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Health Insurance: An experience that supports the family economy
15/4/2018 12:00 am [rtl]BAGHDAD / Mustafa al-Hashemi The head of the former Iraqi Insurance Association Abdul-Hassan al-Ziadi, the importance of health insurance and its role in reducing the burden on hospitals and government clinics in the event of adoption as a comprehensive program for individuals and families as one of the types of insurance against the risk of health conditions. "Health insurance covers the costs of examination, diagnosis and treatment, as well as psychological and physical support," he said. "The philosophy of health insurance is based on the principle of pooling risks and sharing them among individuals equally, which, as a final outcome, "He added," It ensures the access of health care to all its needs for a small amount of money, which strengthens the social system and do the interdependence of individuals to bear what can not afford one of them alone. " Disturbing the danger He explained that "the insurance companies organize benefit from the distribution of risk and its complexity for a known wage (premium)," pointing out that "the success of Al-Reham Insurance Company in the implementation of health insurance program through its contract with the hospital sponsor in Karbala holy to grant insurance cover for employees of the holy Abbasid threshold, Benefit from the services of the health insurance policy ". Nearly two years after this experiment, Ziadi revealed that "the health insurance portfolio of this company rose to 75 percent during this period, which confirms the success of the experience of health insurance in Iraq in general and the insurance market in particular." "The implementation of the health insurance project, after being clarified, could start as a limited-scale experimental plan in one of the provinces," the insurance specialist Mashaa Kamal told Sabah earlier. "This plan will be a basic exercise to identify Problems of application and finding appropriate solutions and controls. " "The project can be applied as a binding duty on companies operating in Iraq, which employ a certain number of workers to provide health insurance for them - which was done by some governments, such as the UAE, for example, and can benefit from past experiences such as health insurance, which was the Ministry of Oil applied to its employees To meet installments (a small deduction) of salaries. " He pointed out that "the most recent and broadest practice of health insurance is the cooperation between the Specialist Hospital in Karbala and one of the private insurance companies since May 2016 to provide comprehensive health insurance for an annual insurance premium of 175 thousand dinars per person covering the full treatment of the individual and compensatory limits for medical and therapeutic expenses may reach 6 million dinars, "Kamal predicted that the development of commercial health insurance market in Iraq.[/rtl] [rtl][You must be registered and logged in to see this link.][/rtl] |
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