Private health insurance and Slintecare Colm Conaill | Private - - PowerPoint PPT Presentation
Private health insurance and Slintecare Colm Conaill | Private Health Insurance Unit 3 December 2019 If the present private health insurance market didnt exist. .would we need to invent it? Body Level One Body Level Two Body
Colm Ó Conaill | Private Health Insurance Unit 3 December 2019
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2 An Roinn Sláinte | Department of HealthIf the present private health insurance market didn’t exist…. ….would we need to invent it?
Changing attitudes towards private/public mix
“On balance, the Government are satisfied that sustaining the mix of public and private practice in public hospitals is desirable and to the benefit of all patients.”
“The Government is committed to ending the unfair, unequal and inefficient two-tier health system and to introducing a single-tier system, supported by universal health insurance…”
Government should be sensitive to the need to ensure that the public hospital system caters adequately for the requirements of private patients and that the important role and contribution of voluntary health insurance is not diminished in any way.
Continued changing attitudes towards private/public mix
“Inequality of access is embedded in our current system and creates barriers and perverse incentives that stand in the way of doing the right things for patients that need care.”
“Successful Sláintecare reforms would reduce the size of the market and ultimately lead to a change in the nature of health insurance to a more supplementary role over time.”
The Committee recommends a model where private insurance will no longer confer faster access to healthcare in the public sector, but is limited to covering private care in private hospitals.
Our population is increasing and ageing (ESRI)
Increase in Total Population Increase in 65+ Population Increase in 85+ Population
2016 -2031
2005 2015
Claims costs doubled in 10 years
Ageing Incidence of chronic disease Medical technology advancement Professional fees 126% increase 8.5% per annum
Note: Private health insurance refers to voluntary insurance. Source: OECD Health Statistics 2017, http://dx.doi.org/10.1787/health-data-en
Share of all spending in hospitals financed by private health insurance and out-
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% United States Korea Greece Ireland Mexico Belgium Latvia Switzerland Australia Portugal Turkey Slovenia OECD33 Luxembourg Finland Japan Austria Slovak Republic Hungary Israel France Netherlands United Kingdom Denmark Italy Estonia Poland Canada Germany Spain Czech Republic Norway Sweden Iceland Private Health Insurance OOP
27.8% 50.5% 45.0% 27.0% 32.0% 37.0% 42.0% 47.0% 52.0% 1975 1980 1985 1990 1995 2000 2005 2010 2015 2020
% of the Irish population covered by health insurance (White Paper 1999; HIA 2018)
Rate
Ireland is an outlier in how we use health insurance (OECD)
Health insurers are increasingly moving into the healthcare provision space
Present Potential Disentangling public & private
Private health insurance coverage Public Public Private
Private treatment in public hospitals
Private
Health Act 1970
Private hospitals
Reimbursement for primary care Medical card GP visit card Free at point
Increased capacity?
Private hospitals
Increased primary care coverage?
Means-tested co-payments
Improved access?