Report of the Royal Commission on National Health Insurance

Bibliographic data

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 XIII. Miscellaneous questions

Collection:: Economics Books

20.2 3 as, MAJORITY REPORT. and 6603-6609) suggested, that the title to medical benefit should be made general, the Joint Committee of Approved Societies, which speaks in the name of a considerable number of Societies, expressed their approval of the present provision in this respect (App. X1V, 2). 474. On the whole, we think that it is desirable to retain the class of voluntary contributor so as to provide effectively for those employed contributors who, on ceasing to be insurable, desire to continue their State Insurance. Not infrequently those who pass out of insurance, particularly if they do so in the earlier years of life, consider that they ought to be entitled to something in the nature of a surrender value on the ground that they have been compulsorily insured during a period when they might normally be expected to enjoy good health, and when, as may have happened, they have made little or no claim on the funds. The grant of a surrender value is not, however, entirely appro- priate to a system of insurance against contingencies, us distinct from life assurance, where the event assured against is certain; and such a concession would, we consider, be very undesirable in a scheme of Health Insurance. But within the Scheme as it stands, it is possible to meet such hardship as would otherwise be entailed in passing out of insurance if provision is made whereby those affected who so desire, may continue as voluntary contributors. On the other hand, we do not think that there is any ground for recommending an extension of the class 475. Having regard to the attitude of the medical profession to extension of contract practice, we think that on the whole it would be well to retain the existing arrangements relating to the £950 limit for medical benefit in the case of voluntary contributors. SECTION B.— PAYMENT OF CONTRIBUTIONS 476. We were informed that the arrangements for securing the due payment of contributions under the Act are ,on the whole quite satisfactory. We may quote the following ques- tion which was addressed to Sit Walter Kinnear, and his reply :— ““ Do you think that there is any considerable non-compliance with the statutory requirements as to the payment of contribu- tions? "'—** Our calculations lead us to think that on the whole we collect about 99 per cent. of the contributions which are due. We recognise that there is a certain degree of non-compliance amongst casually employed persons, and to a more limited extent amongst domestic servants.” (Q. 213.) 477. On the other hand, we were informed that the Ministry considered that their powers for enforcing the payment of con- tributions could. with advantage, be strengthened. To indicate

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