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 II. The scheme of national health insurance

Collection:: Economics Books

MAJORITY REPORT. a contract of service in manual labour, or in non-manual employment at a rate of remuneration not exceeding £250 a year. The total number of persons insured exceeds 15,000,000. Certain employments, although falling within the general definition given above, are excepted from compulsory insurance, the chief of these being employment under the Crown or a Local Authority where the conditions of employment include provision against sickness not less favourable than that secured under the Act. Provision is also made under which employed persons who are in receipt of a pension or private income of £96 a year or upwards, or who are ordinarily and mainly dependent on some other person, or some non-insurable occupation, may secure exemption, in which case they themselves, but not their employers, are exempted from the liability to pay contributions. The total number of exempt persons has never been considerable, and is at the present time only about 36,000. In addition to the persons (known as employed contributors) who are required to be insured, the Scheme provides for the inclusion as voluntary contributors of persons who, after having been employed and insured for at least two years, elect, on ceasing to be insurably employed, fo continue in insurance, paying the whole weekly contribution themselves. The number of voluntary contributors is at present only about 32,000. Tt may be observed that the present provisions relating to voluntary contributors represent a great restriction on the arrangements contemplated in the original Act. At the outset the Scheme provided for the inclusion as voluntary contributors of those persons who, by reason of the fact that they worked on their own account, did not come under the compulsory provisions of the Act. The response made, however, showed that there was practically no demand for insurance on a voluntary basis; and accordingly in 1918 future admission to the class of voluntary contributors was restricted to those who had for a definite period been insured as employed contributors. 14. The cost of the Scheme is shared between the insured persons, their employers and the National Exchequer. The revenue is derived, in the first instance; from weekly contribu- tions paid partly by the workers and partly by their employers by means of health insurance stamps affixed to contribution cards, the rates of contribution in 1925 being 10d. a week in the case of men, of which 5d. was payable by the employer and 5d. by the worker ; and 9d. in the case of women, of which 5d. was payable by the employer and 4d. by the worker. As from the 4th January, 1926, these rates have been reduced to 9d. a week in the case of men (employer 44d. worker 41d.) and 81d. a week in the case of women (employer 4}d., worker 4d.) consequent upon the modifications in the benefits of the Scheme which follow from the provision of pensions at 65 under the recent Widows’, Orphans’, and Old Age Contributory Pensions Act. The contri.

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