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Calls to the activation of health insurance
2/27/2017 0:00
[rtl]
BAGHDAD / Mustafa Hashimi
health insurance in Iraq vital topics which requires activation - according to an expert in insurance - take steps coordinating between governmental my company insurance and the Health Ministry and its departments in order to achieve economic viability of the companies and the economy of the family, and between those aimed at expanding the work done in the general mechanisms mechanisms the country, the two «national» insurance, «Iraq» to sell documents collective and individual health insurance to cover the cost of operations, within the amount of insurance, in the civil hospitals in Iraq, and extends to lie in the hospital for treatment purposes. The government had offered in its adoption of health insurance for the citizens and the application of the family doctor system, but the system did not find the effective application on the ground , and perhaps there are efforts to work on the details of this order in the halls of government.
In this regard , the international insurance expert lamp Kamal said: It seems that the health insurance business market to support the family economy and began to develop in Iraq and is expected to be a key tributary of the insurance activity as happened in some neighboring countries that operate to exclude the state 's role in the provision of care and
health.
Kamal said in an interview for {morning} Perhaps the newest and broadest practice it is the cooperation between the sponsor Specialist in Karbala, one of the private insurance companies Hospital since May 2016 to provide what was announced as a comprehensive health insurance to meet annual premium insurance of $ 175 thousand Iraqi dinars per capita covers treatment full of the individual and the limits of compensation and medical treatment expenses of up to 6 million
dinars.
Lamp noted that the health insurance market in Iraq based on a competition among all companies, and can be for this competition that works to raise awareness of the importance of health insurance, especially among the affluent classes and the ones that have enough income to spend on the purchase of insurance protection ( the poor is not interested in insurance because they do not have enough to meet the requirements of living).
He said Kamal had said: that the war against the (Daesh), and the budget deficit, and the resort of Iraq to make borrowing from abroad to start health insurance system, the financial burden on the limited capacity of the state at the present time.
He believed that the project application, after it clarified its features, can begin as a plan of experimental small scale in one of the provinces, adding that such a plan would be a major exercise to identify the application and to find appropriate solutions and controls its problems, saying the project could take its application binding to the operating companies in Iraq , which used a certain number of workers to provide health insurance for Hm- which was made by some governments, Kalamarat
Arabic.
He pointed to the possibility of benefiting from the experiences of the past such as a guarantee of health , which was applied by the Ministry of Oil on its members to meet installments (Simple deduction) from the
payroll.
Kamal said that the health, such as education, basic need and it is not appropriate to continue to defer interest in them on the pretext that the time is not right, pointing out that there is a need for the development of the public health system, and owners can competence present their ideas about it, including the development and expansion of the use of information technology, and by the referee on the ability of institutions and hospitals to deal with the health insurance system requirements that must be the definition of this system and its scope.
And on the expansion of the health insurance system , Kamal said , it can resort to specific actions, including: making insurance mandatory for companies that use a certain amount of workers ' number, as well as exemption of outstanding premiums to buy insurance protection by these companies from income tax, as well as to encourage the associations and trade unions to buy health insurance for its members in exchange for a competitive insurance premiums, pointing to the need to oblige public companies to provide health insurance for its employees (with interest problematic fiscal deficits afflicting these companies), and mandatory insurance on the ministries and local departments of insurance affiliates.[/rtl]
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