Transcript Health Insurance

Health
Insurance
in
Thailand
1
Contents
• Meaning
• Type of Health Insurance in Thailand
• The responsibility of each type to
HIV/AIDS patient
• Tendency to enlarge responsibility
2
Meaning...
...to
SHARE the RISKS
due to Death,
Illness...
$
$
$
Disability,
$
$
$ 3
More people…More money...
x
x
x
$
x
x
4
Type of Health
Insurance in Thailand
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How we can get the money?
1. Sharing
2. Government’s Aid
3. Sharing + Aid
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Life Insurance Co.,
(Sharing)
...as the intermediary
that coordinate the
benefits from the
common pool of money...
…patients can afford
treatment by themselves...
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Social Security Foundation
(Sharing + Aid)
..to establish for sharing the risk
due to unemployment disability,
gestation, offspring aid, and
senility...
(2% employee + 2% employer + 2% government)
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Health Insurance Card
(Sharing + Aid)
…hospitals that co-op with
Ministry of Public Health, provide
this card for people...
…whole family is treated...
(500 B./Y. Family + 1,000 B./Y. Gov.)
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Government Worker
(Gov. ‘s aid)
…Gov. set up the Health Care
Budget for Gov. worker in each
year...
…extended to Worker Family...
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How they can response
for HIV/AIDS people?
“The responsibility of each type to
HIV/AIDS patient”
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Life Insurance Co.,
• Having criteria to approve the
qualified person
• Screening twice times; 1st by
agent and 2nd by company
• Not provide for HIV person
• Providing for the one who just get
HIV, after got policy already
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Number of Death People who got
policy
1,413
1500
945
1000
477
500
14
173
37
0
'92
J
'93
J
'94
J
'95
J
'96
J
'97
J
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Costs of Death Claims
Unit:1,000 Baht
200,000
149,268
150,000
103,142
100,000
37,555
50,000
1,204
2,975
'92
1
'93
2
0
16,997
'94
3
'95
4
'96
5
'97
6
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1st screening; following conditions
recommended for testing HIV
positive;
•
700,000 B.
• Occupation;
- Hairdresser
- Actor/Actress/Singer
- Guy designer/model
- Guidance
etc.
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• Healthy;
- Venereal disease history
- Refusal blood donation
2nd screening; approving again by
company committee
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Tendency of Life Insurance Co.,
• May be insuring HIV-patient, when
discover new efficiency drug for
treatment
• Increasing insurance premium for
people who got HIV later
• More strictness
• Changing the criteria; not include
HIV treatment
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To be continued in
final report…
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