Many know Switzerland for its high standard of living and hail its healthcare system as one of the best in the world—in fact, it often ranks as one of the top 10 healthcare systems worldwide. However, while healthcare in Switzerland is universal, it is not free or public, which makes it very expensive.
How It Works
All residents pay for their own health insurance. Unlike other countries, healthcare does not receive funding from government taxes. Even children and retirees must have their own individual health plan. The Swiss government mandates that health insurance providers cannot reject applicants for any reason and that all insurance providers offer a basic level of healthcare coverage to ensure that all citizens can obtain insurance.
The basic level of health insurance is identical across all Swiss insurance providers, covering expenses such as general check-ups and treatments, prescription costs, vaccinations, hospital visits and more. A basic healthcare plan covers around 80-90% of a person’s medical costs.
Health Insurance Companies
The role of health insurance companies in Switzerland is complicated. As private companies, they are competitive and seek profit. However, since law dictates that they all have to offer the same medical services under the mandatory basic health insurance, companies have limited competition.
Healthcare insurance companies have decreased in number within the past 20 years, from over 1,000 to less than 100. Their influence on political decisions is high since many government officials represent and defend their interests.
Pros and Cons
The Swiss government legally requires anyone staying in Switzerland for over 90 days to acquire health insurance, no matter the total length of stay. Healthcare in Switzerland is expensive, and people pay for most treatments out-of-pocket rather than receiving reimbursement later.
Switzerland’s high healthcare costs partially come from the fact that the government-mandated private insurance premiums largely fund the healthcare system. Healthcare providers charge more money from individuals to cover medical costs and business expenses since the government does not fund healthcare.
However, healthcare standards are high and citizens can receive excellent quality care across the country. Since basic healthcare is mandatory for all residents, every person has an entitlement to the same coverage and standard of care.
Swiss health insurance companies cannot deny insurance or charge inflated insurance rates for those with pre-existing conditions. Depending on customers’ age and insurance package of choice, some health insurance companies also will charge the same fee for the duration of the residency in Switzerland. Insurance rates may not increase even in the event of sickness or injury.
Comparison with Other Countries
The Organization for Economic Co-operation and Development (OECD) compared healthcare in Switzerland with healthcare in the 37 other OECD countries. It found that Switzerland’s model of universal health insurance coverage provides a wide variety of medical services and high patient satisfaction, but the percentage of Switzerland’s GDP that goes towards health is the second-highest in the OECD area.
Other OECD countries perform equally as well or even better in terms of healthcare at a lower cost. Switzerland spends the highest GDP, around 12%, on healthcare in comparison to other European countries. Swiss residents also spend an average of 10% of their salary on health insurance.
– Kathy Wei
The post An Overview of Healthcare in Switzerland appeared first on The Borgen Project.
Original Source: borgenproject.org
South Korea is one of the many countries in the world that provides universal health care for its citizens. This universal health care is both a source of relief and national pride for many South Koreans. This pride is further amplified by the fact that modern health care in South Korea rose out of the devastation of the Korean War. With the recent COVID-19 global pandemic, South Koreans rely, now more than ever, on their health care system.
History of the South Korean Health Care System
South Korea’s health care system was developed at the end of the Korean War in 1953. One of the first projects that aimed to help South Korea was the Minnesota Project, launched in September 1954. Under the Minnesota Project, Seoul National University agreed to receive medical education and equipment from the University of Minnesota. The U.S. Department of State also contracted the University of Minnesota to assist Seoul University with staff improvement and equipment aid.
This project allowed the health care system to grow and flourish over tte next couple of decades. In 1977, the Korean government mandated all companies with more than 500 employees to provide health insurance programs for employees.
How South Korean Health Care Works
Established in 2000, the National Health Insurance Corporation (NHIC) is still in charge of national insurance enrollment, collecting contributions and setting medical fee schedules. To provide coverage for all Korean citizens, the NHIC gathers contribution payment from all citizens as part of their taxes. In addition to the contribution payment, the NHIC gather their funds through government subsidies, outside contributions and tobacco surcharges. This wide range of funding sources allows South Korea to provide clinics that are both modern and efficient.
The South Korean health care system does have some issues, however. While the overall quality of health care in South Korea is excellent, access to high-quality medical care can still be difficult for rural residents. According to a WHO case study of South Korea, 88.8% of physicians in South Korea were employed by non-governmental clinics. These non-governmental clinics are usually located in urban areas. About 25% of all elderly over the age of 65 years reside in rural areas, where they are at high risk of falling and other physical injuries. With physicians mainly located in urban areas, the South Korean government recognizes the need to improve health care in rural areas.
A more recent issue that the South Korea health care system is facing is the treatment of foreign nationals. In the past, there were some foreigners who forewent payment after their medical treatment in South Korea. Termed “health care dine and dash,” the Korean government now requires all foreign nationals to sign up for the National Health Insurance scheme within their first six months of living in the country. Once a foreign national receives their Alien Registration Card, they can benefit from Korea’s National Health Insurance Scheme and private insurance.
A Model of Universal Health Care For the World
Developing out of the devastation of the Korean War, the excellent quality of health care in South Korea is a prime example of how a country can implement and sustain universal health care. Despite needs for improvement, the South Korean health care system remains an international model for universal health care. With the recent COVID-19 pandemic, South Koreans recognize the importance of their continuous support for the universal health care system.
– YongJin Yi
The post A Profile of Health Care in South Korea appeared first on The Borgen Project.
Original Source: borgenproject.org
The United Kingdom began its National Healthcare System (NHS) in 1948 with a mission to make healthcare available to all regardless of their ability to pay. Since its creation, the NHS has grown in its capacity to prevent illnesses and improve the mental and physical health of the population.
Numerous local and national organizations support the NHS such as clinical commissioning groups, charities and research institutes. These all compile to create the healthcare system. A general and payroll tax primarily fund the NHS, allowing patients in England to receive NHS services without charge. From emergency to non-urgent cases, healthcare in the U.K. seeks to put patients first by surveying the success of patients’ outcomes.
For those “ordinarily resident” in England or those with a European Health Insurance Card, coverage is universal. In fact, in most cases coverage is free. The NHS Constitution states that patients have rights to drugs and treatments when deemed necessary and approved by their physician. Through the NHS’s services, primary care, specialized care, longterm care, after-hours care and mental health care available.
What is the Role of the Government?
The Health Act (2006) requires that the Secretary of State has a legal duty to promote comprehensive healthcare services to the public free of charge. The NHS Constitution outlines the rights for those eligible for national healthcare, including access to care without discrimination and prompt hospital care. While the Department of Health supervises the overall health system, the day-to-day responsibilities rest with NHS England. In addition, the local government authorities hold the budgets for public health.
Ensuring Quality and Reducing Disparities
Research shows healthcare quality is worse for those living in poverty in England. The health gap between the rich and poor has widened over the past few years. The more economically deprived an area is, the more quality-deprived those same struggling areas are. Underfunded local services lead to poorer health of the most vulnerable.
Strategies to reduce inequality include monitoring statistics of access and outcomes, particularly for at-risk groups. The requirement to host “health and well-being boards” mitigates local government authorities’ relative autonomy in creating budgets for public health in their communities. These boards aim to improve the coordination of local services and reduce disparities.
What is the Impact of COVID-19?
The COVID-19 pandemic makes health inequalities in the United Kingdom more visible. Those who live in the most deprived areas have a higher risk of contracting the virus. Fortunately, citizens have largely obeyed the government’s social distancing pleas, limiting the spread of the virus. However, this comes with social and economic consequences for those who were already suffering from inequality.
The weight of the pandemic does not fall evenly on society. Adjusting for age, those who live in poorer areas have faced more than double the deaths compared to those in richer areas. Additionally, research has found that minority ethnic communities have a higher risk of death from the virus. The reasons for this are complicated and research on these issues is advancing. However, discrimination and the resulting lack of socio-economic opportunities for these groups in education and employment can lead to their overall health being disproportionately impaired.
To help healthcare in the United Kingdom obtain equal accessibility and quality, acting against the systemic barriers facing minority groups and encouraging overall economic development that will enable healthier living for all is necessary. Increased government support for the NHS and its relating voluntary and community sectors could mitigate the pandemic’s devastating effects.
Well Communities is an example of a nonprofit organization in the United Kingdom that empowers local communities to reduce inequalities. By working on the neighborhood level, Well Communities addresses specific concerns in improving local coordination through training and engagement around a themed project. Past projects have promoted healthy eating, exercise, mental health, employment, green spaces, culture and arts.
More than 18,700 individuals participated in Well Communities’ Well London activities, representing 35 percent of the population in that neighborhood. The outcome exceeded the targeted goals. Strikingly, 82 percent reported increases in physical activity and 54 percent reported an increase in mental wellbeing. Additionally, 60 percent reported increased levels of volunteering.
These statistically significant changes in the community indicate the value of organizations like Well Communities’ work. With more organizations implementing programs like these, there is hope to reconcile the increasing inequalities of healthcare in the United Kingdom.
COVID-19 and its lockdown will deepen inequalities unless the U.K. mounts a great effort. Through much-needed increased government support for the NHS and its relating voluntary and community sectors, the U.K. is working to abolish inequality in healthcare.
– Mia McKnight
The post Healthcare in the United Kingdom appeared first on The Borgen Project.
Original Source: borgenproject.org
Mexico is in the southern area of North America. It is a beautiful country famous for its cuisine and tourism. However, the country is continuing to address several challenging poverty issues in Mexico.
Of all the challenging poverty issues in Mexico, obesity and the related health risks are the most common. The January 2020 OECD (Organization for Economic Co-operation and Development) report states that 72.5 percent of the population is overweight or obese. Poor diet has increased the obesity rate from one in five in 1996 to one in three currently; specifically, 34 percent of adults are morbidly obese. Childhood obesity has increased from 7.6 percent in 1996 to 15 percent in 2016.
Subsequently, diabetes-related hospitalizations occur at a rate of 249 per 100,000 people. Also, heart disease mortality is currently at 27.5 percent.
The OECD’s main concern is the accessibility of healthy foods for low-income households. The report recommends healthy lifestyle investment policies to restore health care resources, that the obesity pandemic is currently draining. A 20 percent calorie reduction has the potential to save as much as MXN$1.99 million per year in health care costs. Additionally, reduction of taxing sugary drinks and high-calorie non-essential foods would likely improve obesity rates.
The next most challenging poverty issue in Mexico is that a large number of its population is in poverty. Of the 129.2 million citizens, an astronomical 52.4 million people are living in poverty and 9.5 million are living in extreme poverty.
For the year 2020, the government has mapped out a plan to address the complex poverty issues in Mexico. Specifically, devoting MXN$470,626 million to 25 ministry programs and trusts to reduce the poverty rates in the nation. Some programs will receive more funding than others, with 60 percent of the overall budget allocated for local government and pensions. The Well Being Ministry plans to distribute MXN$ 126.7 million for pensions to 6.8 million elderly and MXN$11,600 million to people with disabilities.
Health Insurance Problem
Another poverty issue in Mexico is health insurance coverage. With 89.3 percent of the population with health insurance coverage, the total out-of-pocket expenses are typically 41 percent.
The Health Ministry plans to distribute MXN$79,900 million to health care for marginalized communities through the Seguro Popular program. In 2018, this program reached 52.8 million people that Mexico’s Social Security Program did not cover. Seguro Popular provides primary and secondary care through state-run facilities. The goal is to reach as many uninsured citizens as possible, especially those over the age of 50, who now rely on institutions that the Secretary of Health manages.
The Elephant in the Room
The most challenging poverty issue in Mexico is the immigration of refugees from the Northern Triangle of Central America (NTCA) which consists of three countries: El Salvador, Guatemala and Honduras. Some 500,000 desperate people have taken the perilous 541-mile journey to flee the violence there only to find more violence en route.
In a heroic effort to help meet these poverty issues in Mexico, Doctors Without Borders maintains a large presence. Mobile clinics patrol the network of freight rail lines, dubbed La Bestia, that runs the length of Mexico from the border of Guatemala all the way north to the United States border. Migrants risk their life and limbs to jump the trains and shorten their trip to the United States. In the past, men typically used the railway, but women, children and sometimes entire families are increasingly using the route.
Besides the railways, and in many cases collaborating with the Ministry of Health, Doctors Without Borders maintains a presence across Mexico. Clinics for migrants and refugees exist at the northern border in Tijuana; the eastern border in Nuevo Laredo, Reynosa and Matamoros; Coatzacoalcos on the gulf coast; Mexico City in the central-lower peninsula; Chalchihuitan and Tenosique in the lower peninsula; the Norte, Centro and Tierra Caliente regions of Acapulco; and Guadalajara on the western side of the upper peninsula.
The clinics provide food, medical and psychological care, occupational therapy, referrals for social assistance, legal advice and employment. Treatment for travel-related injuries and illnesses among the migrants and refugees run the gamut from respiratory infections, skin infections, foot injuries, injuries from falls and physical and psychological violence. In Mexico City, Doctors Without Borders runs a safe shelter specifically for victims of extreme violence and the Acapulco clinics have shifted focus to emergency response and treatment for victims of sexual violence.
Despite the challenging poverty issues in Mexico, the country is making real progress to ensure that its citizens get health care and opportunities that will help them rise above the fray. People should commend the Mexican government and the Mexican Health Ministry for their accomplishments and continued work under such difficult circumstances.
One way U.S. citizens can make a difference is to contact congressional leaders and voice a desire for an improved relationship between Mexico and the United States. An improved relationship will address poverty issues in Mexico through foreign aid.
– Lorna Kelly
The post Challenging Poverty Issues in Mexico appeared first on The Borgen Project.
Original Source: borgenproject.org