Chapter 2 Healthcare outside the UK

Question 1

Identify ten ways healthcare can be compared against the countries?

Answer 1

1. How long people live on average
2. Improvements in longevity
   3, Infant mortality
   4, Number of doctors per 1,000 population
3. % of GDP spent on healthcare
4. Publicly v privately funded
5. Public v private split
6. % population that buy healthcare insurance
7. How equitable are systems
8. Customer satisfaction surveys
9. WHO weighted factors

Question 2

in UK what percentage is Public Health Expenditure as a proportion of Total Healthcare expenditure

Answer 2

78.5%

Question 3

How many years has life expectancy increased in UK between 1960 and 2000?

Answer 3

7 years (OECD average 8.6)

Question 4

What position was the UK in the Healthcare Access and Quality index 2017

Answer 4

30th out of 195

Question 5

Identify five items covered under international medical insurance for expatriates

Answer 5

1. In/out patient treatment expenses
2. Home nursing
3. Road/air ambulance costs
4. Drugs and dressings
5. Surgeons, anaesthetists and physician fees

Question 6

Identify 10 additional benefits which may be found on an expatriates medical expenses policy

Answer 6

1. treatment costs for chronic conditions
2. Pre existing conditions
3. GP costs
4. Dentistry optionals
5. Pregnancy/childbirth optional
6. 24/7 emergency help
7. Evacuation expenses
8. Repatriation expenses
9. Overseas burial or repatriation costs
10. Help on security matters

Question 7

What are the four expatriate medical expenses pricing structures - which is highest?

Answer 7

Europe only
Specific country or region
Rest of world excluding North America
Rest of world including North America - Highest

Question 8

Identify 7 other characteristics of expatriate medical expenses policies

Answer 8

1. Regional and country rates vary
2. Premiums and benefits payable in different currencies
3. Maximum annual sum insured to limit payments
4. Deductibles and co payments common
5. Pay premium tax where you reside in europe
   6 Policy must conform with local rules
6. Local taxes may be payable
7. Compulsory in certain countries eg Saudi Arabia

Question 9

Identify five items which impact travel insurance premiums

Answer 9

1. Age
2. Pre existing conditions cover
   3, Length of cover
3. Additional risks eg skiing
4. Countries visited

Question 10

Identify 5 differences between medical expenses insurance on a Travel policy and an expatriate policy

Answer 10

1. Covers emergency not chronic conditions
2. Subject to maximum sum insured
3. IPT payable at 20%
4. Pre or existing conditions may or may not be covered but must be declared
5. Patient will return home for further treatment

Question 11

When might a UK health scheme cover treatment abroad?

Answer 11

1. where treatment no more expensive than at home
2. Emergency treatment whilst travelling
3. Insurer gives permission for treatment and pays travel costs
4. If insurer has arrangement with hospital group

Question 12

Which country spends more on healthcare than any other?

Answer 12

USA