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Health Care Insurance in Other Countries

Health Care Insurance in Other Countries

Health insurances are treated differently in different countries. It actually depends on the governance and it prioritizes health for its people. As it may be an obligation it can also be a right in some countries while there are some countries which gives people its freedom to be insured or not. Women have bigger health concerns than men. At this case, you really have to consider your health as a priority. In doing so, you have to know what governs those health insurances in your particular country.

Canada. A report issued in May 2012 by researchers from the Universities of Toronto and British Columbia found that about 10% of Canadians are not able to take their prescription drugs as directed because they cannot afford it. Canada has a publicly funded universal healthcare system, which is nearly all free at the point of use. Most of the public health services are provided by private organizations. Approximately 27.6% of Canadian citizen’s health care requirements are received through the private sector. Private health insurance is used to cover services that Medicare does not provide for, such as optometry, dentistry and prescription medications. Three-quarters of all Canadians have some type of supplementary private health coverage – many get this as a job perk. Canada is trying its best to improve their health providing system among its people but is still under process.

Australia. They offer a combination of a public health system, called Medicare, and private health insurance organizations. Medicare provides free universal access to hospital care, as well as subsidized non-hospital medical treatment.

France. The French public health insurance program was established in 1945 and its coverage for its affiliates has undergone many changes since then. All working French citizens have to contribute from a portion of their salaries to a not-for-profit health insurance fund, which mutualize the illness risk, and reimburses patients at different rates. Insured people’s spouses and offspring are eligible to be covered in the same policies. Each fund is financially autonomous, and is used to pay for medical expenses at pre-arranged prices. Recent reforms have harmonized many prices and benefits provided by different insurance fund.

United Kingdom. The NHS (National Health Service) provides free medical and hospital care and subsidized or free prescription medications to all its citizens. The NHS is a publicly funded universal healthcare system, which is not really an insurance system as no premiums are collected and costs are not charged at patient level. Nevertheless, the NHS achieves the same aim as insurance in spreading financial risk arising from ill-health. Health Insurance are actually considered as a privilege taken under subsidy by the taxes its people are paying to the government.

Japan. The country has an Employees Health Insurance and a National Health Insurance system. The National Health insurance is aimed at those who are not eligible for Employees Health Insurance. Even though the country also has private health insurance, everybody in Japan, including foreigners with a one-year visa must be enrolled in an Employees Health Insurance plan or National Health Insurance

Germany. This country has Europe’s longest-standing universal healthcare system, which started during the last 20 years of the 19th century. 85% of German citizens are covered by a basic health insurance policy which the state provides – this provides “a standard level of coverage”. 15% have chosen private health insurance plans. WHO (World Health Organization) says 77% of Germany’s health care system is state-funded while 23% comes from the private sector.

While your country may not be mentioned above, you can always seek information in the internet or under the department of health in your country. You have to be aware of it because you’ll never know if you are missing some of the benefits as a citizen or you may actually be in need of a health assistance right now. Better check it out.

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