social protection against financial risks of illness in asia and the pacific

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  • 8/9/2019 Social Protection against Financial Risks of Illness in Asia and the Pacific

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    \jldo` S{juhludji omodi|u Fdioildo` [d|a| jfD``ih|| di O|do oie ugh Soldfdl

    Eovde H) K`jjbOnot Bogo`

    @o{{t [j|hikh{mNotshh \hvd``o

    Go{vo{e \lgjj` jf Sxk`dl Gho`ugOs{d` ;;, ;3?3

    OEK [hmdjio` Ljifh{hilhHigoildim \jldo` S{juhludji

    \u{ouhmt di O|do oie ugh Soldfdl

    Ed|l`odbh{> Ugh vdh}| hws{h||he di ugd| sosh{*s{h|hiuoudji o{h ugh vdh}| jf ugh oxugj{ oie ej iju ihlh||o{d`t {hf`hlu ughvdh}| j{ sj`dldh| jf ugh O|doi Ehvh`jsbhiu Koia 'OEK$, j{ du| Kjo{e jf Mjvh{ij{|, j{ ugh mjvh{ibhiu| ught {hs{h|hiu)

    OEK ejh| iju mxo{oiuhh ugh ollx{olt jf ugh eouo dil`xehe di ugd| sosh{ oie ollhsu| ij {h|sji|dkd`dut fj{ oitlji|hqxhilh jf ughd{ x|h) Uh{bdij`jmt x|he bot iju ihlh||o{d`t kh lji|d|uhiu }dug OEK jffdldo` uh{b|)

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildo` [d|a| jf D`` Gho`ug uj Gjx|hgj`e|

    Ugh|h fo`` h||hiudo``t diuj U]J louhmj{dh|

    Diljbh @j||h| exh uj Bj{kdedut oie S{hboux{h Bj{uo`dut

    Jxu jf Sjlahu Hwshi|h| fj{ Bhedlo` U{houbhiu

    Folhe }dug o Gho`ug \gjla o gjx|hgj`e bot di s{dilds`h dilx{kjugo |xk|uoiudo` `j|| di diljbh oie o |xk|uoiudo` bhedlo`hwshi|h) Kxu du d| o`|j sj||dk`h ugou bhedlo` hwshi|h| s{hvhiudiljbh `j||h|1 oie o `ola jf ollh|| uj gho`ug loi {h|x`u di

    diljbh `j||h| }dugjxu dilx{{dim bhedlo` hwshi|h|

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Gho`ug \gjla| oie Sjvh{ut

    Lji|deh{ok`h Hvdehilh f{jb ugh {hmdji ugou fj``j}dim

    o gho`ug |gjla |jbh ljbkdioudji jf diljbh `j||h| oie

    JJS m{hou`t dil{ho|h| ugh {d|a jf dbsjvh{d|gbhiu fj{ GG|

    Hvdehilh f{jb @jimduxedio` GG \x{vht|

    Vdhuiob> ]om|uoff ';338$1 Lgdio> @dieh`j} oie ]om|uoff

    ';33=$1 Diejih|do> Mh{u`h{ oie M{xkh{ ';33;$

    Hvdehilh f{jb @o{mh L{j||"\hludjio` \x{vht|

    ?? Ljxiu{dh| 'Ejj{|`oh{ hu o`) ;336$1Diedo> Mo{m oie Ao{oi ';337$

    Kdm _xo`duoudvh \uxedh|> < \uouh| jf Diedo> A{d|gio ';33=$

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    L{j||"Ljxiu{t Vo{doudji

    di Dbsjvh{d|gdim Dbsolu| jf Gho`ug

    Dbsolu jf JJS ji Sjvh{ut Bho|x{h '\jx{lh>

    Ejj{|`oh{ hu o`) ;336$

    3)3

    8)3

    ?3)3

    ?8)3

    ;3)3;8)3

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    L{j|| Ljxiu{t Vo{doudji di \go{h jf Jxu

    jf Sjlahu \shiedim di Gho`ug Hwshi|h|

    JJS*Ujuo` Gho`ug \shiedim di ugh O|do"Soldfdl

    3)3?3)3

    ;3)3

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildo` [d|a S{juhludji> Ljbbji Lgo``himh|

    [d|dim Gho`uglo{h Hwshi|h|

    M{j}dim dildehilh jf iji"ljbbxidlok`h ljiedudji|ugou o{h hwshi|dvh uj u{hou

    Uhlgij`jmdlo` Lgoimh

    G|doj ';33=$ gho`ug lo{h hwshiedux{h m{j}ugjxu|u{dssdim MES m{j}ug }j{`e}deh di `j}" oiebdee`h"diljbh ljxiu{dh| kt jvh{ ; sh{lhiuomh sjdiu|

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildo` [d|a S{juhludji di O|do & ugh

    Soldfdl> Vo{doudji Ol{j|| Ljxiu{dh|

    \xsh{dj{ [hsxk`dl jf Aj{ho, \{d @oiao, Ugod`oie,

    Bo`ot|do, Bjimj`do

    Bdee`h Lgdio., Lhiu{o` O|do,Sgd`dssdih|, Diejih|do

    Sjj{ Diedo, Soad|uoi, Koim`oeh|g, VdhuiobLobkjedo, @oj SE[, Soldfdl D|`oie|.

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Vo{doudji di Fdioildim oie S{jvd|dji

    Ugod`oie, Bjimj`do\dmidfdloiu Sxk`dl Fdioilh oie

    S{jvd|dji, \dmidfdloiu \D,

    S{dvouh |hluj{, @j} JJS

    Lgdio, A{mt~ [hsxk`dl,

    Sgd`dssdih|., Aj{ho, Diejih|do,

    Vdhuiob

    \dmidfdloiu \jldo` Di|x{oilh,

    Sxk`dl Fdioilh oie S{jvd|dji,

    |dmidfdloiu S{dvouh |hluj{, JJS

    Bhedxb uj Gdmg

    Bj|u \jxug O|do, Bo`ot|do,

    Lobkjedo, @oj SE[, bj|u Lhiu{o`

    O|doi ljxiu{dh|

    Sxk`dl Fdioilh oie S{jvd|dji,

    \dmidfdloiu S{dvouh \hluj{, JJS

    sotbhiu| ljbbji, @dbduhe \D

    Bj|u Soldfdl D|`oie ljxiu{dh|\dmidfdloiu Sxk`dl Fdioilh oie

    S{jvd|dji, \bo`` S{dvouh \hluj{

    oie @dbduhe JJS

    M{jxs| jf Ljxiu{dh|Fdioildim oie S{jvd|dji

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Oee{h||dim Fdioildo` [d|a S{juhludji>Fjx{ Fjlx| O{ho|

    Ljvh{omh ']gou khihfdu| o{h s{jvdehe xieh{ {d|asjj` o{{oimhbhiu| oie uj }gjb:$

    Fdioildim '\jx{lh| jf Fxie|, Sjj`dimBhlgoid|b| oie Sx{lgo|h jf \h{vdlh|$

    J{moid~oudji

    Eh`dvh{t

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Ljvh{omh jf [d|a Sjj`dim O{{oimhbhiu|

    \xsh{dj{ Sh{fj{bh{|>K{hoeug & Ehsug jf Ljvh{omh d|Gdmg 'Aj{ho, Ugod`oie$1 Edffh{hilh| di \h{vdlh _xo`dut`hoe {dlg uj jsu jxu jf Sxk`dl \t|uhb '\{d @oiao,Bo`ot|do.$

    Bdee`h Sh{fj{bh{|> K{hoeug d| gdmg kxu `dbduhe Ehsug jfLjvh{omh 'Sgd`dssdih|, Lgdio$) Uo{mhudim Bhlgoid|b|

    ossho{ uj kh }j{adim fj{ ugh sjj{ di Diejih|do

    @j}" Sh{fj{bh{|> @j} qxo`dut di ugh sxk`dl |hluj{1 oie

    `dbduhe k{hoeug*ehsug jf jugh{ sjj`dim bhlgoid|b| `hoe|uj kjug {dlg oie sjj{ {h`tdim ji ugh s{dvouh |hluj{ oiejxu jf sjlahu bhlgoid|b|) \jbh bot fj{mj lo{hkhlox|h jf `ola jf jsudji|

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildim> \jx{lh| jf Fxie|

    Mhih{o` {hvhixh|, Ho{bo{ahe Uowh|, Sot{j`` Ljiu{dkxudji|,S{hbdxb| fj{ Vj`xiuo{t Di|x{oilh, JJS*\ovdim|

    Di khuuh{ sh{fj{bdim gho`ug |t|uhb|, sot{j`` uowh| |xssj{u {d|asjj`| fj{ ugh fj{bo` |hluj{1 mhih{o` {hvhixh| |xssj{u ughihhet 'Aj{ho$) Hwlhsudji| o{h \{d @oiao oie Ugod`oie }dug`o{mh difj{bo` |hluj{| 'hffdldhiu x|h jf {hvhixh|1 |xsh{dj{ j{

    ij uo{mhudim, ho{bo{ahe uowh| di Ugod`oie$

    Fj{ jugh{|, hwsoi|dji jf ljvh{omh fj{ ugh '`o{mh$ difj{bo`

    |hluj{*sjj{ }d`` ehshie ji mhih{o` {hvhixh|, ho{bo{ahe{hvhixh| oie khuuh{ x|h jf sxk`dl fxie|, dil`xedim uo{mhudim

    'Okd`dut uj sot, mobdim khgovdj{ `dbdu| ljiu{dkxuj{t j{vj`xiuo{t |t|uhb|.$ 'Bdl{j"gho`ug di|x{oilh:$

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildim> Sjj`dim & Sx{lgo|dim

    Hffdldhilt oie Offj{eokd`dut

    \dim`h vh{|x| Bx`uds`h Sx{lgo|h{|

    'FF\ }dug ljiu{oluhe s{dlh|, Losduoudji |t|uhb|, sh{edhb|*lo|h, E[M utsh sotbhiu|, sjdiu"vo`xh s`x|M`jko` Kxemhu|, S{dlh Ljiu{j`|, \o`o{t }dug*}dugjxukjix|$

    Ljbbji di ugh [hmdji Ugod`oie, \dimosj{h, Aj{ho,Diedo, Diejih|do

    S{dvouh oie sxk`dl ljbshududji 'o| o lj|u ljiu{j``dim|u{ouhmt$ bot hie }dug ugh eh|u{xludji jf ugh sxk`dl

    |hluj{

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Fdioildim> Sx{lgo|dim

    X|h jf |jbh jf ugh bj{h l{houdvh sotbhiu bhlgoid|b|}d`` {hqxd{h 'o$ |jbh |hso{oudji jf s{jvdeh{| f{jbsx{lgo|h{|1 'k$ oee{h||dim qxo`dut jf lo{h1 'l$ lj|udifj{boudji 'e$ ljiu{oludim

    Oxujijbt jf sxk`dl gho`ug fold`dudh| uj {h|sjie uj dilhiudvh| Lgdio, Oieg{o S{oeh|g 'Diedo$, Diejih|do, Bjimj`do,

    Ao~oag|uoi

    E[M |t|uhb| loi kh hwu{hbh`t eouo ghovt1 Bjiduj{dim

    qxo`dut loi o`|j kh lgo``himdim 'lo|h jf N\T oie \H]O diDiedo$) Lj|u| fj{ ljiu{oludim sx{sj|h| ihhe uj kh {ho`d|udl)

    @dbduhe Losoldut fj{ Boiomdim {d|a sjj`| oie |x{s`x| fxie|

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    Hi|x{dim ugh S{jvdeh{ Dif{o|u{xlux{h

    Ehboie |deh oss{jolgh| }j{a ji`t df ugh{h d| o |xss`t

    fj{ugljbdim jf s{jvdeh{| jf mjje qxo`dut

    @dbduhe sxk`dl |h{vdlh| di {hbjuh o{ho| oie sh{|jiih`|gj{uomh| `j} `hvh`| jf gxboi {h|jx{lh|, gdmg {ouh| jfok|hiuhhd|b) Xil`ho{ df ugd| loi kh fdwhe 'Lhiu{o` O|do,\jxug O|do, \jxugho|u O|do$

    S{dvouh \hluj{ \j`xudji|> S{dvouh s{jvd|dji d| `dbduhe di sjj{oie {hbjuh o{ho| oie ljbshududji d| xi`dah`t) _xo`dut loi kh

    oi d||xh)

    Bjkd`h L`didl|, DU"ko|he edomij|udl| oie u{houbhiu s{jujlj`|

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    \jldo` gho`ug s{juhludji di O|do oie ugh Soldfdl

    F{jb ugh Sh{|shludvh jf OEK| \u{ouhmt ;3;3

    Mjje Mjvh{ioilh>[hlj{e ahhsdim |t|uhb| fj{ khuuh{ uo{mhudim, bjiduj{dimoie lj|udim1 \u{himughi losoldut fj{ boiomhbhiu jf {d|asjj`|, ljiu{oludim & `hmo` |t|uhb|

    Aij}`hemh \j`xudji| oie [hmdjio` Ljjsh{oudji>

    [h|ho{lg> Hvo`xoudji oie Difj{boudji Hwlgoimh 'h)m),Bdl{j"di|x{oilh1 sotbhiu |t|uhb|$

    S{dvouh \hluj{ Ehvh`jsbhiu oie Mhieh{ Hqxdut>\xssj{udim ugh Sd`judim oie \lo`dim Xs jf DiijvoudvhS{dvouh \hluj{"`he \h{vdlh Eh`dvh{t \j`xudji| fj{ [x{o`O{ho| 'Njk L{houdji oie Ollh|| uj Lo{h$