• April 25, 2021

Everything about Health insurance

Health insurance is one of the types of insurance against health risks to people’s lives, and it includes the costs of examination, diagnosis and treatment, psychological and physical support, and it may also include coverage for work interruption for a certain period or permanent disability, and it is one of the methods of delivering health care to individuals and groups.


Health care is the examination, diagnosis and treatment of diseases and pests that affect humans, on both the physical and psychological levels, in addition to preventing and preventing or reducing diseases and health problems.


The philosophy of health insurance is based on the principle of collecting risks that afflict society or individuals, and sharing them equally among the insured, by collecting the necessary funds to treat those diseases or injuries, and then distributing them to individuals according to their need for treatment, and this ensures that health care reaches all those in need in return for an amount Easy money and fixed payable by all individuals participating in the insurance.


Health insurance goals


Providing health care for individuals and groups.

Insurance of health care costs for individuals and groups.

Distribute health care costs to individuals, so that everyone pays an equal share, so that healthy people who do not have disease cover the costs of treating sick people.

Protect the individual from the lack of health care that results from the person’s poverty or inability to pay the costs of treatment, which leads to his lack of access to health care and the deterioration of his health.

Managing health insurance financial resources in a way that ensures its continuity for future generations, and this may include investing them in projects that may not be in the health aspect.


Elements of health insurance


The first party is the insurance institution, which may be governmental, such as the Ministry of Health, or private, such as profit-making health insurance companies, or international, such as the Near East Agency for the Employment and Relief of Palestinian Refugees (UNRWA).

The second party is the beneficiary, and the individual may be in person when he participates in the insurance, or his family is with him, and the contract may be within a company or a larger institution, as the person, for example, participates in the group of employees in the company in which he works and who have health insurance with a specific institution.

The contract, which shows the amount and the basis of the financial deduction for the insurance, which may be fixed monthly, and may also include deduction of a certain percentage of the costs of the medical procedure when it occurs, such as that the individual pays 10% of the doctor’s examination, or 5% of the hospital fees.

Natural coverage, and includes diseases covered by treatment and procedures covered, for example some insurance companies refuse to cover eye correction operations and consider it a cosmetic procedure, and this also applies to orthodontic treatments.

The health care provider, which may be government institutions affiliated with the government, such as centers and hospitals of the Ministry of Health, and it may be private health institutions such as private hospitals, and this depends on the contract signed between the two parties, for example, a health insurance contract may require that treatment be only in government hospitals and does not cover treatment in private sector.


Sources of health insurance financing


The individual himself, and this is through the amount that is deducted from him on a monthly basis or according to treatment.

The government, as it covers the costs of insurance from taxes, and may fully cover the costs of individuals who cannot afford to pay for their personal health insurance such as the poor.

Private institutions, as they may pay part of the health insurance costs for their employees, while they pay the rest.

International organizations, for example, the United Nations pays the costs of treating Palestinian refugees at UNRWA, and the UN receives funding from donor countries and other international institutions.

Gifts and grants that may be from individuals or institutions, and they may be material or in-kind, such as medical supplies and buildings.

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