1 health in thailand insurance. 2 meaning type of health insurance in thailand the responsibility of...
TRANSCRIPT
2
• Meaning
• Type of Health Insurance in Thailand
• The responsibility of each type to HIV/AIDS patient
• Tendency to enlarge responsibility
Contents
7
(Sharing) Life Insurance Co.,
...as the intermediary that c oordinate the benefits from t
he common pool of money...
…patients can afford treatment by themselves...
8
Social Security Foundation
..to establish for sharing the risk due to unemployment disability, gestation, offspring aid, and senility...
(2% employee + 2% employer + 2% government)
(Sharing + Aid)
9
Health Insurance Card
…hospitals that co-op with Ministry of Public Health, provide this card for people...
…whole family is treated...
(500 B./Y. Family + 1,000 B./Y. Gov.)
(Sharing + Aid)
10
Government Worker
…Gov. set up the Health Care Budget for Gov. worker in each year...
…extended to Worker Family...
(Gov. ‘s aid)
12
Life Insurance Co.,
• Having criteria to approve the qualified person
• Screening twice times; 1st by agent and 2nd by company
• Not provide for HIV person
• Providing for the one who just get HIV, after got policy already
13
1,413
945
477
1733714
0
500
1000
1500
J J J J J J'92 '93 '95'94 '97'96
Number of Death People who got policy
14
1,204 2,97516,997
37,555
103,142
149,268
0
50,000
100,000
150,000
200,000
1 2 3 4 5 6
Unit:1,000 Baht
'92 '97'96'95'94'93
Costs of Death Claims
15
1st screening; following conditions recommended for testing HIV positive;
• 700,000 B.
• Occupation;
- Hairdresser
- Actor/Actress/Singer
- Guy designer/model
- Guidance
etc.
16
• Healthy;
- Venereal disease history
- Refusal blood donation
2nd screening; approving again by company committee
17
Tendency of Life Insurance Co.,
• May be insuring HIV-patient, when discover new efficiency drug for treatment
• Increasing insurance premium for people who got HIV later
• More strictness
• Changing the criteria; not include HIV treatment