Health Insurance Worldwide: Experience and Implications Mark

Health Insurance Worldwide: Experience and Implications Mark

Health Insurance Worldwide:
Experience and Implications
Mark Bassett
Group Director of Public Policy
Beijing, 9 November 2010
Dimensions of health insurance
Carrier type
Level of
compulsion
Role or function
of insurance
Scope of
insurance
Subscription
type
Insurance
term
Payment
basis
• Mandatory
• Voluntary
• Primary
• Additional
Scope of
• Social care
• Long term
• Purchasing
• None
• Age rated
• Flat rated
Sou
ce Mark
a Bassett,
assett, Presentation
ese tat o at 13
3th International
te at o a Development
e e op e t
Source:
Conference, Kennedy School of Government, Harvard University
2006.
• Pooling
• Re-insurance
• Provider payments
Regulation
R
l ti
• Deductibles and co-payments
• Product
P d tb
benefits
fit
• Price
• Solvency
External
subsidies
External
• Risk rated
• Collection
functions
Risk sharing
• Household
• Annual
• For profit
• Allocation
• Personal
• Group
• Not for profit
financing
• Personal health services
• Public health
• Public
liabilities
• None
• Premium subsidy
• Tax relief
• Donor support
• None
• Risk equalisation Fund
• Corporation Tax
Life expectancy at birth against per capita total
health expenditure
Selected risks in health insurance
Debt by country, 2008
Bupa’s international footprint
United Kingdom
Bupa Health & Wellbeing
UK Care Services
Bupa Health Assurance
Bupa Home Healthcare
Bupa Health Dialog
Cromwell Hospital
Insurance businesses
Provision businesses
France
Health Dialog CNAMTS
Integrated health services
China
Representative
Office Beijing
US
Health Dialog
Hong Kong
Bupa Hong Kong
Spain
Sanitas
S it H
Sanitas
Hospitals
it l
Sanitas
Residencial
Thailand
Bupa Thailand
Australia
Bupa Australia /
MBF
Bupa Care
Services Australia
Latin America
Bupa Latin America
(Offices in Miami, USA; Mexico;
Ecuador; Bolivia; Dominican
Republic)
p
)
6
International
Bupa International
Denmark
Bupa Scandinavia
(Offices in Brighton, England; Copenhagen, Denmark;
Dubai, UAE; Cairo, Egypt; and Hong Kong, China)
India
Max Bupa
Saudi Arabia
Bupa Arabia
New Zealand
Bupa Care Services
NZ
Contact
Mark Bassett
Group Director of Public Policy
Bupa
bassettm@bupa.com
b
tt @b
+44 20 7656 2491