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A comparison of different health insurance systems and their feasibility for Hong KongYang, Shui-lam., 楊瑞琳. January 1992 (has links)
published_or_final_version / Social Work / Master / Master of Social Work
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High-risk insurance pool : a systematic review and assessment on efficiency and equity in healthcareNg, Mei-ni, 吳美妮 January 2014 (has links)
To enable high-risk individuals to have access to private health insurance, the Hong Kong government has announced the establishment of a high-risk pool reinsurance mechanism. Under the voluntary and government-regulated insurance program, “Health Protection Scheme”, the high-risk pool will accept individuals with pre-existing medical conditions or higher health risks. Critics have long expressed their concerns regarding the financial sustainability of Hong Kong’s healthcare system due to its heavy reliance on government subsidies and publicly funded services. Patients with pre-existing conditions are denied coverage by the private insurance sector, and have to rely heavily on the overburdened public healthcare system. Following the United States, the Hong Kong government suggests that a high-risk pool proposal will offer a relatively simpler approach compared to other alternatives. However, little is known about its applicability in Hong Kong or potential problems. Therefore, the objective of this study is to evaluate the effectiveness of high-risk pool in promoting healthcare efficiency, equity, and to make recommendations for the operations in Hong Kong.
A systematic literature review was conducted on the MEDLINE database to study the overseas experience of high-risk insurance pools. Of the 52 articles included in the systematic review, the majority of the studies cover the operations in the United States. Results are analysed from the following eight perspectives. For efficiency, the studied areas include (1) fiscal sustainability, (2) adverse selection, (3) risk sharing and (4) cost containment. For equity, (5) insurance premium, (6) out-of-pocket expense, (7) enrolment barrier and (8) program awareness of the high-risk pools are analysed.
Results of the systematic review show the inadequacies of the high-risk pool mechanisms in all of the above studied areas. In the United States, while industry assessment and government subsidization intend to facilitate risk sharing for high-risk population, insufficient funding and the industry’s deteriorated risk sharing capabilities undermine system efficiency. In addition, adverse selection and cost containment add to the already lengthy list of problems that high-risk pools have yet to address. Limited subsidies, high out-of-pocket payments, strict eligibility rules, and insufficient program awareness remain the four major barriers to health equity for the uninsurable.
While studies on the overseas healthcare system have revealed several inadequacies regarding the high-risk pool mechanism, these uncertainties have to be resolved before Hong Kong can move forward to improve its healthcare efficiency and equity. More thoughts should be given on how the risk sharing capability can be enhanced within the insurance industry. Without a clear definition or a standardized underwriting rule that clearly defines “high-risk”, the high-risk pool could become a platform to practice adverse selection and further deteriorate the already limited risk sharing among the population. For addressing the issue of cost containment, the DRG charging system and chronic disease management programs are pivotal components to be incorporated. The government should perform a concrete assessment to justify how the spending on high-risk pool can essentially promote a more equitable system in Hong Kong. By considering the impact on both private insurance market and the public healthcare system, the government should further consider how to implement a high-risk pool that can effectively improve the healthcare efficiency and equity in Hong Kong. / published_or_final_version / Public Health / Master / Master of Public Health
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Market potential for health insurance in Hong Kong.January 1990 (has links)
by Lo Ming Ngai, Wong Tai Wai. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1990. / Bibliography: leaves 76-78. / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.iii / ACKNOWLEDGMENT --- p.iv / Chapter I. --- HEALTH CARE SYSTEM AND HEALTH INSURANCE / Introduction --- p.1 / Function of Health Insurance --- p.4 / History of Contract Medicine & Health Insurance in HK --- p.6 / The Present Health Insurance Market in HK --- p.7 / Medical Services in HK --- p.10 / Scott's Report --- p.12 / Provisional Hospital Authority Report --- p.15 / Chapter II. --- POSSIBLE SCENARIOS FOR HEALTH CARE FINANCING --- p.19 / Chapter III. --- RESEARCH METHODOLOGY --- p.31 / The Delphi Methodology --- p.33 / Questionnaire Design --- p.39 / Selection of Panel --- p.42 / Collection of Data --- p.43 / Chapter IV. --- RESULTS AND DISCUSSION --- p.44 / Chapter V. --- IMPLICATIONS AND CONCLUSIONS --- p.60 / APPENDICES --- p.75 / "Questionnaires for Round 1,2,3" / "Results for Round 1,2,3" / Comments from panelists / Medical Expenditure in recent 10 years / Medical Expenditure Forecast / Medical Benefits for Employees in HK / "Analysis of General Insurance Business,1986,1987" / BIBLIOGRAPHY --- p.76
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How can Hong Kong learn from Australia's lessons from promoting private health insurance as a supplementary source of health carefunding?Cheung, Po-yi, Polly., 張寶儀. January 2011 (has links)
published_or_final_version / Public Health / Master / Master of Public Health
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Assess the feasibility of having an insurance-like national-scale health service in Hong KongChau, So-wah, Francis., 周甦華. January 1995 (has links)
published_or_final_version / Business Administration / Master / Master of Business Administration
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Assessment of capitated contract medicine arrangements in Hong Kong: an example of financial incentives andmanaged care in an unregulated environmentBrudevold, Christine. January 1999 (has links)
published_or_final_version / Community Medicine / Doctoral / Doctor of Philosophy
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Quantifying the impact of private insurance in a tax-funded system with universal entitlement: observations fromthe mixed medical economy of Hong KongYip, Pui-lam., 葉沛霖. January 2007 (has links)
published_or_final_version / Community Medicine / Master / Master of Research in Medicine
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Medical insurance: the solution to health care financing in Hong Kong?Fan, Yun-sun, Susan., 范瑩孫. January 1992 (has links)
published_or_final_version / Public Administration / Master / Master of Public Administration
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