Report of the Royal Commission on National Health Insurance

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Monograph

Identifikator:: 1740277147

URN:: urn:nbn:de:zbw-retromon-132094

Document type:: Monograph

Title:: Report of the Royal Commission on National Health Insurance

Place of publication:: London

Publisher:: Stationery Office

Year of publication:: 1926

Scope:: XII, 394 S.

Digitisation:: 2020

Collection:: Economics Books

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Document type:: Monograph

Structure type:: Chapter

Title:: Chapter VII. The financial resources of health insurance scheme

Collection:: Economics Books

try NW MAJORITY REPORT. therefore be reduced to a sum of 4s. 0d. a year in the case of men and 9d. a year in the case of women throughout life, or the equivalents of these amounts in the event of the adoption of a form of benefit which does not involve an equal expenditure in every year of insured life. The main question for consideration is the manner in which this balance in the margin should be applied. The following possibilities emerge : (1) It could remain as a margin, in which case it would serve to strengthen the financial position of all Societies on valuation, affording permanent support for additional benefits, in the case of what, we hope, will continue to be the great majority of Societies. (2) 1t might be applied towards the cost of one or more of the various extensions of the statutory benefits which have been suggested. (3) It might be used to reduce the cost of the Scheme to one or more of the three contributing parties, viz., the insured persons, the employers and the State. 184. There is something to be said, no doubt, in favour of the first of these courses, bearing in mind, particularly, the features of the sickness and disablement experience to which the Actuarial Committee have drawn attention. But in view of the fact that the Committee, relying, no doubt, on the exercise of effective supervision of the claims, express the opinion (in paragraph 29 of their First Report) that the whole of the margin may be applied to new purposes, we do not think it incumbent on us to recommend that any part of it should be retained as a provision in respect of present liabilities. 185. With reference to the second of the three alternative courses, we deal in Chapters X to XII with the various forms of extensions of benefit which have been recommended to us, and indicate, in regard to those which we regard as practicable, the extent to which the available margin would render their adoption possible, at the same time stating the order of priority in which, in our opinion, the various alternative extensions should be placed. 186. As regards the rates of contribution, a reduction of 1d. in the joint weekly contribution of 9d. in the case of men would be possible if such reduction could be deemed to be expenditure on benefits for the purpose of attracting the State grant, but the division of this 1d. between the employer and the worker would probably be objectionable to employers, as it would involve the deduction of aniodd %d. from wages. If the whole 1d. were taken off the worker's contribution, the result would be that the deduction from the wages of an employed woman for Health Insurance would be 4d. as against 33d. in the case of an employed man, though the woman's rate of sickness benefit is lower than that of a man. The deduction of the whole 1d. from the

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