Health insurance for the poor

22/07/2024 09:09 AM


Health insurance is emerging as an important financing tool in meeting the health care needs of the poor. Community based health insurance, rather than market mediated or government provided insurance is an appropriate way of reaching the poor. The development of private health insurance has potential risks and benefits in terms of health care access for the poor and regulatory changes can be used to maximise gains. However, even the private health insurance market lacks development due to the want of regulatory decisions on the supply of health services and the demand for health insurance.

VSS’ Deputy General Director Dao Viet Anh expressed the desire for local authorities to continue their attention and guidance in the Social Insurance and Health Insurance work on the local level, aiming to increase the number of  in the social security network participants, in line with the humanitarian and preferential policies of our Party and State.

The health ministry stated that after 15 years of implementation, the Law on Health Insurance has become an integral part of people’s lives, confirming its effectiveness, suitability, and accomplishment of significant results. The State management and execution of health insurance policies have been significantly strengthened, with a focus on widespread of dissemination and legal education on health insurance, which has garnered the involvement of the entire political system.

The poor often faces many struggles and challenges that are unique to their economic status.

As a foundation for UHC, WHO recommends reorienting health systems using a primary health care (PHC) approach. Achieving UHC is a WHO strategic priority, with the goal of 1 billion more people benefitting from universal health coverage by 2025.

In countries with fragile health systems, we focus on technical assistance to build national institutions and service delivery to fill critical gaps in emergencies. In more robust health system settings, we drive public health impact towards health coverage for all through policy dialogue for the systems of the future and strategic support to improve performance.

This work is supported by normative guidance and agreements; data, research and innovation; and leadership in the realms of diplomacy, advocacy, gender equality, health equity and human rights, multisectoral action, and finance.

Community based health insurance (CBHI) is more suited than alternative

In Hop Thanh commune, Lao Cai City, Lao Cai Province, Deputy General Director Dao Viet Anh, along with representatives of local authorities, and sponsors, personally handed over 45 Health Insurance cards and 10 Social Insurance books out of a total of 50 Social Insurance books and 600 Health Insurance cards to individuals facing difficult circumstances in Lao Cai City. The remaining Health Insurance cards and Social Insurance books will be distributed by the Lao Cai Provincial Social Security office to the residents.

The delta, comprising 12 provinces and Cần Thơ, has boosted advocacy to encourage people to participate in health insurance.

Tiêu Minh Dưỡng, deputy director of the Cần Thơ Department of Labour, Invalids and Social Affairs, said his agency had sought to enhance public awareness of the need for and benefits of social and health insurance.

Last month the city launched an event to advocate voluntary participation in social and health insurance, including a motorbike parade.

The city had 1.07 million people with health insurance as of the end of April, or 90 per cent of its population, and aims to get another 11,234 sign up this year.

In Long An Province, authorities have regularly undertaken advocacy activities to make people understand the benefits and responsibilities related to health insurance.

The province is improving healthcare services, especially for insured people, and has 186 clinics and hospitals that provide them with healthcare.

Its number of examinations under insurance cover increased from 2.2 million in 2009 to 2.4 million last year.

The province’s 93.2 per cent of its population, or more than 1.6 million people, are insured.

Nguyễn Thanh Hải, deputy standing secretary of the Long An Party Committee, said the quality of treatment for insured people at clinics and hospitals, especially at the grassroots levels, should be enhanced.

Support

The Delta region has a number of policies to help people access health insurance and financial support for people, especially the poor, to buy it.

Trà Vinh Province has adopted resolutions to provide free health insurance to near-poor people, farmers with average incomes, students, and other needy people.

It has improved the quality of healthcare for insured people, and this has helped reduce the number of patients that require to be transferred from local facilities to higher-level ones for treatment.

It aims to have 100 per cent of its population covered by health insurance by 2030 compared to 95.8 per cent now.

Lâm Minh Đằng, deputy secretary of the Trà Vinh Party Committee, has urged commune party and people’s committees to work with district-level social insurance agencies to expand the number of people covered by health insurance.

The province's Department of Education and Training should step up advocacy and encourage students to acquire health insurance, he said.

An Giang Province subsidised health insurance costs by 30 per cent for near-poor people and 70 per cent for ethnic students in 2020-22.

All students now have health insurance.

The rate of insured people in the province increased from just 43 per cent in 2009 to 92 per cent last year.

Lê Văn Nưng, deputy secretary of the province's Party Committee, has instructed localities to financially help people buy health insurance.

Localities should implement health insurance policies well and create favourable conditions for people to access them, he said.