DESK REVIEWS | 02.02.06.01. What proportion of the population purchases private health care insurance?

DESK REVIEW | 02.02.06.01. What proportion of the population purchases private health care insurance?

Data from the National Regulatory Agency for Private Health Insurances and Plans showed that around 23% of the population of Brazil purchased private health care insurance by the end of 2018 (National Regulatory Agency for Private Health Insurances and Plans, 2019a).

References:

National Regulatory Agency for Private Health Insurances and Plans. (2019a). Agência Nacional de Saúde Suplementar. https://www.gov.br/ans/pt-br

1.48 million people purchased private individual-based health insurance (IHI) in 2016. The penetration ratio of IHI products in local population has surged from 20% in 2006 to 34% in 2016. Although almost all of the insurance policies covered inpatient care, less than three-fifths of the insured people received such care in private hospitals due to hesitation on premium transparency and budget certainty in existing products (The Legislative Council Secretariat, 2018, July).

References:

The Legislative Council Secretariat. (2018, July). Health insurance for individuals in Hong Kong.  Retrieved from https://www.legco.gov.hk/research-publications/english/1718rb03-health-insurance-for-individuals-in-hong-kong-20180703-e.pdf.

According to the National Health Profile (CBHI, 2019), about 37.2% of the population was covered by any health insurance in 2017-18, while 62.8% of the population remain uninsured. Of those insured, 78% were covered by public insurance and the rest by private insurance  (CBHI, 2019).

References:

Central Bureau of Health Intelligence (CBHI). (2019). National Health Profile. Ministry of Health & Family Welfare, Government of India. Available from http://www.cbhidghs.nic.in/showfile.php?lid=1147

In 2017, life/health insurance made up 6.66% of all financial products owned by Indonesians aged 18 and older. However, this figure dropped to 4.47% in 2018 (Mahendradhata et al., 2017, p.44). (Please note the percentages are out of all respondents and there were 23.59% and 24.86% of people who did not have any forms of financial products in 2017 and 2018, respectively).

In 2013, BPJS established a coordination of benefits with some of the leading private health insurance providers to provide a top-up option for middle- and high-income members of the JKN, which may increase the uptake of private insurance in Indonesia (Mahendradhata et al., 2017, p.44). In 2019, BPJS and 11 insurance providers (members of Forum Asuransi Kesehatan Indonesia) signed a Coordination of Benefit agreement to simplify the process of adding on private insurance policies to their existing BPJS schemes (Kartika & Walfajri, 2019).

References:

Kartika, H., & Walfajri, M. (2019). Gandeng perusahaan asuransi, peserta BPJS Kesehatan bisa naik kelas gratis.

Mahendradhata, Y., Trisnantoro, L., Listyadewi, S., Soewondo, P., MArthias, T., Harimurti, P., & Prawira, J. (2017). The Republic of Indonesia Health System Review (Vol. 7, Issue 1). https://apps.who.int/iris/bitstream/handle/10665/254716/9789290225164-eng.pdf

Please refer to 02.02.02.01.

Private health insurance growth has stagnated over the years and slight decrease was even seen from 2009 to 2014, where the 32 private health insurers collectively covered 1.15%  from 1.17% of the Kenyan population (Kazungu & Barasa, 2017).

References:

Kazungu, J. S., & Barasa, E. W. (2017). Examining levels, distribution and correlates of health insurance coverage in Kenya. Tropical Medicine & International Health, 22(9), 1175–1185.  https://doi.org/10.1111/tmi.12912

While the market for private health insurance has increased in the past decade and more multinational insurance companies have entered the market, the last available estimate from the OECD is 4% of total population purchasing private health care insurance (OECD, n.d.).

References:

OECD. (n.d.). Health data. Retrieved March 16, 2020, from https://data.oecd.org/healthres/health-spending.htm

More than one-third of adults (35%) and 28% of children were covered by PHI. PHI coverage was highest for the age groups between 35 and 64 years (35–44 years, 41%; 45–54 years, 42%; 55–64 years, 41%) and lowest for those aged 75 years and over (16%). Māori and Pacific people were less likely to report having PHI cover than non-Māori and non-Pacific people, respectively, after adjusting for age and sex differences. After examining a range of demographic and socioeconomic factors, household income was found to have the strongest association with PHI coverage. There was variation in PHI coverage for adults between district health boards (DHBs), with highest coverage in Auckland (45%), Waitemata (43%), and Canterbury (40%). The proportion of adults with PHI coverage has decreased from 40% in 1996/97 to 35% in 2011–15. For children, coverage has decreased from 31% in 1996/97 to 28% in 2012–15. Most adults (79%) with PHI cover report that they either pay for the PHI themselves or it is paid by a family member (Ministry of Health, 2016).

References:

Ministry of Health. (2016). Private Health Insurance Coverage 2011–15: New Zealand Health Survey. Ministry of Health website. Available from: https://www.health.govt.nz/publication/private-health-insurance-coverage-2011-15-new-zealand-health-survey.

As discussed previously, 16% of the South African population purchases private health care insurance (Mahlathi & Dlamini, 2015). Health insurance in South Africa is however constrained in terms of dementia-care needs as there is currently no formal long-term care insurance scheme available in the country (Joubert, 2005).

References:

Joubert, J. D. (2005). A Profile of Informal Carers in South Africa. Available from: https://repository.up.ac.za/bitstream/handle/2263/30044/00dissertation.pdf;sequence=1

Mahlathi, P., & Dlamini, J. (2015). MINIMUM DATA SETS FOR HUMAN RESOURCES FOR HEALTH AND THE SURGICAL WORKFORCE IN SOUTH AFRICA’S HEALTH SYSTEM: A rapid analysis of stock and migration. Available from: http://www.prographic.com/wp-content/uploads/2016/07/0316-south-africa-case-studies-web.pdf