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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Chapter

Document type:: Monograph

Structure type:: Chapter

Title:: Chapter XIII. Miscellaneous questions

Collection:: Economics Books

208 MAJORITY REPORT. accrued benefit ‘* which under normal circumstances goes to people who have never done anything for the sick person and who, by some means or other, get the nomination and get £30, £40, £50, or £60 >’ (Q. 8604-8605). The United Women’s Insurance Society suggest that the benefit payable on death to any person other than a near relative should be limited either to one year’s cash benefit or should be in the nature of a refund of funeral expenses, and the like (Q. 10,194, 10,222-10,231). The National Amalgamated Approved Society suggest that only 25 per cent. of the benefit accrued at death should be paid to the next-of-kin who defrayed the cost of burial, and that the balance should go to the Institution (Q. 10,587-10,593). That Society hold at the moment £42,000 of accrued benefit of this type. 490. The Grand United Order of Oddfellows suggest a rever- sion to the position as it existed prior to 1918, under which the accumulated benefit remained in the funds of the Societies. This Society also submits a table giving particulars of 15 cases in which benefits varying in amount from £51 to £177 had accrued due to members of the Society on the 31st December, 1924 (App. XCV, 14-20; Q. 22,458-22,477). Sir Walter Kinnear expressed the view that ‘ there is much force in the contention of the witnesses as to the payment of large accumulated sums in respect of insured persons who have been in institutions. No in- ducement should be given to a Society to avoid applying the amount of benefit in the ways provided by the Section of the Act, that is, payment to the insured person’s dependants, for payment of expenses for which he is liable otherwise than to the institution, or in some circumstances, payment to the institu- tion; and we are inclined to think that if after reasonable pay- ments have been made in these ways there remains a balance exceeding, say, £50 to be paid on the death of the member or on his discharge from the institution, the amount in excess of that £50 should be withheld and paid by the Society to the Central Fund. Tt should not be left in the funds of the Society.” (Q. 23,749.) 491. We feel that there is a strong argument on general grounds against paying large sums to the insured person on exit from such institutions under these conditions, or to the legal representatives on death. Tt should be remembered that in the circumstances postulated the insured person will have been fully maintained in the institution and that, therefore, compared with the person who has been drawing benefit at his own home, he will be in an equally favourable position on leaving the ingtitu- tion quite apart from these accumulations. On the other hand, we think there is some argument for payment of such sum a8 will meet the funeral expenses and clear up the affairs of 2 deceased insured person who has no dependants : or in the casé of a person who leaves the institution, will be sufficient 10

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