Failing or inadequate health systems are one of the main barriers to scaling-up interventions towards the achievement of the millennium development goals. Poor countries have long struggled to control infectious disease, reduce mortality and severe morbidity, and improve survival rates with inadequate resources that are echoed in delayed diagnosis and poor service delivery at local levels.
Out-of-pocket (OOP) expenditure is the principal source of health financing in many developing countries, particularly in Asia. The situation in Indonesia is very similar with other countries in Asia. OOP expenditure is the dominant source of health financing; almost 70% of total private expenditure is incurred at the point of use of health services. Health insurance can provide financial protection to household in the event of health shock and can reduce catastrophic OOP expenditure on health care.
Health insurance is a key instrument in current health financing reforms. In a review published, the lack of attention to the ability of poor households to pay fees, and the effects of user fees on health seeking and treatment. Subsequent studies in low and middle-income countries on the relationship between user fees and the utilization of public health services support claims that direct costs discourage presentation by poor people.
Low coverage has resulted from a range of factors, including low capacity to pay premium contributions. In other hand, a world health insurance would shed different light on the problem of sustainability. Several effective health interventions are branded as “unsustainable” in poor countries, because national health budgets cannot afford them.
So, what is the best way in your view?
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Note : This is my literature study for my proposal Master of Public Health