Download Beyond Survival: Protecting Households from Health Shocks by Christian Baeza, Truman Packard, Fernando Montenegro-torres PDF

By Christian Baeza, Truman Packard, Fernando Montenegro-torres

'Beyond Survival' breaks new flooring within the ongoing debate approximately healthiness finance and monetary defense from the prices of healthiness care. The proof and dialogue help the necessity to give some thought to monetary defense, as well as wellbeing and fitness prestige, as a coverage goal while surroundings priorities for overall healthiness platforms. This booklet stories the Latin American adventure with health and wellbeing reform within the final twenty years and the basics of well-being approach financing, utilizing new proof to teach the value and mechanisms that confirm the impoverishing results of future health occasions (diseases, injuries, and people of the lifestyles cycle). It offers techniques for coverage makers on tips on how to guard, and support family to guard themselves,against this impoverishment. The authors use empirical proof from six case experiences commissioned for this record, on Argentina, Chile, Colombia, Ecuador, Honduras, and Mexico. This e-book presents coverage makers with a superb conceptual foundation for judgements at the contents of essential medical insurance gain programs, offerings of financing mechanisms, and the jobs of public coverage during this box. 'Beyond Survival' offers an in-depth research of, and organizational choices for, probability pooling and medical insurance for monetary defense. It analyzes the pressing have to expand threat pooling to the casual zone, the demanding situations for present social assurance preparations, and suggestions for coverage makers to successfully expand probability pooling to the casual region.

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Additional info for Beyond Survival: Protecting Households from Health Shocks (Latin American Development)

Example text

The amount of resources that correct alignment might make available is an empirical question for each country to answer and might vary greatly depending on each country’s current social insurance entitlements. POLICY MAKERS as well as households have alternative options for protection against the potential losses from a health shock: prevention, saving, and risk pooling. Risk pooling is a common public policy intervention. Risk pooling is most effectively used to cover treatment of relatively rare but costly health events.

Capacity to pay is understood as the contribution amount that would not plunge the individual into poverty and thus prevent purchases of other vital services and goods. Because the risk of requiring health care services increases with age, it may exceed an individual’s capacity to pay. At point “A” in the figure, the individual (or household) would not need a subsidy to pay for the package. To the right of this point, the individual needs a subsidy to finance and gain access to needed services without incurring a ruinous expenditure or contribution.

However, solving these inconsistencies will take time and in the short run it may be more important (and more feasible) to introduce changes in purchasing, pool size, and regulations governing existing arrangements than to attempt rapid shifts from one type of arrangement to another. EXECUTIVE SUMMARY 9 POLICY MAKERS in LAC need to dwell less on which risk-pooling arrangement they should pursue and concentrate much more on how the specifics of the financing functions work to improve people’s health status and protect them financially.

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