Sustainable Health Insurance Research Articles

Q-ROF Fuzzy TOPSIS and VIKOR Methods for the Selection of Sustainable Private Health Insurance Policies

As a result of the inability of people to meet their demands in the face of increasing demands, people tend to have private health insurance in addition to the general health insurance offered as a public service. Due to the increasing trend of taking out private sustainable health insurance, the number of private sustainable health insurance plans in the health insurance market has increased significantly. Therefore, people may be confronted by a wide range of private health insurance plan options. However, there is limited information about how people analyze private health insurance policies to protect their health in terms of benefit payouts as a result of illness or accident. Thus, the objective of this study is to provide a model to aid people in evaluating various plans and selecting the most appropriate one to provide the best healthcare environment. In this study, a hybrid fuzzy Multiple Criteria Decision Making (MCDM) method is suggested for the selection of health insurance plans. Because of the variety of insurance firms and the uncertainties associated with the various coverages they provide, q-level fuzzy set-based decision-making techniques have been chosen. In this study, the problem of choosing private health insurance was handled by considering a case study of evaluations of five alternative insurance companies made by expert decision makers in line with the determined criteria. After assessments by expert decision makers, policy choices were compared using the Q-Rung Orthopair Fuzzy (Q-ROF) sets Technique for Order Preference by Similarity to Ideal Solution (TOPSIS) and Q-ROF VIšeKriterijumska Optimizacija I Kompromisno Resenje (VIKOR) methods. This is one of the first attempts to solve private health policy selection under imprecise information by applying Q-ROF TOPSIS and Q-ROF VIKOR methods. At the end of the case study, the experimental results are evaluated by sensitivity analysis to determine the robustness and reliability of the obtained results.

Stakeholders’ Perception of the Impacts of Health Insurance Diffusion on Healthcare Delivery in Southeast Nigeria

Poor and inequitable access to quality healthcare is a major public health setback that has persisted in various countries. The reality is that every part of the world perceives this differently because some still experience hunger and diseases in more significant ways. According to the World Health Organization (WHO) report, the impact of Universal Health Coverage Schemes like the National Health Insurance Scheme is particularly low in Nigeria. This article examines Stakeholders’ perceptions as regards health insurance distribution in southeast Nigeria. Following the NHIS establishment, the promise and guarantee of access to quality and affordable healthcare brought a green light to the already faded hope in healthcare delivery in southeast Nigeria. Primary data sourced through FGDs and IEIs were used in carrying out the study. Precisely, the interview conducted on the relevant stakeholders identified factors influencing the NHIS in southeast Nigeria as lack of collaboration and sincerity among the relevant stakeholders. Results show that sustainable health insurance can be realized through the eradication of institutional, operational, and structural bottlenecks. Keywords: Quality healthcare, Health Insurance Scheme, stakeholders’ perception, diffusion FGDs, IEIs DOI: 10.7176/PPAR/12-2-05 Publication date: April 30 th 2022

Effects of a temporary suspension of community-based health insurance in Kwara State, North-Central, Nigeria.

Introductiona subsidized community health insurance programme in Kwara State, Nigeria was temporarily suspended in 2016 in anticipation of the roll-out of a state-wide health insurance scheme. This article reports the adverse consequences of the scheme´s suspension on enrollees´ healthcare utilization.Methodsa mixed-methods study was carried out in Kwara State, Nigeria, in 2018 using a semi-quantitative cross-sectional survey amongst 600 former Kwara community health insurance clients, and in-depth interviews with 24 clients and 29 participating public and private healthcare providers in the program. Both quantitative and qualitative data were analyzed and triangulated.Resultsmost of former enrollees (95.3%) kept utilizing programme facilities after the suspension, mainly because of the high quality of care. However, majority of the enrollees (95.8%) reverted to out-of-pocket payment while 67% reported constraints in payment for healthcare services after suspension of the program. In the absence of insurance, the most common coping mechanisms for healthcare payment were personal savings (63.3%), donations from friends and families (34.7%) and loans (11.8%). Being a male enrollee (odd ratio=1.61), living in a rural community (odd ratio =1.77), exclusive usage of Kwara Community Health Insurance Programme (KCHIP) prior to suspension (odd ratio=1.94) and suffering an acute illness (odd ratio=3.38) increased the odds of being financially constrained in accessing healthcare.Conclusionafter the suspension of the scheme, many enrollees and health facilities experienced financial constraints. These underscore the importance of sustainable health insurance schemes as a risk-pooling mechanism to sustain access to good quality health care and financial protection from catastrophic health expenditures.

Mathematical Techniques of Modelling Salary-Based Health Care Contribution

This paper is intended to support reforms counteracting the adverse health insurance contribution trends through constructing an actuarially equitable salary-based health care system for experienced health insurance underwriters. The focus is on contribution technique employed by experts who consult for health insurance funds especially when performing official duties as health insurance actuary. The objective is to construct actuarial models of computing employee’s, employer’s and government’s contribution for health insurance care program in a way that permits generally equitable cost-efficient health insurance coverage within the framework of obtainable health benefits policy. Nigeria’s low economic growth rate and primitive technology resulted in an increasing rate of health care costs and consequently, quality health care at affordable prices is far from the reach of enrollees because of inequitable distribution of costs. In order to solve this problem, we constructed a health care model with a deterministic salary function structure to compute contribution on behalf of enrollees as a paradigm shift to an actuarial system of modelling contribution with a goal to building a sustainable health insurance delivery that encourages good health outcomes. From our results, the rate derived from our current model is far below the official rating of on employee’s salary which is not footed on actuarial basis and hence cheaper and more equitable to adopt.

Developing and validating regression models for predicting household consumption to introduce an equitable and sustainable health insurance system in Cambodia.

Financial protection is a challenge for low- and middle-income countries, where the fiscal space is limited, and majority of the population is engaged in the informal economy. This study developed and validated household consumption predictive models for Cambodia to collect contributions according to one's ability to pay. This study used nationally representative survey data collected annually between 2010 and 2017, involving 38,472 households. We developed four alternative models: the manually selected linear model, the linear model with stepwise technique, the mixed effects linear model, and the model with regularisation technique. Subsequently, we performed out-of-sample cross-validation for each model, and evaluated the model prediction performance. Overall, observed and predicted household consumptions were linearly related in all four models. While the prediction performance of the models did not substantially differ, the stepwise linear model showed the best performance. The regularisation and the mixed effects were not particularly effective in these regressions. The household consumption was better predicted for those with lower consumption, and the predictivity declined as the consumption level increased. This study suggests the possibility of predicting household consumption at a reasonable level. This would maximise the contribution revenue, optimise the government subsidy, and ensure equity in healthcare access.

Implementing a sustainable health insurance system in Cambodia: a study protocol for developing and validating an efficient household income-level assessment model for equitable premium collection

BackgroundAs elsewhere in low- and middle-income countries, due to limited fiscal resources, universal health coverage (UHC) remains a challenge in Cambodia. Since 2016, the National Social Security Fund (NSSF) has implemented a social health insurance scheme with a contributory approach for formal sector workers. However, informal sector workers and dependents of formal sector workers are still not covered by this insurance because it is difficult to set an optimal amount of contribution for such individuals as their income levels are inestimable. The present study aims to develop and validate an efficient household income-level assessment model for Cambodia. We aim to help the country implement a financially sustainable social health insurance system in which the insured can pay contributions according to their ability.MethodsThis study will use nationally representative data collected by the Cambodia Socio-Economic Survey (CSES), covering the period from 2009 to 2019, and involving a total of 50,016 households. We will employ elastic net regression analysis, with per capita disposable income based on purchasing power parity as the dependent variable, and individual and community-level socioeconomic and demographic characteristics as independent variables. These analyses aim to create efficient income-level assessment models for health insurance contribution estimation. To fully capture socioeconomic heterogeneity, sub-group analyses will be conducted to develop separate income-level assessment models for urban and rural areas, as well as for each province.DiscussionThis research will help Cambodia implement a sustainable social health insurance system by collecting optimal amount of contributions from each socioeconomic group of the society. Incorporation of this approach into existing NSSF schemes will enhance the country’s current efforts to prevent impoverishing health expenditure and to achieve UHC.

New Cost-Effectiveness Methods to Determine Value-Based Prices for Potential Cures: What Are the Options?

Evaluating different approaches to assessing the clinical effectiveness and value of potential cures will be essential to arm the policymaker, payer, and manufacturer communities with a platform that can reward innovation while supporting a sustainable health insurance system. Potential cures will accentuate concerns about substantial uncertainty in long-term outcomes. They will also focus attention on whether broader elements of value need to be incorporated and whether specific social values have a special place in evaluations of potential cures. In addition, the large magnitudes of potential health gain and cost offsets may require new methods before translation into value-based price recommendations. This article analyzes the challenges and presents several options to modify the conduct and presentation of cost-effectiveness analyses to ensure they provide policy-relevant assessments of the value of potential cures.

Sustainable Health Insurance

Sustainable Health Insurance

Comparison of New Drug Accessibility and Price Between Japan and Major European Countries

A common concern about universal health insurance coverage is how to control health expenditure. The escalation of health care costs raises public awareness of the optimization of drug price and increased demand for cost-effectiveness assessment. In this paper, we show the differences in patient access to new drugs and drug price among countries, in which the situation of introduction of cost-effectiveness assessment scheme is different. We investigated the health insurance coverage proportion of newly approved drugs in Japan, France, Germany, and the United Kingdom (UK). Then, we calculated the ratios of the European to the Japanese price for products that were reimbursed in both countries. Japan had the highest health insurance coverage proportion (98.6%) in the 4 countries. In Japan, all the drugs that were approved in 2015 had been already listed in the latest formulary of February 2016. As for drug price, there wasn't much difference between Japan and the European countries in many cases. From the viewpoint of the health insurance coverage proportion and the speed of reimbursement decision, the hurdle to access new drugs in Japan is lower than that in major European countries. While extensive coverage of health insurance and prompt reimbursement decision lower the hurdles to access new drugs and expand treatment options, they could lead to the increased medical expenditure. We should continue to discuss sustainable health insurance systems and drug price calculation schemes that properly reflect the drug's clinical value while keeping the availability of new drugs to patients.

Key Aspects of a Sustainable Health Insurance System in Germany.

The main goals of health-care systems are to improve the health of the population they serve, respond to people's legitimate expectations, and offer fair financing. As a result, the health system in Germany is subject to continuous adaption as well as public and political discussions about its design. This paper analyzes the key challenges for the German health-care system and the underlying factors driving these challenges. We aim to identify possible solutions to put the German health-care system in a better position to face these challenges. We utilize a broad array of methods to answer these questions, including a review of the published and grey literature on health-care planning in Germany, semi-structured interviews with stakeholders in the system, and an online questionnaire. We find that the most urgent (and manageable) aspects that merit attention are holistic hospital planning, initiatives to increase (administrative) innovation in the health-care system, incentives to increase prevention, and approaches to increase analytical quality assurance. We found that hospital planning, innovation, quality control, and prevention, are considered to be the topics most in need of attention in the German health system.

Comparison of Perceived and Technical Healthcare Quality in Primary Health Facilities: Implications for a Sustainable National Health Insurance Scheme in Ghana.

BackgroundQuality care in health facilities is critical for a sustainable health insurance system because of its influence on clients’ decisions to participate in health insurance and utilize health services. Exploration of the different dimensions of healthcare quality and their associations will help determine more effective quality improvement interventions and health insurance sustainability strategies, especially in resource constrained countries in Africa where universal access to good quality care remains a challenge.PurposeTo examine the differences in perceptions of clients and health staff on quality healthcare and determine if these perceptions are associated with technical quality proxies in health facilities. Implications of the findings for a sustainable National Health Insurance Scheme (NHIS) in Ghana are also discussed.MethodsThis is a cross-sectional study in two southern regions in Ghana involving 64 primary health facilities: 1,903 households and 324 health staff. Data collection lasted from March to June, 2012. A Wilcoxon-Mann-Whitney test was performed to determine differences in client and health staff perceptions of quality healthcare. Spearman’s rank correlation test was used to ascertain associations between perceived and technical quality care proxies in health facilities, and ordered logistic regression employed to predict the determinants of client and staff-perceived quality healthcare.ResultsNegative association was found between technical quality and client-perceived quality care (coef. = -0.0991, p<0.0001). Significant staff-client perception differences were found in all healthcare quality proxies, suggesting some level of unbalanced commitment to quality improvement and potential information asymmetry between clients and service providers. Overall, the findings suggest that increased efforts towards technical quality care alone will not necessarily translate into better client-perceived quality care and willingness to utilize health services in NHIS-accredited health facilities.ConclusionThere is the need to intensify client education and balanced commitment to technical and perceived quality improvement efforts. This will help enhance client confidence in Ghana’s healthcare system, stimulate active participation in the national health insurance, increase healthcare utilization and ultimately improve public health outcomes.

The Impact of Asymmetric Information in Vietnam's Health Insurance: An Empirical Analysis

The Vietnam Health Insurance Law in 2008 promulgated universal health care by 2014. To build up a sound and sustainable health insurance system towards this goal, we need to account for the effect of asymmetric information on the use of the health care services, namely moral hazards and adverse selection. This paper uses distinc- tive features of Vietnam's health insurance system to separately estimate the effect of each type. Our results show that the effect of asymmetric information is quite severe and prevalent for old people, and is insignificant for young people. The results can be used for the construction of health insurance policies for Vietnam.

薬剤経済学研究に関する最近の話題 １．薬剤経済学と医療政策

Amidst a global trend towards the introduction of health technology assessment, economic evaluation is becoming a natural process conducted side by side with safety and efficacy evaluations. Every nation faces a difficult situation with regard to healthcare resources. Pharmacoeconomics is employed based on the principle that limited healthcare resources should nonetheless be used as efficiently as possible to further improve a nation's health. The incorporation of pharmacoeconomics in Japan was introduced relatively early, but it is difficult to say that pharmacoeconomics has been actively employed in Japan since its introduction. The evaluation of new healthcare technology based on pharmacoeconomics should be fully debated in tandem with the discussion of the creation of a more sustainable health insurance system.