...ON THE PROPOSED SOCIAL HEALTH INSURANCE WORKING IN GULELE SUB CITY, ADDIS ABABA, ETHIOPIA. BY MENGISTU KIFLE (BSC) A RESEARCH PROPOSAL TO BE SUBMITTED TO FACULTY OF PUBLIC HEALTH, DEPARTMENT OF HEALTH SERVICES MANAGEMENT AND PLANNING,JIMMA UNIVERSITY; IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR MASTERS OF PUBLIC HEALTH IN HEALTH SERVICES MANAGEMENT CIVIL SERVANTS’ PERCEPTION ON THE PROPOSED SOCIAL HEALTH INSURANCE WORKING IN GULELE SUB CITY, ADDIS ABABA, ETHIOPIA. BY: Mengistu Kifle (BSC) Name of advisors: 1. Dr Elias Ali Yesuf (MD, MPH) 2. Mr.Tesfamicheal Alaro (Bsc, MPH) Summary Back ground: Health care financing continues to stir debates around the world. Many low and middle income countries especially, keep on exploring different ways of financing their health systems. The government of Ethiopia initiated social health insurance to be applied first on the formal employer with compulsory membership of the system and the members will get health service including their family from contracted health facility with the Ethiopian health insurance agency by contributing a pre-service payment. The health insurance agency will control and manage the insurance system in the country. Objective: The aim of this study is to assess civil servants’ perception and associated factors on the proposed social health insurance working in Gulele sub-city...
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...and perception towards health insurance portability.” INTRODUCTION Healthcare Insurance Market in India is unique and has a strong growth potential than the other insurance markets. Life insurance includes all risks related to the lives of human beings. IRDA (Insurance Regulatory and Development Authority) allowed to the customer to change their insurance company in case of dissatisfaction with company. Health insurance portability gives the flexibility to the customer and increase the fair competition among companies. The concept of Portability is new in India so the awareness and perception towards portability of customers depends on several factors. The study covers all the fundamental aspects of awareness and customer preference towards healthcare insurance portability in India. The objective of this study is therefore to examine some of the influences such as consumer awareness and enthusiasm, the role of social influences like advertising, services provided by company, groups and family in affecting consumer’s perception and evaluations of health insurance. RATIONALE OF STUDY • The main logic behind doing this study is that the concept of Health insurance portability is new in India so the awareness of that is not measure till now. • The second rationale of the study is that there are certain reason to influence the customer to change their service provider. • Another rationale of study is to understand the consumer preference towards the health insurance...
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...Note: The paper emphasizes on the role of all the stake holders of the health insurance industry, with particular focus on Policyholders perceptions on Health insurance based on household survey. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! By *V. Jayalakshmi (M.Phil, LLB, FIIII(Non-Life)) __________________________________________________________________ * Assistant Professor, Siva Sivani Institute of Management, Kompally, Secunderabad, Andhra Pradesh, India. Pursuing Ph D from Osmania University, jayalakshmi@ssim.ac.in *This paper was presented at the National Seminar on Health Insurance “A Decade of Experience: Health Care Insurance… Present Scenario”, in Hyderabad on 24th January, 2012. The Burgeoning Indian Health Insurance Industry: ……...Yet miles to go!!! Introduction Health insurance has become one of the fastest growing segments in the non-life insurance industry in India in the recent years, experiencing a robust sixty per cent remarkable growth during 2007 – 08 over the past year. From a modest premium volume of Rs. 675 crore in 2001- 02 the health insurance premium has grown to Rs. 7803 crores in year 2009-2010, and is poised to grow at a compound annual growth rate (CAGR) of 25 to 30 per cent to reach a market size of around Rs 28,000 crore by financial year (FY) 2015 as per IRDA estimates. This segment is also emerging...
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...Donnie Tatar University of Michigan HSM544: Health Policy and Economics As the newly appointed chief of staff I have been tasked with responding to a proposal for reducing Medicare expenditures by enrolling participants in HMO. I understand that we have some key questions must be addressed and that we must justify our position on either economic efficiency or equity grounds. Outlined below are some of the questions that must be answered in order address this issue properly. Is Medicare in a state of crisis? Are you aware of the various policies that are being enacted from each state to state regarding the qualification of Medicare? Medicare is funded by the federal government and each state is responsible for operating the Medicare program as well as the local Medicaid programs. However, premiums have increased for Medicare and also, the coverage has changed in the past few years requiring people to purchase additional supplemental Medicare policies - this is difficult for elderly that have fixed incomes. If the elderly are unable to purchase Medicare, they will go uninsured. The Medicare system is double-funded. It is funded by the taxpayer (federal dollar) as well as the premiums being collected. But, in being double-funded, the coverage is still not as high as most private insurance companies making them appear with less quality. Are radical measures necessary to preserve the program? This is a very interesting question and you will have to take a more subjective...
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...A GENERAL PERCEPTION PUBLIC HAVE TOWARDS SAVINGS TO HEALTH AND LIFE INSURANCE 1. Age ___________ Annual Income ___________________ Profession _______________ 2. Which insurance policy do you have? a. life b. General c. both d. None 3. Do you have a health insurance policy a. Yes b. no 4. Which co’s insurance policy you prefer the most? (rank them) a) LIC b) HDFC ergo c) ICICI Lombard d) SBI life insurance e) ING VYSYA life b) RELIANCE life insurance g) TATA AIG life h) any other ________( specify) 5. What do you think are the benefits insurance cover? (rank them) a) future risk b) tax deductions c) future investment d) any other 6. What’s your perception about insurance? (RANK THEM) a) a saving tool b) a tax saving device c) a tool to protect future 7. How would you buy insurance? a) customer approached insurance cos b) insurance cos approached customer 8. Where do you invest for tax saving? (rank them) a) Insurance b) NSC(National Savings Certificate) c) BONDS d) PF(Provident Fund) e) Purchase of Housing 9. What do you intent to gain from investments? a) saving & returns b) security c) tax benefits 10. What’s the right age to buy health insurance? a) after 25 yrs b) after 35 yrs c) after 45 yrs d) anytime 11. How...
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...Customer Perception Towards Health Insurance Q.1 Do you have any Insurance Policy? (a) Yes (b) No Analysis:- 68% Respondents having Insurance Policy. 32% Respondents don’t have any kind of Insurance Policy. Q.2 Are you aware about Health Insurance? (a)Yes (b) No Analysis:- 72% Respondents know about Health Insurance Policy 28% Respondents don’t know about Health Insurance Policy Q.3 If yes, do you know benefits of health insurance? (a) Yes ( b ) No Analysis:- 64% Respondents aware about Health Insurance benefits. 36% Respondents don’t know benefits of Health Insurance. Q.4 Do you have any Health Insurance Policy? (a) Yes (b) No Analysis:- 38% Respondents having Health Insurance policy. 62% Respondents don’t have Health Insurance policy. Q.5 If yes, which companies plan do you avail? (a) ICICI Lombard (b) Bajaj Alliance (c ) Star Allied (d) New India Assurance (e) Others Analysis:- 36.84% users are availing ICICI Lombard Health Insurance plan. 26.32% users are availing Bajaj Allianz Insurance Plan. 15.79% users are availing Star Allied Health Insurance Plan. 15.79% users are availing...
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...of results, concerns regarding their knowledge about other providers’ patient and time needed to discuss. All PCPs readily acknowledged the shortage of time in the clinics. Most pointed to the effectiveness of MAs for pre-screening to increase the flow of the patient population. However, the PCPs in our study also pointed to patient questions they felt would inevitably rise resulting from these pre-screenings and screenings related such diseases as mammograms, colon cancer, prostate cancer, HIV and Hepatitis C, which demanded their time and their expertise. As showed in the figure below, a provider’s decision is influenced by patient factors, EMR prompts and the type of visit. The majority of providers expressed time constraints, EMR inflexibility and complex health conditions as barriers to provide preventive care to their patients. Good patient provider relationship and support from their team members act as facilitators to provide preventive health. In addition to those factors, impact of the particular preventive service to the patient also influences provider’s...
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...AWARENESS, AND PERCEPTIONS OF GENETIC TESTING AMONG HISPANIC FAMILY MEMBERS OF BREAST CANCER SURVIVORS Objective: To provide a preliminary description of the interest, awareness, and perceptions of genetic testing among Hispanics with a family history of breast cancer Design: This cross-sectional pilot study used interpersonal structured interviews for data collection. Participants: We interviewed 48 Hispanics without breast cancer but who had a family member with breast cancer; participants lived in San Antonio and the surrounding area. Main Outcome: The outcomes were interest in breast cancer genetic testing, awareness about genetic testing, perceived risk of carrying a breast cancer susceptibility gene, and the perceived benefits and risks associated with a genetic test. Measures: Items previously used in research regarding interest and perceived genetic risk and a previously validated benefits and riskslimitations scale for genetic testing commonly used by other researchers were used to measure the outcomes. Results: Awareness of genetic testing for breast cancer susceptibility was very low, yet most (82%) participants were interested in a genetic test for breast cancer susceptibility. Participants were more likely to identify with the benefits than the potential risks of genetic testing. The most highly endorsed benefits were to know to take better care of one’s self and to undergo more frequent screening. Conclusions: Hispanics seem to have positive perceptions about genetic testing...
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...Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 This publication was produced for review by the United States Agency for International Development. It was prepared by Constella Futures, New Delhi ITAP is a three-year project funded by United States Agency for International Development under Contract No. GPO-1-01-0400015-00 beginning April 1, 2005_ The project is being implemented by Constella Futures in partnership with Bearing Point, Sibley International, Johns Hopkins University, QED, Urban Institute and Association of Reproductive Health Professionals (ARHP). For further information contact: Constella Futures 1 D-11, Parkwood Estates Rao Tula RamMarg New Delhi 1100 022 Health Insurance Needs, Awareness and Assessment in the Bahraich District, Uttar Pradesh JANUARY 2008 The authors' views expreseed in this publication do not necessarily reflect the views of the United States Agency for International Development or the United States Government Contents List of Tables List of Figures List of Abbreviations Executive Summary Chapter 1: Background and Methodology .......................................................... 1.1 Introduction... 1.2 Objectives of the Study ................................. 1.3 Study Design and Methodology ....................................................................... 1.3.1 Sampling and Sample 1.3.2 Study techniques ..............................................
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...The Impact of Micro-Health Insurance on the Access to Health Care Service among the Informal Sector Employee in Nigeria. Saheed O. Olayiwola, Crescent University, Abeokuta. E-Mali: saheedolayiwola@yahoo.com ABSTRACT Health care insurance was formally launched in Nigeria in 2005 as a mechanism of catering of funding health care. The scheme which was designed along three streams of programmes vis: Formal Sector Programme (FSP), Informal Sector Programme (ISP) and Vulnerable Groups Programme (VSP) was currently catered for only formal sector employee. This paper analyze whether or not micro-health insurance scheme can be used to increase access to health care and utilization of health care services by the informal sector employee using the example of Lagos State Mutual health plan and Hygeia Community Health Plan. A binary probit model is employ to estimate the determinants of participation in micro-health insurance and logit/log-linear model is used to measure the impact of micro-health insurance on access to health care services and utilization of health care services in Nigeria. The results shows that participation in micro-health insurance is dependent on household characteristics, coverage of illness, perception about future health care expenditure, age, number of children in the family, knowledge about health insurance, confidence in government policy and that household income and price of health care services have a...
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...2014. Nationwide, only 2 percent of acute-care hospitals are safety-net facilities, but they currently provide about 20 percent of all uncompensated care to provided to the uninsured. Despite this statistic, a decline in America's uninsured is unlikely to relinquish the need for safety-net hospitals, according to experts. Public hospitals for the poor will still have a place in the American landscape, especially since most safety-nets are responsible for training physicians and take on significant patient volumes would otherwise incapacitate markets. Instead, it's the traditional role and public perception of safety-nets that's poised for the biggest transformation. "These hospitals don't always set out wanting to be the safety-nets, but it's a position they get forced into," says Igor Belokrinitsky, a strategy consultant with Booz & Company in Chicago. "They become a hospital of last resort, but they really want to be a hospital of choice. Do you want to stay a safety-net hospital or find something else that will set you apart?" One safey-net's approach Newspaper editor Henry W. Grady founded Atlanta-based Grady Health more than 120 years ago, concerned about a lack of quality healthcare for Atlanta's poor. Today, Grady's payer mix is roughly 34 percent uninsured, 32 percent Medicaid and 17 percent Medicare, with the rest covered by commercial insurance and workers' compensation. Grady provided roughly $200 million in uncompensated care to 100,000 uninsured patients...
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...ASSIGNMENT COSUMER BEHAVIOUR LIFE INSURANCE SUBMITTED BY: PRATIBHA RAJ M.F.M. - II INTRODUCTION Life Insurance is the key to good financial future planning. On one hand, it safeguards our money and on the other, ensures its growth, thus providing us with complete financial well being. Life Insurance can be termed as an agreement between the policy owner and the insurer, where the insurer for a consideration agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness, critical illness or maturity of the policy. In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company, selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. Till date, only 20% of the total insurable population of India is covered under various life insurance scheme (*Source: Center for Insurance Training, Research and Development), the penetration rates of health and other non-life insurances in India is also well below the international level. These facts indicate the scope of immense...
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...Health Care Utilization Paper Option B Svetlana Leyzerov HCS/235 May 25, 2015 Hanna Matatyaho Health Care Utilization Paper Option B The Behavioral Model of Health Services utilization was developed by Ron Andersen in 1968, and subsequently refined with his colleagues over the years. It is the most widely adopted conceptual framework for studying the use of health services, especially with regard to determining whether or not access to and consumption of health services is fair. The model underwent three revisions, or phases, the first of which was the initial Behavioral Model. Developed in the 1960s, this phase was focused on individual use of the health care services. Phase two was in 1970s, where Anderson collaborated with other colleagues in order to recognize the importance of national health policy, the resources in the health care system, and changes in those over time. A third phase, in 1990s, acknowledged changes in the environment as part of understanding the use of health care services. Although the Behavioral Model of Health Services Use was revised, the core factors that it was built on stayed the same. It is based on a function of predisposing, enabling, and need for health care. The predisposing factors are stronger in tendency for some individuals than in others. It is further subdivided into demographic factors including age, gender, and ethnicity; social factors- education, occupation, and residence mobility; health beliefs-attitude toward the...
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...1. Product strategies of private life insurance companies 2. A study on “why companies should go for outsourcing” 3. Effectiveness of advertising on real estate sector 4. Study on consumer expectations and perceptions towards consumer loans 5. Workers attrition rate at hotel industry is increasing. Study regarding this issue 6. Attrition rates at different sectors 7. Effectiveness and scope of employee referrals in the process of talent sourcing 8. Study of training needs across different industries 9. Study on creation of luxury brand 10. Strategies used to build successful Internet based customer services 11. Measuring the effectiveness of retail banking of a nationalised bank compared to a MNC 12. Conspicuous consumption 13. Study of awareness and acceptibility of UPVC windows and door systems 14. Opportunities of Financing the NANO’s in Bangalore 15. Changing trends in FMCG industry in India 16. A study of best HR practices in service industry 17. Fundamental analysis of Indian telecom companies 18. Study of consumer behaviour in automobile industry 19. customer buying behaviour towards insurance products 20. Promotion strategies followed in Insurance sector 21. Study on changing consumer preference towards organised retailing from un-organised retailing 22. study on “impact of advertising in B2B marketing” 23. Distribution network & general insurance industry 24. A study on distribution channels in aluminium industry 25. Study on strategies for...
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...or in some cases convince the patients that a physical examination by a doctor is not necessary. Thus the patients in the waiting area might never come back except for surgeries or emergencies. Hence it will be difficult to convince hospitals to install online kiosks in their premises. 2) Retail Clinics: The retail clinics are headed by Nursing Practitioners, who have approximately 600 million patient visits each year. Thus the market size represents a sizeable opportunity for American Well. Introducing online kiosks at retail centers could turn out to be a win-win situation for both American Well and retail clinics since this move might improve the perception of retail clinics as a legitimate and effective delivery centre of healthcare. The NPs too can have access to physicians’ advice in case of any doubts or queries about a...
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