Opinion

Health insurance

Health insurance

By Eduardo P. Banzon

Traditionally, social health insurance was defined as a health financing scheme that mobilises resources with mandatory payroll taxes or insurance contributions. However, what we are now seeing is countries using social health insurance more as a mechanism to blend government budgetary allocations, mandatory insurance contributions and voluntary insurance premiums into a health insurance fund that purchases health services efficiently and equitably while demanding quality from both public and private health care providers. With the expanding reliance on government budgetary allocations given large informal populations that are subsidized, this approach is increasing described as national health insurance systems rather than social health insurance schemes. In the last few years, Indonesia, the Philippines and Viet Nam have scaled up the implementation of national health insurance systems with their respective single health insurer... — blogs.adb.org/blog