Health insurance supports the activation of the family economy

3/19/2017 0:00

BAGHDAD / Mustafa Hashimi
Shokran Fatlawi
health insurance plays an important role in the economic side by easing the burden on both the Health Ministry and the citizen to be a Takaful theme adopted by insurance companies in order to achieve a distinct economic feasibility of a low - income, requires - according to specialists the affairs of insurance - to focus on this Thread for the dissemination of culture of health insurance in Iraq. Health insurance is a kind of insurance against the risk of the health conditions of the individual and includes examination and treatment costs for an amount fraction of the money paid by all individuals involved health insurance service and therefore is a form of social solidarity is also a barometer of the standards development of societies and the case in the developed countries.

Iraqi market ,
Iraqi Prime Insurance Association Abdul Hassan Ziadi reported that the intention of the Assembly , which includes all insurance companies operating in the Iraqi market, to start a business insurance ATM of Iraqi banks and , who is usually in public places of the departments and companies , and Malls commercial and social clubs and in cooperation with banks
Relationship.
The project promised a pioneer in the insurance market as never before to hold such insurance in the country which would provide a service to citizens through a wider ATM in the markets and public places spread, as well as being a cultural phenomenon sophisticated serve the national economy and the economy of the
family.
In the opinion of the international insurance expert Kamal lamp that insurance is a commodity perspective, he promised to indemnify the insured in the future if he or his family or his property exposed to damage.
He added that most people do not feel a need for such a promise without the financial capacity they have to buy this promise and are more convinced by the religious heritage negative read to him, what shows the need to increase awareness of insurance as statistics to measure the level of awareness of insurance in its historical development, a task that is not available research outside the current possibilities, stressing that the insurance Bureau is obliged to do its part in raising awareness of insurance.
The summer of 2016 saw the start of health insurance project in the province of Karbala agreement between an insurance company and private hospitals, providing many positive aspects, including the easing momentum for the government sector to improve its performance and transmit the spirit of social solidarity as well as provide expensive health services pricey surgical such as work complex for low - income people .

Insurance cover
Kamal pointed out that the success of health insurance requires cooperation and response from the Ministry of Health and directing departments, after coordination with the donor to cover the health insurance companies, and to agree on clear mechanisms to ensure that the insured facilitate access to treatment.
For his part , member of the Iraqi Insurance Association Star Krmd Faisal importance of formation complex health insurance, to develop integrated programs on the types and limits of protections that can be offered Balaschwa inside and outside hospitals as well as doctors, laboratories and dispensing reviews.
The health insurance philosophy is based on the principle of risk pooling, and the means to collect the risk of infection that affects the community or a particular group, and shared among individuals equally, through the collection of funds for the treatment of this risk collected evenly, then distributed among individuals according to their need for treatment leads to ease the burden and the costs involved when treating medical conditions suffered by the insured and guaranteed access health care for all those in need in exchange for the amount of money is going and consistently paid all personnel involved
insurance.

Medical services
and explained the need to establish a network of medical service providers such as hospitals, clinics, doctors, laboratories and pharmacies, and the rest of the other health professions, urging government departments, trade unions and official bodies and informal affiliations health coverage provided that managed the complex by a specialized insurance insurers
health.
Al - Faisal called for a centralized media plan to increase insurance awareness for the definition of community to the concept of insurance and its role in carrying insurance companies to the burden of risks they are exposed to it, indicating the importance that the plan includes the establishment of seminars and conferences with the participation of government departments and institutions and civil society organizations and every hand can be a window to market insurance
through it .
And between al - Faisal , the need for these meetings and seminars as a means to put pressure on the government and non - government agencies need to tighten their attention and loaned its attention to the subject of insurance and show Maysthakh attention and care.
He concluded Faisal Speaking noting that health insurance can promise as a social based on cooperation and interdependence among individuals to take on what are unable to afford one of them alone, and the insurance companies organize to benefit from the distribution of risk to meet known to provide haven best to secure the health care of the individual fee.


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