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. 179 “Sener however, strong objections to the establishment of a special State Society for those insured persons who do not choose to join one of the existing Approved Societies. Such a Society would be in competition with Approved Societies and would offer benefits which, even if restricted, would almost inevitably have to be guaranteed by the Government. It would be a departure on a large scale from the principle of self-governing Societies self-contained financially, which is the essence of the National Health Insurance Scheme. GENERAT, CONSIDERATIONS. 408. The fact that the present scheme is working smoothly and meeting the real problem of insured persons on their way to Approved Societies or of those who only expect to be in Insurance for a short time, goes far, in our view, to dispose of the criticisms directed against its retention. This is specially 80 since the additional benefit schemes of Approved Societies have come into operation, for they have offered a marked and in- Cregsed inducement to transfer from the Fund to Societies. So far, indeed, as the types of person referred to in (1), (2), (3) and (4) of paragraph 399 above are concerned, we see no reason Whatever to alter the system. Insured persons of these types Will always be with us. The Deposit Contributors Fund provides for them as convenient an arrangement as can be made. They can have no grievance against the system since it is open to them at any time to apply for admission to one or other of the bumerous Approved Societies of all types. The persons in class (4) might, indeed, have difficulty in getting into a Society, but their number is so small and their position is so much due to their own default that we do not think they merit any special consideration. . 409. When, however, we come to class (5)—those persons ill health who are unable to obtain admission to a Society—- We feel that something more than the meagre cash benefits of the Deposit Contributors Fund should be provided. We feel that Mn a scheme of National Health Insurance under which com- Pulsory contributions are exacted, the continued existence of this class, under its present conditions, invites serious criticism. We direct attention to the evidence submitted by Sir Walter Kinnear on behalf of the Ministry of Health in Q. 23,616-23,646 ; and also to the suggestions, already referred to, made by the National Federation of Rural Approved Societies in paragraph 16 of Appendix XXIX. The recommendations which we make are generally on the same lines as are suggested in the evidence in Question. PROPOSED INSURANCE SECTION. 4 410. We propose that two sections of the Deposit Contributors Fond shomtd be formed-—ar *° Todividunl Aseaunt Seetion ™ on

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