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 XII. Consideration of certain major problems

Collection:: Economics Books

MAJORITY REPORT. 177 (Q. 4383) object to the formation of a State Society, and hold that the retention of the class for the residuum is desirable. The Manchester Unity Order of Oddfellows (App. VII, 64-66: Q. 5847-5848, 5851-5855, 5882-5888) suggest the formation of a special Deposit Contributors Society. The Independent Order of Rechabites (Q. 6116) and the Joint Committee of Approved Societies (Q. 8243) would abolish the class and would accept compulsory allocation to Societies, but would not give up the right of expulsion. The Prudential Approved Societies (Q. 9686) would have no objection to the formation of a State Society. 404. The National Federation of Rural Approved Societies (App. XXIX, 16; OQ. 11,716-11,732) suggest that those deposit contributors who are unable to join an Approved Society by reason of the state of their health should be entitled to benefits at such rates as may be found actuarially possible, but not exceeding the normal rates, and that for this purpose the accrued interest on the Deposit Contributors Fund and the balances in the faccounts of those members who cease insurance should be available after any member of the type referred to has exhausted the amount standing to his individual credit. QUESTION OF COMPULSORY ALLOCATION. 405. We have considered the proposal for compulsory alloca- tion of the deposit contributors among Approved Societies, but are convinced that such a scheme, however attractive in theory, Would fail on the practical side. It would be expensive and Contentious ; it would provide a difficult and continuing problem. It might involve renunciation by all Societies of their right to eject an applicant or expel a member. Some Societies would be willing to make this sacrifice, but others, particularly those ldentified with special interests (such as temperance), are un- Willing, and it would be difficult to require such Societies to Tenounce the essential basis of their association. Moreover, Compulsory allocation would tend to destroy the fundamental Conception of Approved Societies as voluntary associations of sured persons, and the Department ought not to be a party to forcing unwilling members on unwilling Societies, especially a8, in the case of small units (which could not be ignored), the allocation of one bad life might adversely affect the interests of all the members. Even if the difficulties as regards Approved Societies were surmounted, the still greater difficulties of the allocation authorities would remain, whether these were central or local bodies. At the cost of much labour and expense the Department could supply classified lists of existing deposit “Ontributors, but while the allocation authorities deliberated Dew cases would be arising at a rate not far short of 50,000 very six months, and these also would require to be sorted and listed ; while provision would have to be made for the pay- Ment of benefits becomiag due before completion of allocation. and

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