Health Systems

Question 1

Health System Final Goals

Answer 1

• Impoving health
• Financial protection
• Fair financing
• Responisvness to expecations

Question 1

Define Health Systems

Answer 1

The organisation of people, institutions, and resources that deliver health care services to meet health needs of target population (WHO 2000)

Question 2

Health System Functions

Answer 2

• Generating resources
• Financing
• Providing services
• Governance

Question 3

Healthcare Insurance

Answer 3

Aims to shift resources from those who are well to those who are sick (rich to poor to)

Question 4

Information asymetry

Answer 4

When one party has more information about the transcation then the other

Question 5

Moral Hazard

Answer 5

The risk that someone is willing to take when it come to coverage. Under full insirance patents and providers do not bear the cost of unecessary use of health services
- Ex-ante: will put their own life at risk if they know they are insured
- Ex-post: will over use the system

Can be regulated with User Charges

Question 6

Adverse Selection

Answer 6

Healthier individuals are less likely to participate in a health insurance plan, leaving a disproportionate number of sicker and more expensive patients in the pool

Death sprial:
- All pay same primum then low risk individuals will leave the market leaving high concentration of high risk individuals

Solution
- Private markers: advantageous selection (depending on risk, will select low risk only), barriers to accessing insurance/compulsory coverage (lock everyone in and focus on having lower costs), public health system

Question 7

Sources of healthcare finance

Answer 7

Kutzins WHO 2000

Public
- General taxation
- Social Health Insurance (SHI)

Private
- Private health insurance (PHI)
- Medical saving accounts (MSA)
- User Charges
- Informal payments