Private Health Public Good: Towards a new coordination between - - PowerPoint PPT Presentation

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Private Health Public Good: Towards a new coordination between - - PowerPoint PPT Presentation

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Private Health Public Good: Towards a new coordination between Social security and private health Guillaume Sarkozy Australia November 2010 G. Sarkozy, November 2010 1 MALAKOFF MDRIC : SOCIAL PROTECTION LEADER, WITH TWO BRANCHES

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Australia November 2010

Private Health Public Good:

Towards a new coordination between Social security and private health

Guillaume Sarkozy

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MALAKOFF MÉDÉRIC : SOCIAL PROTECTION LEADER, WITH TWO BRANCHES

Insurance Health and Benefits N° 2 in group insurance

€ 3,4 bn turnover € 3 bn in own equity

3,6 time solvability margin 3,2 million employees insured 180 000 companies

Pension N° 1

€ 14 bn subsidies

2,7 million retirees 204 000 companies

Social Aid

€100 M 6 300

employees and 49 outlets

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SUMMARY

1. A changing environment 2. Coordination between private and public 3. In-house healthcare 4. A new social contract

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  • A. A STRONG INCREASE IN PUBLIC DEBT

…WHAT REQUIRES THE SEARCH FOR NEW BALANCE

GDP %

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… DO WE NEED A NEW MODEL?

Source : chiffres clés de la sécurité sociale 2009

  • A. RECURRENT DEFICITS IN THE NATIONAL HEALTH

SYSTEM…

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Etude Jalma

  • Due to technology and

LTC, senior are expected to spend x 7.7 more than junior in 2017.

  • A rapid increase

considering it was x 5.5 in 2008 …

1 1,9 3,7 5,5 1 2,1 4,9 7,7

21y - 40y 41y - 60y 61y - 80y >80y

2017 2008

  • A. EVOLUTION OF HEALTH COSTS…
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  • B. CHANGE IN BEHAVIOR…

Need to reduce the personal out-of-pocket expenses Greater demand for higher quality Higher requirement for results and services Individualism, Impatience, Simplicity

…CONTRADICTIONS

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  • C. CHANGE IN THE PROVISION OF CARE…

Doctors in workplace

  • 50%

in 8 years

 Doctors average age

55 years

…WHICH CREATES A NEED FOR MEDICAL DIRECTION

CHANGES IN MEDICAL DEMOGRAPHY

Medical students

Only 10 % of students set up their own practices

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  • D. NEW MEDICAL SCIENCE…

PREVENTION NEW TECHNOLOGY: E-HEALTH GENETICS PERSONALISED MEDICINE PREDICTIVE MEDICINE …THAT IMPACTED THE LIFE

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SUMMARY

1. A changing environment 2. Coordination between private and public 3. In-house healthcare 4. A new social contract

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  • 2. PUBLIC COORDINATED WITH PRIVATE TO FINANCE

HEALTH EXPENSES

Social security

Taxes – Access to care Monopoly Inflation of costs – Reluctance to change Insurance 2 Insurance 3 Insurance N… Competition leads to: Improved efficiency – Cost regulation – change management Insurance 1

Public Private

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THE WELFARE SYSTEM

Social security

Basket –Monopoly- Taxes

Private complementary Insurance

“Out-of-basket” Basket

Individual" Out-of-pocket”

9% 14% 77%

  • 2. COORDINATION BETWEEN PRIVATE AND PUBLIC

Today Tomorrow

10%? 30%? 60%?

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TWO MEDICAL TECHNOLOGIES

The classic one with a cost of 100 leads to 6 weeks of patient rest and absence at the workplace. The second, a new technology with a cost of 200 leads to 3 days off work for the patient Social security will choose the first approach because of lower cost

  • 2. CARPAL TUNNEL SYNDROME
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HEALTH EXPENDITURE Reimbursment Reduction of the Out of pocket expense PARTNERSHIP

HOME MAINTENANCE HOME CARE MSO FRC ROAH HH Networks labeled

INSURER INTEGRATOR SERVICES

PREVENTION (MMS) DETECTION INFORMATION /ADVICE (ex : quote) ORIENTATION ORGANIZATION

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MSO : Medicine surgery obstetrics HH : Home hospitalisation FRC: follow-up and rehabilitation care ROAH : Retirement and old age homes

  • 2. A TRANSITION FROM REACTIVE INSURANCE

TO A PROACTIVE STRATEGY

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SUMMARY

1. A changing environment 2. Coordination between private and public 3. In-house healthcare 4. A new social contract

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«Companies need to be more concerned with the effect of their actions on the

environment, social harmony and the personal development of their staff»

«Companies ought to concentrate solely

  • n their economic role and that of an

employer”

58 61 63 61 63 60 65 66 39 38 34 37 36 40 33 33

2000 01 02 03 04 05 06 07 2009

Baromètre Sociovision 2010

  • 3. IN-HOUSE HEALTHCARE: PRODUCTIVITY AND

WELLBEING OF EMPLOYEES

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  • Taking exercice

62%

  • Better healthcare

61%

  • Preventing sleep difficulties

55%

  • Controlling diet

52%

  • Getting better diagnosis

51%

  • Be better at managing their personal life

40%

  • Get better medical monitoring

38%

  • Receive psychological help in times of stress

28%

Study Malakoff Médéric / Sociovision 2010

... THAT REQUIRES A NEW CORPORATE COMMITMENT

  • 3. EMPLOYEES WOULD BE INTERESTED IF THEIR

COMPANIES OFFERING THEM SERVICES

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38%

Sight difficulties, even with glasses

32%

Hearing difficulties

28%

Chronic illness «I feel I shan’t be capable of doing the same job in 10 years’ time”

57%

Study Malakoff Médéric / Sociovision 2010

  • 3. SITUATIONS FOR EMPLOYEES OVER 50 YEARS OLD
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32% of employees suffer from disturbed sleep 33% of employees suffer from a major health risk (diet or lack of physical activity) 34% of employees have personal worries that affect their health and their attendance at work 15% are caring for a dependent or sick person

Study Malakoff Médéric / Sociovision 2010

  • 3. PERSONAL AND PROFESSIONAL WELLBEING ARE

LINKED

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Detection Prevention and toolkit Metrics and diagnosis

Health Orientation

1 2 5 3 4 Control and assistance to work resumption E-health E-medicine

  • 3. IN-HOUSE HEALTHCARE : PRODUCTIVITY AND

WELLBEING OF EMPLOYEES

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SUMMARY

1. A changing environment 2. Coordination between private and public 3. In-house healthcare 4. A new social contract

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A NEW SOCIAL IN-HOUSE CONTRACT

A new equilibrium has to be found between social security and private insurance Orientation in the healthcare system and technology will be needed A corporate commitment is essential Prevention, monitoring, well-being… in search of new productivity A new market for group insurance operators

DUE TO LESS PUBLIC FUNDS AVAILABLE HEALTHCARE PROVIDERS ARE ALSO FACING AGEING AT THE SAME TIME THERE ARE NEW EXPECTATIONS FROM EMPLOYEES: WELLBEING IN LIFE

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TO SUMMARIZE …

THE MALAKOFF MEDERIC GROUP COMMITMENTS

  • Protection of our client’s employees and their families,

throughout their life Provider of group insurance and supplementary individual insurance packages Help in advising and guiding them within the healthcare system

AS WE UNDERWRITE PENSIONS, BENEFITS AND HEALTH RISKS, OUR AMBITION IS TO OFFER A GLOBAL COVERAGE TO OUR CLIENTS