Question

Describe the differences between the social insurance, national health service, and private health insurance healthcare delivery models.

Answer 1

Social insurance is a concept where the government intervenes in the insurance market to ensure that a group of individuals are insured or protected against the risk of any emergencies that lead to financial problems.This is done through the process where individuals claims are partly dependent on their contributions,which can be considered as insurance premium.Private insurance programs are generally designed with greater emphasis on equity between individual purchasers of coverage and social insurance programs generally place a greater emphasis on the social adequacy of benefits for all participants.Participation in private insurance is often voluntary but in social insurance participation is mandatory.The right of benefits in a private insurance programme is contractual,based on an insurance contract.Social insurance programs are not generally based on a contract but on a statute and the right to benefits is thus statutory rather than contractual.Individually purchased private insurance generally must be fully funded,social insurance programs are often not fully funded,and some argue that full funding is not enomically desirable.The National Health Service refers to the government funded medical and health care services that everyone livng in the UK can use without being asked to pay the full cost of the service.People often refer to these health services are free at the point of use.In NHS,any UK resident can get the benefit.But there are slight differences in what is fully funded by government and what services are available across the different UK countries.NHS can use anybody,there are no charges,except for a few items.people are paying to it through their taxes.