arabia
InternationalBupa International
(Offices in Brighton, England; Copenhagen, Denmark; Dubai, UAE; Cairo, Egypt; and Hong Kong, China)