The necessity of activating the health insurance system in Iraq

The necessity of activating the health insurance system in Iraq



5/20/2017 0:00

After about a year after the launch of his experience
Baghdad / Mustafa al - Hashemi , the
activation of the health insurance system has become a necessity in the current stage, especially that it came in the government program in 2014 , " the adoption of the health insurance system for all citizens , " as can individuals provide amounts of treatment for patients and ensures their right to enjoy good health system as a Takaful and socially in force in the world, as well as being supported by the family economy, of those who Maittalb this file drafting the details of this important system and activate especially after a year after the launch of its first experience of him in the holy city of Karbala. And see a specialist in insurance affairs Saadoun al- Rubaie said the problem of stage through which Iraq is required to activate this system and enacted into law in force because it achieves social benefits and reduce the financial burden on the Ministry of Health and the departments that the insurance companies will be covered by the payment of the costs of treatment to the ministry departments or health authorities.
Rubaie said in an interview with the "morning" that the health insurance philosophy is based on the principle of risk pooling and sharing between individuals equally leads to ease the burdens and costs on the individual and ensure access health care for all those in need in exchange for the amount fraction of the money, which is thus a social system based on cooperation and solidarity among individuals to bear what is unable to afford one of them alone. And that health insurance policy is a guarantee of being made to suit the need for the physical status of the possessor, explaining that the activation of the health insurance system will make public and private insurance companies compete with each other to provide better services to the public through monthly premium prices paid by the insured and is reasonable compared to the economic and social benefits from, and humanity.
He was a specialist in insurance affairs lamp Kamal has said the "morning" that the project application, after it becomes clear that its features, it can start as a plan of experimental small - scale in one of the provinces, adding that the plan will be an essential exercise to identify application problems and find solutions and appropriate controls. He said the project could take its application binding to the companies operating in Iraq, which used a certain number of workers to provide health insurance Hm- which embarked upon by some governments, for example Kalamarat Arab, and can benefit from past health such as a guarantee that the Ministry of Oil applied to its members to meet the experiences of premiums (simple deduction) of salaries.
He said perhaps the latest and broadest practice of health insurance is the cooperation between the sponsor Specialist Hospital in Karbala, one of the private insurance companies since May 2016 to provide comprehensive health insurance to meet the annual premium insurance of $ 175 thousand dinars per person covers the full treatment of the individual and the limits of compensatory medical and therapeutic expenses of up to 6 millions of dinars. Kamal predicted that the health insurance business market is developing in Iraq, likely it is to be a key tributary of the insurance activity as happened in the Kingdom of Saudi Arabia and other Arab insurance markets that operate on the exclusion of the state 's role in the provision of health care.
He concluded by noting that the health insurance market in Iraq , based on the competition between all companies, and this competition can work to raise awareness of the importance of health insurance, especially among the affluent classes.

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