Objectives This paper aims to investigate the effects of enrollment in the Ethiopian community-based health insurance(CBHI)scheme on household preventive care activities and the timing of treatment-seeking behavior fo...Objectives This paper aims to investigate the effects of enrollment in the Ethiopian community-based health insurance(CBHI)scheme on household preventive care activities and the timing of treatment-seeking behavior for illness symptoms.There is growing concern about the financial sustainability of CBHI schemes in developing countries.However,few empirical studies have identified potential contributors,including ex-ante and ex-post moral hazards.Methods We implement a household fixed-effect panel data regression model,drawing on three rounds of household survey data collected face to face in districts where CBHI scheme is operational and in districts where it is not operational in Ethiopia.Results The findings show that enrolment in CBHI does not significantly influence household behaviour regarding preventive care activities such as water treatment before drinking and handwashing before meals.However,CBHI significantly increases delay in treatment-seeking behaviour for diseases symptoms.Particularly,on average,we estimate about 4-6 h delay for malaria symptoms,a little above 4 h for tetanus,and 10-11 h for tuberculosis among the insured households.Conclusions While there is evidence that CBHI improve the utilization of outpatient or primary care services,our study suggests that insured members may wait longer before visiting health facilities.This delay could be partly due to moral hazard problems,as insured households,particularly those from rural areas,may consider the opportunity costs associated with visiting health facilities for minor symptoms.Overall,it is essential to identify the primary causes of delays in seeking medical services and implement appropriate interventions to encourage insured individuals to seek early medical attention.展开更多
The basic medical insurance system for urban residents is an important part of China's social security system.This article analyzes the problems which existing in the basic medical insurance system for urban resident...The basic medical insurance system for urban residents is an important part of China's social security system.This article analyzes the problems which existing in the basic medical insurance system for urban residents and puts forward the corresponding countermeasures.展开更多
Objective Acute aortic dissection (AAD) is a catastrophic event with high early mortality rate, but to date, no data on the incidence of AAD in China's Mainland is available. This study aimed to estimate the inc...Objective Acute aortic dissection (AAD) is a catastrophic event with high early mortality rate, but to date, no data on the incidence of AAD in China's Mainland is available. This study aimed to estimate the incidence of AAD in China and characterize the clinical profile, management and in-hospital outcomes of this vascular event. Methods We used the China Health Insurance Research Data (the CHIRA Data) 2011 which comprises all inpatient hospital records (300,886) during the period of Jan. 1st 2011 to Dec. 31 2011 of 3,335,000 randomly sampled beneficiaries (1,718,500 men and 1,616,500 women) from 25 cities and counties in different economic-geographic regions of China's Mainland. Patients with acute aortic dissection were identified according to International Classification of Disease 10m Revision (ICD-10) of I71.0, The estimated incidence of AAD was calculated using the equation: estimated incidence = 2.0 × (40% × hospital admission rate) + 60% × hospital admission rate. Results The hospital admission rate was 2.0/100,000 (65/3,325,000, 95% CI: 1.2-2.8). The estimated annual incidence of AAD was 2.8/100,000 (95% CI: 1.9-3.6) and was higher in male than in female (3.7 vs. 1.5, P 〈 0.001). The mean age was 58.9 ± 13.4 years. During the mean hospital stay of 23 ±6 days, the overall in-hospital mortality was 13.9% (9/65). Conclusions Our study showed relatively lower but not negligible incidence and in-hospital mortality of AAD in the mainland of China. The mean age of patients with AAD in Chinese was younger than that reported by researches from west countries, while the male to female incidence ratio is similar to those reported by other studies.展开更多
The purpose of the current study was to model the health insurance coverage of Jamaicans;and to identify the determinants, strength and predictive power of the model in order to aid clinicians and other health practit...The purpose of the current study was to model the health insurance coverage of Jamaicans;and to identify the determinants, strength and predictive power of the model in order to aid clinicians and other health practitioners in understanding those who have health insurance coverage. This study utilized secondary data taken from the dataset of the Jamaica Survey of Living Conditions which was collected between July and October 2002. It was a nationally representative stratified random sample survey of 25,018 respondents, with 50.7% females and 49.3% males. The data was collected by way of a self-administered questionnaire. The non-response rate for the survey was 29.7% with 20.5% not responding to particular questions, 9.0% not participating in the survey and another 0.2% being rejected due to data cleaning. The current research extracted 16,118 people 15 years and older from the survey sample of 25,018 respondents in order to model the determinants of private health insurance coverage in Jamaica. Data were stored, retrieved and analyzed using SPSS for Windows 15.0. A p-value of less than 0.05 was used to establish statistical significance. Descriptive analysis was used to provide baseline information on the sample, and cross-tabulations were used to examine some non-metric variables. Logistic regression was used to identify, determine and establish those factors that influence private health insurance coverage in Jamaica. This study found that approximately 12% of Jamaicans had private health insurance coverage, of which the least health insurance was owned by rural residents (7.5%). Using logistic regression, the findings revealed that twelve variables emerged as statistically significant determinants of health insurance coverage in this sample. These variables are social standing (two weal- thiest quintile: OR = 1.68, 95% CI = 1.23 – 2.30), income (OR = 1.00, 95%CI = 1.00 – 1.00), durable goods (OR = 1.16, 95% CI = 1.12 – 1.19), marital status (married: OR = 1.97, 95% CI = 1.61 – 2.42), area of residence (Peri-urban: OR = 1.45, 95% CI = 1.199 – 1.75;urban: OR = 1.83, 95% CI = 1.40 – 2.40), education (secondary: OR = 1.57, 95% CI = 1.20 – 2.06;tertiary: OR = 9.03, 95% CI = 6.47 – 12.59), social support (OR = 0.64, 95% CI = 0.53 – 0.76), crowding (OR = 1.14, 95% CI = 1.02 – 1.28), psychological conditions (negative affective: OR = 0.97, 95% CI = 0.94 – 1.00;positive affective: OR = 1.11, 95% CI = 1.06 – 1.16), number of males in household (OR = 0.85, 95% CI = 0.77 – 0.93), living arrangements (OR = 0.62, 95% CI = 0.41 – 0.92) and retirement benefits (OR = 1.55, 95% CI = 1.03 – 2.35). This study highlighted the need to address preventative care for the wealthiest, rural residents and the fact that social support is crucial to health care, as well as the fact that medical care costs are borne by the extended family and other social groups in which the individual is (or was) a member, which explains the low demand for health insurance in Jamaica. Private health care in Jamaica is substantially determined by affordability and education rather than illness, and it is a poor measure of the health care- seeking behaviour of Jamaicans.展开更多
This study on the reproductive health statusw asbased on the data from a survey and an exam ination of severalhundredsof fem ale floating residentsin Beijing. The results w ere compared w ith those from fem ale perm a...This study on the reproductive health statusw asbased on the data from a survey and an exam ination of severalhundredsof fem ale floating residentsin Beijing. The results w ere compared w ith those from fem ale perm anent residents in Beijing. The study revealed thatm ostof theinvestigated fem alefloating residentshad lived in Bei- jing w ith their fam ily for threeyearson an average. They had a harderlifethan that of Beijing perm anentresidents. Also they did notreceiveadequateprenatalcaresdur- ing their pregnanciesin Beijing and a quarter of thesem othersdid notreceiveany pre- natal exam ination during their pregnancies at all. Again the fem ales had a great prevalence of reproductive tractinfections, reaching 29.3of thoseexam ined, high- er than the w om en perm anently residing in Beijing.展开更多
Accelerating the construction of ecological civilization and promoting the management of health environment problems is one of the core elements of the implementation of the“Beautiful China”and“Healthy China”strat...Accelerating the construction of ecological civilization and promoting the management of health environment problems is one of the core elements of the implementation of the“Beautiful China”and“Healthy China”strategies with Chinese characteristics in the new era.Based on the scientific connotation of ecological civilization,this paper systematically assesses the level of interprovincial ecological civilization construction in China using the combined CRITIC empowerment method and explores the impact of ecological civilization construction on the health burden of urban and rural residents using interprovincial panel data from 2003 to 2018 with the help of panel feasible generalized least squares,simultaneous equation estimation,and the extended regression model.It is found that there is a significant inverted U-shaped relationship between provincial ecological civilization construction and urban and rural residents’economic health burden,as well as a significant U-shaped relationship between ecological civilization construction and urban and rural residents’disease burden.Fiscal decentralization,urbanization,and industrialization are the three important indirect mechanisms through which ecological civilization affects the health burden of urban and rural residents,and fiscal decentralization plays a typical role in crowding out the health effect of ecological civilization.In the eastern and central regions,ecological civilization construction has effectively reduced the health burden of urban and rural residents,but it is more significant for improving the economic health burden of rural residents.While the“catching-up trend”of the progress of ecological civilization construction in the western region is obvious,ecological civilization plays an important role in alleviating the economic health burden of urban residents.After the robustness test,the conclusion still holds.This study provides an important empirical basis for local governments to improve the accuracy of their policies in promoting the“Beautiful China”and“Healthy China”strategies.展开更多
Previous main body of research on end-life-care in South Korea has focused on developing services quality in hospital settings or service payment system in National Health Insurance Program. The delivery system of hos...Previous main body of research on end-life-care in South Korea has focused on developing services quality in hospital settings or service payment system in National Health Insurance Program. The delivery system of hospice and palliative care services has evolved in diverse ways but there is little research on reviewing the past history of development and whole picture of them so far. So, the aim of this study is to review the old hospice and palliative care system and also to introduce the current one supported by the National Health Insurance Program in South Korea. The palliative care or hospice services in South Korea have been available in diverse settings and provided by different organizations (i.e. catholic hospitals or charity organizations). Finally, it was set up in 2004 that the hospice team or official Palliative Care Units (PCUs) was established in hospitals, in order to meet the end-of-life care for the patients with terminal cancer under the Cancer Control Act. The current hospice and palliative care services such as pain management, bereavement services, and counselling can be reimbursed by National Health Insurance program since 2008. Nevertheless hospice and palliative care services are available to dying patients, yet the utilization rate of hospice and palliative care services or the length of stay in the palliative care unit (PCU) is still relatively short compared to other country systems. South Korea is undergoing several efforts to expand the services in PCU along with the development of quality indicators for PCU. Hospice and palliative care services are still new in the health care system and unfamiliar to the public so it requires raising awareness for medical professionals and the public as well as further research.展开更多
Background: Community-based health insurance (CBHI) schemes are increasingly implemented in low-income settings. These schemes limit the coverage they offer both by the types of care considered, and by applying thresh...Background: Community-based health insurance (CBHI) schemes are increasingly implemented in low-income settings. These schemes limit the coverage they offer both by the types of care considered, and by applying thresholds and/or caps to costs reimbursed. The consequences of these thresholds and/or caps on insurance coverage have hitherto been usually ignored, for lack of data on the distributions of healthcare costs or understanding of their impact on effective coverage levels. This article describes a theoretical model to obtain the distributions even without data collection in the field, and demonstrates the quantitative impact of thresholds and/or caps on claim reimbursements. Methods: This model applies to applications on healthcare expenditures in low-income settings, following research methods examined in the Western world. We looked at hospitalizations and tests;we compared the simulated distributions to empirical data obtained through 11 household surveys conducted between 2008 and 2010 in rural locations (9 in India and 2 in Nepal). Results: We found that the shape of the distributions was very similar in all locations for both benefits, and could be represented by a model based on a lognormal distribution. The agreement between theoretical and empirical results was satisfactory (mostly within 10% difference). Conclusions: The model makes it possible to simulate the expected performance of the CBHI (represented by the percentage of costs or bills covered). The aim is to match costs with local levels of willingness-to-pay for health insurance. This model makes it possible to determine at the stage of package-design the optimal levels of thresholds and/or caps for each benefit-type included.展开更多
The health inequities remain high in India with government and private health expenditures clearly favoring the rich, urban population and organized sector workers and the Out Of Pocket (OOP) spending as high as 80%, ...The health inequities remain high in India with government and private health expenditures clearly favoring the rich, urban population and organized sector workers and the Out Of Pocket (OOP) spending as high as 80%, afflicting the poor in the worst manner. The focus of the paper is to examine the potential Community Based Health Insurance (CBHI) offers to improve the healthcare access to rural, low-income population and the people in unorganized sector. This is done by drawing empirical evidence from various countries on their experiences of implementing CBHI schemes and its potential for applications to India, problems and challenges faced and the policy and management lessons that may be applicable to India. It can be concluded that CBHI schemes have proved to be effective in reducing the Catastrophic Health Expenditure (CHE) of people. But success of such schemes depends on its design, benefit package it offers, its management, economic and non-economic benefits perceived by enrollees and solidarity among community members. Collaboration of government, NGO’s and donor agencies is very crucial in extending coverage;similarly overcoming the mistrust that people have from such schemes and subsidizing the insurance for the many who cannot pay the premiums are important factors for success of CBHI in India. One of the biggest challenges for the health system is to address the piecemeal approach of CBHI schemes in extending health insurance and inability of such schemes to cover a large number of poor and the unorganized sector workers. Also, there is a need for a stronger policy research to demonstrate: 1) how such schemes can create a larger risk pool, 2) how such schemes can enroll a large number of people in the unorganized sector, 3) the interaction of CBHI schemes with other financing schemes and its link to the health system.展开更多
Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insurers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insura...Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insurers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insurance. The new health insurance system aimed to create a more competitive market in which consumers would switch health plans, thereby stimulating insurers to price competition and quality improvement. This article evaluates the switching behavior of Dutch consumers and evaluates whether this behavior is advantageous to the goals of the reform. Methods: Three surveys were conducted: from 2005-2006 (n = 478), 2008-2009 (n = 389), and 2010-2011 (n = 191). Results: In 2005-2006, almost 20 percent of the Dutch consumers switched their insurance company. In between 2006 and 2012, however, the percentage of switchers decreased to less than four percent. The main cause of this decrease is that consumers no longer perceive sufficient differences between insurance companies in terms of premium and service. In addition, consumers have difficulties finding the proper information making the right decision and believe they may not be accepted for the supplementary insurance. Consequently, insurance companies only perceive limited incentives to create a more competitive market. Conclusion: Clear and unambiguous information, combined with an obligatory acceptance for the supplementary insurance might help to improve the potential mobility of Dutch consumers.展开更多
Psychological stress and illness among hospital residences have been subject to increasing scientific scrutiny;however very few studies have been published to describe the extent of health status and psychological str...Psychological stress and illness among hospital residences have been subject to increasing scientific scrutiny;however very few studies have been published to describe the extent of health status and psychological stresses in residents in different specialties especially in our country that our study was mainly focused on this subject. Methods: The study subjects were medical residents in public hospitals covering 14 different specialties in Tehran in 2007. A self-administered questionnaire elicited information related to socio-demographic profile, specialty, duty hours, sleep quality, physical activity level, number of night shifts per month, mood changes, sense of depression after night shifts, fatigue, use of antidepressant and tranquilizer, and their opinion regarding their health status on a 4-point Likert scale. Results: 66.7% of participants were male with the mean age of 32.9 ± 4.2 years. 62.1% of the residents felt mood changes after nightly shifts that could adversely affect their daily living, quality of work, and social relationships. The overall prevalence of the use of antidepressant drugs was 20.0% which was significantly higher in women than men. Also, 24.4% of them reported consumption of sedative and hypnotic drugs. 15.6% reported complete healthy status while 9.4% reported partial illness. Complete healthy status was more reported among the residents of anesthesiology and pediatrics while illness was more reported by residents in pathology field. Residents’ satisfaction with their status was positively correlated with the year of residency and marriage, while dissatisfaction was more reported in divorced ones as well as in those with higher number of nightly shifts. Conclusion: Notable number of hospital residents in Iran experience significant stressors and emotional and mental health problems. Among all studies factors type of specialty, year of residency, female gender, number of nightly shifts, and single marital status were more important than other factors.展开更多
Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness t...Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness to pay, benefit package preferences, and health systems readiness for Insurance Scheme. Methods: A cross-sectional study of 400 heads of households and 43 health workers in Enugu, Southern Nigeria. Results: Awareness of NHIS among the heads of household was 56.8%, while it was 86% among the health workers. Awareness of NHIS among heads of households was significantly associated to both educational level (X<sup>2</sup> = 16.083, P = 0.001), and occupation (X<sup>2</sup> = 5.694, P = 0.017). More males (61.6%) had correct perceptions of NHIS compared to females (58.6%), but not statistically significant (X<sup>2 </sup>= 0.336, P = 0.562). Majority of households respondents 89% are willing to pay for NHIS. Willingness to pay was significantly associated to occupation (X<sup>2</sup> = 5.169, df = 1, P = 0.023), but willingness to pay mandatory 5% premium was not significantly associated to occupation (X<sup>2</sup> = 0.884, P = 347). Only 11.6% of the health facilities are enlisted as providers in the scheme. Conclusion: Willingness to pay was high, but majority are not ready to pay 5% premium of their earnings. Awareness creation programmes should be improved for the public, and more health facilities enlisted for wider coverage.展开更多
Context: To facilitate financial access to care for the population, health insurance mechanisms have been established, in particular the National Health Insurance Institute, which covers civil servants and their depen...Context: To facilitate financial access to care for the population, health insurance mechanisms have been established, in particular the National Health Insurance Institute, which covers civil servants and their dependents. In addition, other voluntary and community mechanisms have been developed. After several years of implementation, the level of catastrophic health expenditures among insured individuals shows that there is still a considerable level of financial risk associated with health care. This study aims to assess the impact of health insurance in Togo on insured populations. Methodology: The data used in this study come from the harmonized survey on household living conditions carried out in 2018 by the National Institute of Statistics, Economic and Demographic Studies. The propensity score matching method was used according to the following steps: estimation of propensity scores, verification of the conditional independence hypothesis (balancing property) and estimation of the average treatment effect on treated. Stata V14.2 software was used. Findings: The average effect of health insurance on household financial protection is −0.012 for the nearest neighbor method, −0.013 for the matching radius method, −0.015 for the Kernel and −0.016 for the stratification method. Results showed that health insurance contributes to reducing catastrophic health expenditures, but their effect remains very limited. This could be explained by the level of care package covered and the cost covered. Conclusion: Health insurance contributes to the reduction of catastrophic health expenses for households. However, it is important to widen the range of care covered and the cost covered. In addition, measures to extend this coverage to a larger proportion of the population will make it possible to have a greater impact.展开更多
Currently, a consumer's monthly premium payment amount remitted to the National Health Insurance is based on the "monthly real wages," while commercial health insurance uses "consumer age" as the basis for the pr...Currently, a consumer's monthly premium payment amount remitted to the National Health Insurance is based on the "monthly real wages," while commercial health insurance uses "consumer age" as the basis for the premium amount charged. In reality, health, salary, and age have no visible connection. Therefore, the insurance premium scheme using salary and age as standards should be improved and adjusted upon. This study uses the Decomposed Theory of Planned Behavior as the research basis, and through the designed questionnaire, investigates the health data gathered from wearable devices and uses big data to process the constructed health assessment indicators. These indicators will be used to analyze whether consumers are willing to contribute to their health insurance using the dynamic payment mechanism. Subsequently, empirical research was performed using hypothesis architecture and structural equation.展开更多
The WHO World Health Assembly, and the most recent WHO World Health Report, have called for all health systems to move toward universal coverage. However, low-income countries have made little progress in this respect...The WHO World Health Assembly, and the most recent WHO World Health Report, have called for all health systems to move toward universal coverage. However, low-income countries have made little progress in this respect. We use existing evidence to describe the evolution of community-based health insurance in low-income countries through the three stages of basic model, enhanced model, and nationwide model. We have concluded that community-based health insurance development is a potential strategy to meet the urgent need for health financing in low-income countries. With careful planning and implementation, it is possible to adopt such evolutionary approach to achieve universal coverage by extending tax-based financing/social insurance characteristics to community-based health insurance schemes.展开更多
<b><span style="font-family:Verdana;">Background</span></b><span style="font-family:;" "=""><span style="font-family:Verdana;">: Inappro...<b><span style="font-family:Verdana;">Background</span></b><span style="font-family:;" "=""><span style="font-family:Verdana;">: Inappropriate use of medicines is a global concern with serious con</span><span style="font-family:Verdana;">sequences related to prescribing, dispensing, and use. WHO estimate</span><span style="font-family:Verdana;">d that 50% of medicines are not used correctly on their journey from the facility to home. </span><b><span style="font-family:Verdana;">Objective</span></b><span style="font-family:Verdana;">: To assess medicines use using WHO drug core indicators rega</span><span><span style="font-family:Verdana;">rding prescribing, patient, and facilities. </span><b><span style="font-family:Verdana;">Setting</span></b><span style="font-family:Verdana;">: Outpatients, Hea</span></span><span style="font-family:Verdana;">lth centers in Wadmadani locality (Urban area) in Gezira State, Sudan. </span><b><span style="font-family:Verdana;">Method</span></b><span style="font-family:Verdana;">: A cross-sectional, prospective, analytical study was conducted in 30 health centers and 60 patients from each center were selected using a simple random sampling technique. WHO indicators form was used to collect data containing different variables. T-test at a level of confidence of 95% was used to test differences between indicators. Statistical Package for Social Science (SPSS) was used for data analysis. </span><b><span style="font-family:Verdana;">Results:</span></b><span style="font-family:Verdana;"> The main prescribing indicators were 2.5 ± 0.6 for drugs per encounter, 44.1% ± 14.2%. Generic 54 ± 18.0 antibiotics, 12.0% ± 9.3% injectable, and 95.2% ± 11.5% of drugs were prescribed according to the NHIF-EML. The main patient’s indicators were, 2.9 ± 0.8 minutes for consultation time, 99.5 ± 36.8 seconds for dispensing time, and 72.5% ± 16.0% for medicines actually dispensed, 49.0% ± 18.0% for medicines adequately labeled, and 22.5% ± 7.3% of the patient’s knowledge about the correct dose. The Facility specific indicators were 66.7% for the availability of a copy of EML, while the percentage of key drugs in the stock was 75.3% ± 11.6%. No statistically significant differences were found between direct and indirect facilities except in generic prescribing. </span><b><span style="font-family:Verdana;">Main Outcome Measure</span></b><span style="font-family:Verdana;">: <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> Interventions to improve Generic and antibiotics prescribing indicators. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The patient-to-physician ratio should be revised to optimize consultation time. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The availability of key drugs should be improved to make sure effective treatment. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The pharmacy cadre should be oriented and trained to improve patients’ compliance. </span><b><span style="font-family:Verdana;">Conclusion</span></b><span style="font-family:Verdana;">: The study concluded that there was irrational use of medicines when investigated by WHO drug core indicators. So, the study recommended interventions to improve the rationale prescribing, dispensing, and use of medicines.</span></span>展开更多
Introduction: The launch of health insurance in the Republic of the Congo took place against a backdrop of extremely high costs for dialysis, which was not one of the services financed within this framework. The aim o...Introduction: The launch of health insurance in the Republic of the Congo took place against a backdrop of extremely high costs for dialysis, which was not one of the services financed within this framework. The aim of this study is to assess the impact of including dialysis in the health insurance package in Congo. Methodology: This is a descriptive cross-sectional study with an evaluative aim, analyzing the impact of dialysis on the financing capacity of health insurance and health facilities to provide this type of care. Results: The results show that including dialysis in the universal health insurance package will require an additional financial effort of 6.20% of the current total financing capacity of the care basket. Most dialysis sessions are provided by the private health sector (87.5%), whose health facilities are unevenly distributed across the country, and concentrated in the country’s two major cities. This problem is the dual consequence of the very high cost of a dialysis session (average cost 140,234,375 FCFA or 229 US Dollars) and the number of patients under care, which will increase in the absence of effective and ongoing prevention efforts against chronic diseases in general and end-stage renal failure in particular. Conclusion: Dialysis is a high-impact public health intervention. The impact of its inclusion in the universal health insurance care package is difficult to bear financially. For dialysis to be covered by universal health insurance, additional funding and improved technical facilities are needed.展开更多
Health insurance is a mechanism by which a person protects himself from financial loss caused due to accident and/or disability.The chairman of Insurance Regulatory and Development Authority(IRDA)has mentioned that lo...Health insurance is a mechanism by which a person protects himself from financial loss caused due to accident and/or disability.The chairman of Insurance Regulatory and Development Authority(IRDA)has mentioned that low consumer awareness and insufficient healthcare infrastructure are the major hindrances to widen the reach of healthcare insurance in India.Healthcare costs have witnessed a phenomenal rise in the current times.This has led the customers to insure not only themselves but their family members for any future medical expenses and other related requirements.The need to insure assumes is more importance for older generations who are either retired or will be retired in near future.Given high health cost,it is important for us to get covered for health risks.With this,a good insurance policy is needed to cover doctor's visit,laboratory tests,hospital stays and diagnostic tests.There are quite a few companies covering health risks with good insurance policies.Health insurance(popularly known as Mediclaim)offers protection in case of unexpected medical emergencies.In case of a sudden illness or accident,the health insurance policy takes care of the hospitalization,medical and other costs incurred.Thus,health insurance to be introduced to all consumers in India to protect them from financial loss caused by unfortunate incidents.展开更多
Objective: To systematically investigate the prevalence of health literacy of Chinese residents for infectious disease between 2011 and 2015. Methods: The eligible studies were identified by searching China National...Objective: To systematically investigate the prevalence of health literacy of Chinese residents for infectious disease between 2011 and 2015. Methods: The eligible studies were identified by searching China National Knowledge Infrastructure (CNKI), Wanfang database and Chinese Scientific and Technical Periodicals Database. After abstracted in- formation and appraised the risk of bias of all eligible studies, Stata software versionl2.0 was used to perform statistical analysis. Results: A total of 35 cross-sectional studies, including 94631 residents, were finally included in the present study. All eligible studies were appraised as to have the quality of more than 14 grades. Meta-analysis revealed that the prevalence of health literacy of Chinese residents for infectious disease between 2011 and 2015 was 20.00% (95% CI, 18% to 23%). Conclusion: The prevalence of health literacy of Chinese resident for infectious disease be- tween 2011 and 2015 are extremely low. And thus, it is essential to take targeted health education program depending on the characteristics of diverse group of people in order to improve the overall health of Chinese resident.展开更多
基金The authors acknowledge the financial support of the Dutch Research Council(NWO-WOTRO)(Grant No.W07.45.103.00)and the support of D.P.Hoijer Fonds,Erasmus Trustfonds,Erasmus University Rotterdam.
文摘Objectives This paper aims to investigate the effects of enrollment in the Ethiopian community-based health insurance(CBHI)scheme on household preventive care activities and the timing of treatment-seeking behavior for illness symptoms.There is growing concern about the financial sustainability of CBHI schemes in developing countries.However,few empirical studies have identified potential contributors,including ex-ante and ex-post moral hazards.Methods We implement a household fixed-effect panel data regression model,drawing on three rounds of household survey data collected face to face in districts where CBHI scheme is operational and in districts where it is not operational in Ethiopia.Results The findings show that enrolment in CBHI does not significantly influence household behaviour regarding preventive care activities such as water treatment before drinking and handwashing before meals.However,CBHI significantly increases delay in treatment-seeking behaviour for diseases symptoms.Particularly,on average,we estimate about 4-6 h delay for malaria symptoms,a little above 4 h for tetanus,and 10-11 h for tuberculosis among the insured households.Conclusions While there is evidence that CBHI improve the utilization of outpatient or primary care services,our study suggests that insured members may wait longer before visiting health facilities.This delay could be partly due to moral hazard problems,as insured households,particularly those from rural areas,may consider the opportunity costs associated with visiting health facilities for minor symptoms.Overall,it is essential to identify the primary causes of delays in seeking medical services and implement appropriate interventions to encourage insured individuals to seek early medical attention.
文摘The basic medical insurance system for urban residents is an important part of China's social security system.This article analyzes the problems which existing in the basic medical insurance system for urban residents and puts forward the corresponding countermeasures.
文摘Objective Acute aortic dissection (AAD) is a catastrophic event with high early mortality rate, but to date, no data on the incidence of AAD in China's Mainland is available. This study aimed to estimate the incidence of AAD in China and characterize the clinical profile, management and in-hospital outcomes of this vascular event. Methods We used the China Health Insurance Research Data (the CHIRA Data) 2011 which comprises all inpatient hospital records (300,886) during the period of Jan. 1st 2011 to Dec. 31 2011 of 3,335,000 randomly sampled beneficiaries (1,718,500 men and 1,616,500 women) from 25 cities and counties in different economic-geographic regions of China's Mainland. Patients with acute aortic dissection were identified according to International Classification of Disease 10m Revision (ICD-10) of I71.0, The estimated incidence of AAD was calculated using the equation: estimated incidence = 2.0 × (40% × hospital admission rate) + 60% × hospital admission rate. Results The hospital admission rate was 2.0/100,000 (65/3,325,000, 95% CI: 1.2-2.8). The estimated annual incidence of AAD was 2.8/100,000 (95% CI: 1.9-3.6) and was higher in male than in female (3.7 vs. 1.5, P 〈 0.001). The mean age was 58.9 ± 13.4 years. During the mean hospital stay of 23 ±6 days, the overall in-hospital mortality was 13.9% (9/65). Conclusions Our study showed relatively lower but not negligible incidence and in-hospital mortality of AAD in the mainland of China. The mean age of patients with AAD in Chinese was younger than that reported by researches from west countries, while the male to female incidence ratio is similar to those reported by other studies.
文摘The purpose of the current study was to model the health insurance coverage of Jamaicans;and to identify the determinants, strength and predictive power of the model in order to aid clinicians and other health practitioners in understanding those who have health insurance coverage. This study utilized secondary data taken from the dataset of the Jamaica Survey of Living Conditions which was collected between July and October 2002. It was a nationally representative stratified random sample survey of 25,018 respondents, with 50.7% females and 49.3% males. The data was collected by way of a self-administered questionnaire. The non-response rate for the survey was 29.7% with 20.5% not responding to particular questions, 9.0% not participating in the survey and another 0.2% being rejected due to data cleaning. The current research extracted 16,118 people 15 years and older from the survey sample of 25,018 respondents in order to model the determinants of private health insurance coverage in Jamaica. Data were stored, retrieved and analyzed using SPSS for Windows 15.0. A p-value of less than 0.05 was used to establish statistical significance. Descriptive analysis was used to provide baseline information on the sample, and cross-tabulations were used to examine some non-metric variables. Logistic regression was used to identify, determine and establish those factors that influence private health insurance coverage in Jamaica. This study found that approximately 12% of Jamaicans had private health insurance coverage, of which the least health insurance was owned by rural residents (7.5%). Using logistic regression, the findings revealed that twelve variables emerged as statistically significant determinants of health insurance coverage in this sample. These variables are social standing (two weal- thiest quintile: OR = 1.68, 95% CI = 1.23 – 2.30), income (OR = 1.00, 95%CI = 1.00 – 1.00), durable goods (OR = 1.16, 95% CI = 1.12 – 1.19), marital status (married: OR = 1.97, 95% CI = 1.61 – 2.42), area of residence (Peri-urban: OR = 1.45, 95% CI = 1.199 – 1.75;urban: OR = 1.83, 95% CI = 1.40 – 2.40), education (secondary: OR = 1.57, 95% CI = 1.20 – 2.06;tertiary: OR = 9.03, 95% CI = 6.47 – 12.59), social support (OR = 0.64, 95% CI = 0.53 – 0.76), crowding (OR = 1.14, 95% CI = 1.02 – 1.28), psychological conditions (negative affective: OR = 0.97, 95% CI = 0.94 – 1.00;positive affective: OR = 1.11, 95% CI = 1.06 – 1.16), number of males in household (OR = 0.85, 95% CI = 0.77 – 0.93), living arrangements (OR = 0.62, 95% CI = 0.41 – 0.92) and retirement benefits (OR = 1.55, 95% CI = 1.03 – 2.35). This study highlighted the need to address preventative care for the wealthiest, rural residents and the fact that social support is crucial to health care, as well as the fact that medical care costs are borne by the extended family and other social groups in which the individual is (or was) a member, which explains the low demand for health insurance in Jamaica. Private health care in Jamaica is substantially determined by affordability and education rather than illness, and it is a poor measure of the health care- seeking behaviour of Jamaicans.
文摘This study on the reproductive health statusw asbased on the data from a survey and an exam ination of severalhundredsof fem ale floating residentsin Beijing. The results w ere compared w ith those from fem ale perm anent residents in Beijing. The study revealed thatm ostof theinvestigated fem alefloating residentshad lived in Bei- jing w ith their fam ily for threeyearson an average. They had a harderlifethan that of Beijing perm anentresidents. Also they did notreceiveadequateprenatalcaresdur- ing their pregnanciesin Beijing and a quarter of thesem othersdid notreceiveany pre- natal exam ination during their pregnancies at all. Again the fem ales had a great prevalence of reproductive tractinfections, reaching 29.3of thoseexam ined, high- er than the w om en perm anently residing in Beijing.
基金supported by the key program of the National Social Science Foundation of China“Research on the Theoretical Basis and Index System of Building a Modern Economic System in the New Era”[Grant number.18XKS009]the Foundation of Sichuan Provincial Soft Science Research“Research on the transformation path of high-quality development of new economy enterprises in Sichuan from the perspective of double cycle”[Grant number.2022JDR0261].
文摘Accelerating the construction of ecological civilization and promoting the management of health environment problems is one of the core elements of the implementation of the“Beautiful China”and“Healthy China”strategies with Chinese characteristics in the new era.Based on the scientific connotation of ecological civilization,this paper systematically assesses the level of interprovincial ecological civilization construction in China using the combined CRITIC empowerment method and explores the impact of ecological civilization construction on the health burden of urban and rural residents using interprovincial panel data from 2003 to 2018 with the help of panel feasible generalized least squares,simultaneous equation estimation,and the extended regression model.It is found that there is a significant inverted U-shaped relationship between provincial ecological civilization construction and urban and rural residents’economic health burden,as well as a significant U-shaped relationship between ecological civilization construction and urban and rural residents’disease burden.Fiscal decentralization,urbanization,and industrialization are the three important indirect mechanisms through which ecological civilization affects the health burden of urban and rural residents,and fiscal decentralization plays a typical role in crowding out the health effect of ecological civilization.In the eastern and central regions,ecological civilization construction has effectively reduced the health burden of urban and rural residents,but it is more significant for improving the economic health burden of rural residents.While the“catching-up trend”of the progress of ecological civilization construction in the western region is obvious,ecological civilization plays an important role in alleviating the economic health burden of urban residents.After the robustness test,the conclusion still holds.This study provides an important empirical basis for local governments to improve the accuracy of their policies in promoting the“Beautiful China”and“Healthy China”strategies.
文摘Previous main body of research on end-life-care in South Korea has focused on developing services quality in hospital settings or service payment system in National Health Insurance Program. The delivery system of hospice and palliative care services has evolved in diverse ways but there is little research on reviewing the past history of development and whole picture of them so far. So, the aim of this study is to review the old hospice and palliative care system and also to introduce the current one supported by the National Health Insurance Program in South Korea. The palliative care or hospice services in South Korea have been available in diverse settings and provided by different organizations (i.e. catholic hospitals or charity organizations). Finally, it was set up in 2004 that the hospice team or official Palliative Care Units (PCUs) was established in hospitals, in order to meet the end-of-life care for the patients with terminal cancer under the Cancer Control Act. The current hospice and palliative care services such as pain management, bereavement services, and counselling can be reimbursed by National Health Insurance program since 2008. Nevertheless hospice and palliative care services are available to dying patients, yet the utilization rate of hospice and palliative care services or the length of stay in the palliative care unit (PCU) is still relatively short compared to other country systems. South Korea is undergoing several efforts to expand the services in PCU along with the development of quality indicators for PCU. Hospice and palliative care services are still new in the health care system and unfamiliar to the public so it requires raising awareness for medical professionals and the public as well as further research.
文摘Background: Community-based health insurance (CBHI) schemes are increasingly implemented in low-income settings. These schemes limit the coverage they offer both by the types of care considered, and by applying thresholds and/or caps to costs reimbursed. The consequences of these thresholds and/or caps on insurance coverage have hitherto been usually ignored, for lack of data on the distributions of healthcare costs or understanding of their impact on effective coverage levels. This article describes a theoretical model to obtain the distributions even without data collection in the field, and demonstrates the quantitative impact of thresholds and/or caps on claim reimbursements. Methods: This model applies to applications on healthcare expenditures in low-income settings, following research methods examined in the Western world. We looked at hospitalizations and tests;we compared the simulated distributions to empirical data obtained through 11 household surveys conducted between 2008 and 2010 in rural locations (9 in India and 2 in Nepal). Results: We found that the shape of the distributions was very similar in all locations for both benefits, and could be represented by a model based on a lognormal distribution. The agreement between theoretical and empirical results was satisfactory (mostly within 10% difference). Conclusions: The model makes it possible to simulate the expected performance of the CBHI (represented by the percentage of costs or bills covered). The aim is to match costs with local levels of willingness-to-pay for health insurance. This model makes it possible to determine at the stage of package-design the optimal levels of thresholds and/or caps for each benefit-type included.
文摘The health inequities remain high in India with government and private health expenditures clearly favoring the rich, urban population and organized sector workers and the Out Of Pocket (OOP) spending as high as 80%, afflicting the poor in the worst manner. The focus of the paper is to examine the potential Community Based Health Insurance (CBHI) offers to improve the healthcare access to rural, low-income population and the people in unorganized sector. This is done by drawing empirical evidence from various countries on their experiences of implementing CBHI schemes and its potential for applications to India, problems and challenges faced and the policy and management lessons that may be applicable to India. It can be concluded that CBHI schemes have proved to be effective in reducing the Catastrophic Health Expenditure (CHE) of people. But success of such schemes depends on its design, benefit package it offers, its management, economic and non-economic benefits perceived by enrollees and solidarity among community members. Collaboration of government, NGO’s and donor agencies is very crucial in extending coverage;similarly overcoming the mistrust that people have from such schemes and subsidizing the insurance for the many who cannot pay the premiums are important factors for success of CBHI in India. One of the biggest challenges for the health system is to address the piecemeal approach of CBHI schemes in extending health insurance and inability of such schemes to cover a large number of poor and the unorganized sector workers. Also, there is a need for a stronger policy research to demonstrate: 1) how such schemes can create a larger risk pool, 2) how such schemes can enroll a large number of people in the unorganized sector, 3) the interaction of CBHI schemes with other financing schemes and its link to the health system.
文摘Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insurers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insurance. The new health insurance system aimed to create a more competitive market in which consumers would switch health plans, thereby stimulating insurers to price competition and quality improvement. This article evaluates the switching behavior of Dutch consumers and evaluates whether this behavior is advantageous to the goals of the reform. Methods: Three surveys were conducted: from 2005-2006 (n = 478), 2008-2009 (n = 389), and 2010-2011 (n = 191). Results: In 2005-2006, almost 20 percent of the Dutch consumers switched their insurance company. In between 2006 and 2012, however, the percentage of switchers decreased to less than four percent. The main cause of this decrease is that consumers no longer perceive sufficient differences between insurance companies in terms of premium and service. In addition, consumers have difficulties finding the proper information making the right decision and believe they may not be accepted for the supplementary insurance. Consequently, insurance companies only perceive limited incentives to create a more competitive market. Conclusion: Clear and unambiguous information, combined with an obligatory acceptance for the supplementary insurance might help to improve the potential mobility of Dutch consumers.
文摘Psychological stress and illness among hospital residences have been subject to increasing scientific scrutiny;however very few studies have been published to describe the extent of health status and psychological stresses in residents in different specialties especially in our country that our study was mainly focused on this subject. Methods: The study subjects were medical residents in public hospitals covering 14 different specialties in Tehran in 2007. A self-administered questionnaire elicited information related to socio-demographic profile, specialty, duty hours, sleep quality, physical activity level, number of night shifts per month, mood changes, sense of depression after night shifts, fatigue, use of antidepressant and tranquilizer, and their opinion regarding their health status on a 4-point Likert scale. Results: 66.7% of participants were male with the mean age of 32.9 ± 4.2 years. 62.1% of the residents felt mood changes after nightly shifts that could adversely affect their daily living, quality of work, and social relationships. The overall prevalence of the use of antidepressant drugs was 20.0% which was significantly higher in women than men. Also, 24.4% of them reported consumption of sedative and hypnotic drugs. 15.6% reported complete healthy status while 9.4% reported partial illness. Complete healthy status was more reported among the residents of anesthesiology and pediatrics while illness was more reported by residents in pathology field. Residents’ satisfaction with their status was positively correlated with the year of residency and marriage, while dissatisfaction was more reported in divorced ones as well as in those with higher number of nightly shifts. Conclusion: Notable number of hospital residents in Iran experience significant stressors and emotional and mental health problems. Among all studies factors type of specialty, year of residency, female gender, number of nightly shifts, and single marital status were more important than other factors.
文摘Introduction: Several Nigerians are completely denied access to adequate health care because of cultural, temporal and financial factors with inequity. Objectives: To ascertain the household perceptions, willingness to pay, benefit package preferences, and health systems readiness for Insurance Scheme. Methods: A cross-sectional study of 400 heads of households and 43 health workers in Enugu, Southern Nigeria. Results: Awareness of NHIS among the heads of household was 56.8%, while it was 86% among the health workers. Awareness of NHIS among heads of households was significantly associated to both educational level (X<sup>2</sup> = 16.083, P = 0.001), and occupation (X<sup>2</sup> = 5.694, P = 0.017). More males (61.6%) had correct perceptions of NHIS compared to females (58.6%), but not statistically significant (X<sup>2 </sup>= 0.336, P = 0.562). Majority of households respondents 89% are willing to pay for NHIS. Willingness to pay was significantly associated to occupation (X<sup>2</sup> = 5.169, df = 1, P = 0.023), but willingness to pay mandatory 5% premium was not significantly associated to occupation (X<sup>2</sup> = 0.884, P = 347). Only 11.6% of the health facilities are enlisted as providers in the scheme. Conclusion: Willingness to pay was high, but majority are not ready to pay 5% premium of their earnings. Awareness creation programmes should be improved for the public, and more health facilities enlisted for wider coverage.
文摘Context: To facilitate financial access to care for the population, health insurance mechanisms have been established, in particular the National Health Insurance Institute, which covers civil servants and their dependents. In addition, other voluntary and community mechanisms have been developed. After several years of implementation, the level of catastrophic health expenditures among insured individuals shows that there is still a considerable level of financial risk associated with health care. This study aims to assess the impact of health insurance in Togo on insured populations. Methodology: The data used in this study come from the harmonized survey on household living conditions carried out in 2018 by the National Institute of Statistics, Economic and Demographic Studies. The propensity score matching method was used according to the following steps: estimation of propensity scores, verification of the conditional independence hypothesis (balancing property) and estimation of the average treatment effect on treated. Stata V14.2 software was used. Findings: The average effect of health insurance on household financial protection is −0.012 for the nearest neighbor method, −0.013 for the matching radius method, −0.015 for the Kernel and −0.016 for the stratification method. Results showed that health insurance contributes to reducing catastrophic health expenditures, but their effect remains very limited. This could be explained by the level of care package covered and the cost covered. Conclusion: Health insurance contributes to the reduction of catastrophic health expenses for households. However, it is important to widen the range of care covered and the cost covered. In addition, measures to extend this coverage to a larger proportion of the population will make it possible to have a greater impact.
文摘Currently, a consumer's monthly premium payment amount remitted to the National Health Insurance is based on the "monthly real wages," while commercial health insurance uses "consumer age" as the basis for the premium amount charged. In reality, health, salary, and age have no visible connection. Therefore, the insurance premium scheme using salary and age as standards should be improved and adjusted upon. This study uses the Decomposed Theory of Planned Behavior as the research basis, and through the designed questionnaire, investigates the health data gathered from wearable devices and uses big data to process the constructed health assessment indicators. These indicators will be used to analyze whether consumers are willing to contribute to their health insurance using the dynamic payment mechanism. Subsequently, empirical research was performed using hypothesis architecture and structural equation.
文摘The WHO World Health Assembly, and the most recent WHO World Health Report, have called for all health systems to move toward universal coverage. However, low-income countries have made little progress in this respect. We use existing evidence to describe the evolution of community-based health insurance in low-income countries through the three stages of basic model, enhanced model, and nationwide model. We have concluded that community-based health insurance development is a potential strategy to meet the urgent need for health financing in low-income countries. With careful planning and implementation, it is possible to adopt such evolutionary approach to achieve universal coverage by extending tax-based financing/social insurance characteristics to community-based health insurance schemes.
文摘<b><span style="font-family:Verdana;">Background</span></b><span style="font-family:;" "=""><span style="font-family:Verdana;">: Inappropriate use of medicines is a global concern with serious con</span><span style="font-family:Verdana;">sequences related to prescribing, dispensing, and use. WHO estimate</span><span style="font-family:Verdana;">d that 50% of medicines are not used correctly on their journey from the facility to home. </span><b><span style="font-family:Verdana;">Objective</span></b><span style="font-family:Verdana;">: To assess medicines use using WHO drug core indicators rega</span><span><span style="font-family:Verdana;">rding prescribing, patient, and facilities. </span><b><span style="font-family:Verdana;">Setting</span></b><span style="font-family:Verdana;">: Outpatients, Hea</span></span><span style="font-family:Verdana;">lth centers in Wadmadani locality (Urban area) in Gezira State, Sudan. </span><b><span style="font-family:Verdana;">Method</span></b><span style="font-family:Verdana;">: A cross-sectional, prospective, analytical study was conducted in 30 health centers and 60 patients from each center were selected using a simple random sampling technique. WHO indicators form was used to collect data containing different variables. T-test at a level of confidence of 95% was used to test differences between indicators. Statistical Package for Social Science (SPSS) was used for data analysis. </span><b><span style="font-family:Verdana;">Results:</span></b><span style="font-family:Verdana;"> The main prescribing indicators were 2.5 ± 0.6 for drugs per encounter, 44.1% ± 14.2%. Generic 54 ± 18.0 antibiotics, 12.0% ± 9.3% injectable, and 95.2% ± 11.5% of drugs were prescribed according to the NHIF-EML. The main patient’s indicators were, 2.9 ± 0.8 minutes for consultation time, 99.5 ± 36.8 seconds for dispensing time, and 72.5% ± 16.0% for medicines actually dispensed, 49.0% ± 18.0% for medicines adequately labeled, and 22.5% ± 7.3% of the patient’s knowledge about the correct dose. The Facility specific indicators were 66.7% for the availability of a copy of EML, while the percentage of key drugs in the stock was 75.3% ± 11.6%. No statistically significant differences were found between direct and indirect facilities except in generic prescribing. </span><b><span style="font-family:Verdana;">Main Outcome Measure</span></b><span style="font-family:Verdana;">: <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> Interventions to improve Generic and antibiotics prescribing indicators. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The patient-to-physician ratio should be revised to optimize consultation time. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The availability of key drugs should be improved to make sure effective treatment. <span style="white-space:nowrap;"><span style="white-space:nowrap;">•</span></span> The pharmacy cadre should be oriented and trained to improve patients’ compliance. </span><b><span style="font-family:Verdana;">Conclusion</span></b><span style="font-family:Verdana;">: The study concluded that there was irrational use of medicines when investigated by WHO drug core indicators. So, the study recommended interventions to improve the rationale prescribing, dispensing, and use of medicines.</span></span>
文摘Introduction: The launch of health insurance in the Republic of the Congo took place against a backdrop of extremely high costs for dialysis, which was not one of the services financed within this framework. The aim of this study is to assess the impact of including dialysis in the health insurance package in Congo. Methodology: This is a descriptive cross-sectional study with an evaluative aim, analyzing the impact of dialysis on the financing capacity of health insurance and health facilities to provide this type of care. Results: The results show that including dialysis in the universal health insurance package will require an additional financial effort of 6.20% of the current total financing capacity of the care basket. Most dialysis sessions are provided by the private health sector (87.5%), whose health facilities are unevenly distributed across the country, and concentrated in the country’s two major cities. This problem is the dual consequence of the very high cost of a dialysis session (average cost 140,234,375 FCFA or 229 US Dollars) and the number of patients under care, which will increase in the absence of effective and ongoing prevention efforts against chronic diseases in general and end-stage renal failure in particular. Conclusion: Dialysis is a high-impact public health intervention. The impact of its inclusion in the universal health insurance care package is difficult to bear financially. For dialysis to be covered by universal health insurance, additional funding and improved technical facilities are needed.
文摘Health insurance is a mechanism by which a person protects himself from financial loss caused due to accident and/or disability.The chairman of Insurance Regulatory and Development Authority(IRDA)has mentioned that low consumer awareness and insufficient healthcare infrastructure are the major hindrances to widen the reach of healthcare insurance in India.Healthcare costs have witnessed a phenomenal rise in the current times.This has led the customers to insure not only themselves but their family members for any future medical expenses and other related requirements.The need to insure assumes is more importance for older generations who are either retired or will be retired in near future.Given high health cost,it is important for us to get covered for health risks.With this,a good insurance policy is needed to cover doctor's visit,laboratory tests,hospital stays and diagnostic tests.There are quite a few companies covering health risks with good insurance policies.Health insurance(popularly known as Mediclaim)offers protection in case of unexpected medical emergencies.In case of a sudden illness or accident,the health insurance policy takes care of the hospitalization,medical and other costs incurred.Thus,health insurance to be introduced to all consumers in India to protect them from financial loss caused by unfortunate incidents.
文摘Objective: To systematically investigate the prevalence of health literacy of Chinese residents for infectious disease between 2011 and 2015. Methods: The eligible studies were identified by searching China National Knowledge Infrastructure (CNKI), Wanfang database and Chinese Scientific and Technical Periodicals Database. After abstracted in- formation and appraised the risk of bias of all eligible studies, Stata software versionl2.0 was used to perform statistical analysis. Results: A total of 35 cross-sectional studies, including 94631 residents, were finally included in the present study. All eligible studies were appraised as to have the quality of more than 14 grades. Meta-analysis revealed that the prevalence of health literacy of Chinese residents for infectious disease between 2011 and 2015 was 20.00% (95% CI, 18% to 23%). Conclusion: The prevalence of health literacy of Chinese resident for infectious disease be- tween 2011 and 2015 are extremely low. And thus, it is essential to take targeted health education program depending on the characteristics of diverse group of people in order to improve the overall health of Chinese resident.