2024-06-16 07:30:14
Din a current newspaper Likelihood, Camille Mosse, well being market analyst, provide “Future collaborations between private and non-private to raised perceive well being points”, on this case well being care. Mrs. Mosse, a frontrunner inside the well being trade, emphasised that these collaborations are favored by the leaders of the Nationwide Well being Insurance coverage Fund (CNAM) and Social Safety.
Nevertheless, insurance coverage and co-insurance wouldn’t have the identical effectiveness as obligatory medical health insurance. Switch to personal firms (insurance coverage or personal) a part of the bills linked to the remedy of sufferers affected by long-term ailments (ALD) – that’s to say 100% of the Medical insurance – will definitely cut back the recognition ” “Safety Gap” and deficit in public funding assessed by many Europeans or raters, with ALD positions that account for 66% of compensation bills.
However this may solely be a burden switch to the complementary medical health insurance, which is not going to fail to go on the rise in bills to the contributions of the insurance coverage. The switch of medical health insurance funding to the personal sector is not going to cut back well being spending and can worsen inequalities in entry to care.
Promoting prices and dividends
In well being, the addition of personal gamers is a supply of extra bills, their administration prices are increased than these of the Social Safety. In 2019, the latter allotted 3.4% of its funds to administrative prices, in comparison with 20.3% for personal supplementary insurance coverage (16% of turnover for provide firms, 19% for relations and 22% for firms insurance coverage service).
These important administrative prices for complementary medical health insurance could be defined partly by the price of promoting and introducing new prospects in a aggressive market, but additionally by the truth that for-profit insurance coverage firms (supplier insurance coverage, insurance coverage) pay dividends to their shareholders.
Monetary gamers, and specifically insurance coverage firms, see within the measures proposed the potential for a brand new market, as a result of the departure from medical health insurance will lead France to take part in medical health insurance contracts on which the area will rely upon the quantity of contract you select. . The richest, who’re statistically the least sick, will profit from a great atmosphere, whereas the poor could have little safety. The chance is abandonment of take care of sufferers with insufficient insurance coverage. That is already the case for non-reimbursed native care, just like the American insurance coverage mannequin, which President Obama tried to finish.
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