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 XIII. Miscellaneous questions

Collection:: Economics Books

214 MAJORITY REPORT. As to (1) the Committee thought that there was no serious risk of a Society having excessive claims for several years in succession ; and as to (2), the problem did not appear to them, after examination of the statistical data, to be of such magnitude as to call for special treatment. 508. In accordance, however, with their instructions they prepared a scheme for re-insurance. This scheme brought out the complications inherent in the proposition and demonstrated the heavy labour which would be involved in applying any sound arrangement of the kind. 509. On the first (1918) valuation the Government Actuary reported a saving in maternity benefit payments on men’s insurance of 20 per cent. of the expected payments, and on women’s insurance of 36 per cent. One factor was the reduced birth rate during the war; but an examination of the experience since 1918 suggests that the maternity payments will, in general, continue to be within the financial provision for the benefit, and that any excess in particular Societies is not of sufficient im- portance to justify the introduction of a complicated system of re-insurance. 510. We are of the opinion that reinsurance in the strict sense, i.e., by distributing the charge with reference to the actuarial value of the risk undertaken by each individual Society in respect of the benefit is not practicable. We are advised, moreover, that in the calculation of the contribution and reserve values as well as in the valuations, account is taken of the varied incidence of the cost of maternity benefit with regard to age, sex, and in the case of women, marital condition, and that a mere pooling of the cost at a uniform rate per head of the membership would be inconsistent with these conditions. while it would certainly be inequitable. 511. We, therefore, recommend that no steps should be taken to put into operation the provisions of Section 25 of the Act, and that the section should be repealed. SECTION D.—SPECIAL CLASSES OF INSURED PERSONS. MARRIED WOMEN. 512. The question of the provision to be made with regard to the insurance of women who give up insurable employment at or about the time of their marriage has from the first been a matter of great difficulty. Under Section 44 of the Act of 1911 insured women who married had, in the first place, to satisfy their Approved Societies as to whether they had definitely given up employment or not. No precise test of cessation of employment was laid down in the Act and in practice it followed that Societies were to a larce extent compelled to depend upon the woman's

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