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THE NATIONAL INSURANCE ACT.

UNALLOTTED FUNDS AND THE SCOTTISH CLERKS’ASSOCIATION.

AT a meeting of the Glamorgan Insurance Com-mittee, when the question came up for discussionas to the allocation of money in respect of insuredpersons who had not chosen any medical man onthe panel, a letter was read from a body called theScottish Clerks’ Association, urging the committeeto refrain from dividing the funds in their hands,which they were apparently prepared to do uponlines recommended by the Panel Committee. TheScottish Clerks’ Association said:

" You and your

committee and the medical profession generallywill recognise that a large proportion of the

respectable classes in every community preferto be treated as private rather than as

panel patients, and to pay for it, which mustbe as satisfactory to the doctor as to them. Inthis way the insured person is paying twice formedical treatment, and the doctors are receivingdouble remuneration from such patients. Mydirectors feel sure,.therefore, that Insurance Com-mittees and doctors alike will refrain from touchingthese funds until steps are taken to turn them toa purpose which they are sure will be universallyapproved." Whatever right the " Scottish Clerks’Association" may have to interfere in the delibera-tions of the Glamorgan Insurance Committee,which referred the matter for further considera-tion to its medical benefit committee, it is tobe hoped that its views will neither be endorsedby the Glamorgan committee nor accepted thereor anywhere by the medical profession. Medicalmen on the panels entered into contracts withthe full knowledge of what is obvious to every-one-that a large number of persons, whetherof the respectable classes" referred to by theScottish Clerks’ Association or not, would not choosetheir medical advisers on the panels until they wereill. Acting upon the principles of insurance, themedical profession took this into consideration inagreeing to work for remuneration which otherwisewould be inadequate, but they knew that underthe Insurance Act insured persons not makinga choice for themselves had to be allotted

by Insurance Committees. The failure of thecommittees to do this, in the stress of setting themachinery of the Act in motion, has caused theaccumulation of large sums of money and drawnattention to the whole matter, but if the con-

tentions of the Scottish Clerks’ Association are right,and if the funds can justly and legally be divertedfrom their original object, there can be nothing toprevent the repetition of the conditions to whichwe have referred above as due to the congestion ofwork in the early days of the Act. In short, if thisbe so, any committee having the same object inview, such as the starting of nursing homes, mayraise a fund for it by neglecting to carry out whatis laid down in principle by Section 15, Sub-section 2 (d), of the Insurance Act, 1911, and

refusing to allot to medical men on the panelsany patients who do not make a selection forthemselves.

THE CERTIFICATION QUESTION IN DUBLIN.The following resolution was passed unanimously

at a recent meeting of the Insurance Committee ofthe County Borough of Dublin :-

That we, the Insurance Committee for the Borough of

Dublin, are of the opinion that the Irish Insurance Com-missioners should come to some satisfactory arrangementwith the Approved Societies and doctors so that insuredpersons in Dublin may get the benefit of the moneys votedby Parliament for the purpose of the furnishing of sicknesscertificates free of cost by the establishment of a certify-ing panel for this district. We earnestly appeal to theirpatriotism as Irishmen to the members of the medical pro-fession in Dublin to endeavour on their part by mutualagreement with the Irish Commissioners to retain this

money, voted specially for certification work in Ireland, andso avoid its being returned from year to year to the BritishTreasury. That copies of this resolution be sent to the

press, the Irish Commissioners, and the local MedicalAssociation.

Medical News.UNIVERSITY OF LONDON.—At examinations held

in July the following candidates were successful :-FIRST EXAMINATION FOR MEDICAL DEGREES.

Lena Cecilia Adam, London (Royal Free Hospital) School of Medi-cine for Women ; Wilfred Mark Anthony, St. Thomas’s Hospital;Norman Dyer Ball, Mill Hill School and University College;Loveday Shackell Banes and Annie Hardy Banks, London (RoyalFree Hospital) School of Medicine for Women; Montv Baranov,University College ; Lewis Henry Bartram, Trinity College, Cam-bridge ; Henry Eric Beasley, Epsom College; Edward ArdleyBeaulah, Middlesex Hospital ; Henry Spencer Bell, St. Bartholo-mew’s Hospital; Enid Margaret Mary Bevan, London (Royal FreeHospital) School of Medicine for Women; Jacob Brodetsky, B.Sc.,Birkbeck College; John Douglas Major Cardell, Epsom College;Charles Eric Cobb, St. Thomas’s Hospital; "Humphrey Noel FelixCook, University College ; Reginald Vincent Cookes, Guy’s Hos-pital ; George Ernest Cornaby. Kingswood School; Anthony BeachCowley. St. Bartholomew’s Hospital; Nora Annie Crow, London(Royal Free Hospital) School of Medicine for Women; Guy PascoeCrowden, University College; David Sidney Davies, UniversityCollege, Cardiff ; Idris Davies, Pontypridd Intermediate School;Mary Day, London (Royal Free Hospital) School of Medicinefor Women: Francis Percival de Caux, University College,Auckland ; Walter Stewart Dickson, St. Thomas’s Hospital ;George Wilhelm Robert W. Dreiheller, St. Bartholomew’s Hospital;Abraham Eidinow, London Hospital Sylvia Victoria Elman,London (Royal Free Hospital) School of Medicine for Women,Frederick Augustus Evans, Llangefni County School; DonaldCharles Fairbairn, St. Bartholomew’s Hospital; Lilian MabelFisher, London (Royal Free Hospital) School of Medicine forWomen; Gerald William Thomas Hunter Fleming, UniversityCollege, Durham ; Abraham Foner, Swansea Technical College ;Wilfrid Frederick Francis, Berkhamsted School; Frank AlfredGaydon, St. Thomas’s Hospital; Eric James Gordon Gibb,St. Paul’s’School; Alfred Laurence Goff, King’s College; WalterHenry Grace. University of Sydney; St. George Bernard DelisleGray, Guy’s Hospital; Gwenvron Vfary Griffiths, Bedford College;Arthur Sheldon Hands, Epsom College ; Norman Gray Hill, LondonHospital; Oscar Stanley Hillman, University College, Nottingham ;Joseph Walker Hirst, Epsom College; Albert William Holgate,Alleyn’s School and Birkbeck College; Henry Nevill Hornibrook,St. Paul’s School; Marshall Jackson, St. Bartholomew’s Hospital;Santo Weisberg Jeger, University College, Cardiff ; Robert DavidJones, University of Liverpool; Vasant Ramji Khanolkar, Uni-versity College; Muriel Elsie Landau and Mary Kathleen ForsaithLander, London (Royal Free Hospital) School of Medicine forWomen; Eugène Henri Leon Leclezio. Guy’s Hospital; CharlesGordon Lewis, University of Birmingham; Simon Sally Lieber-mann, St. Thomas’s Hospital ; Charles Arthur Lindup, EpsomCollege; Andrew Best McBride. King’s College; Ernest KennethMacdonald, St. Thomas’s Hospital; Donald McDonald-Taylor,University College, Cardiff ; tJanet McAllister McGill, London(Roval Free Hospital) School of Medicine for Women; NoelOlliffe Compton Mackenzie, Epsom College ; Gerald Joseph WyldMcMichael, University of Birmingham; Vida Sara Maxwell.London (Royal Free Hospital) School of Medicine for Women;Alfred Mitchell, King’s College ; George Sydney Morgan, LondonHospital; Edith Mary Ponsonby Morris, London (Royal FreeHospital) School of Medicine for Women; John Ernest Nicole,King’s College; Norah Dorothy O’Flyn, University College,Cardiff ; Reginald Ernest Overton, University College; MargueriteHenrietta Pam, London (Royal Free Hospital) School of Medicinefor Women; Manek Jamshedji Panthaky, King’s College and Uni-versity Tutorial College; Charles Frederick Parry and ThomasParry, University College, Cardiff ; *Rowland John Perkins, St.Bartholomew’s Hospital; Gordon Frank Peters, Guv’s Hospital;George Stuart Bain Philip, King’s College and Charing CrossHospital; Frederick Charles Player, Derby Technical College;Leonard Duncan Porteous, St. Bartholomew’s Hospital; JohnNorthley Julian Powlesland. University College, Exeter ;Dorothy Priestley Priestley, Girton College and University ofLeeds; Mary Millicent Prior, London (Royal Free Hospital) Schoolof Medicine for Women; Walter Ernst Karl Adolf Quitmann,University College; Ernest Frank Rabey, Middlesex Hospital;Ronald Seton Ralph. Guy’s Hospital ; Edward Douglas ThomasRoberts, St. Thomas’s Hospital; Harold Shillito Robinson andGeorge Rendle Rolston, London Hospital; Edward Snow Rosp,Epsom College; Benjamin Rosenstein, Westminster City School ;Douglas James Lionel Routh. University College; Charles CecilRowland, London Hospital ; Albert_Ernest Sawday, Guy’s Hospital;