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

J MAJORITY REPORT. ele more particularly entertained by the smaller Societies. In the larger Societies the necessity for applying those provisions arises almost daily in the ordinary routine of business, and the officials of those Societies who deal with such cases have become so familiar with the work that it does not generally present any serious difficulties to them and, as a result, mistakes are com- paratively rare. In the smaller Societies, however, where the transfer to Class K is not a matter of every-day occurrence, it is probable that the administration of the present provisions does give rise to difficulty and that mistakes may from time to time occur. 520. We now proceed to examine the two main proposals which have been placed before us for varying the present pro- visions of the Act with regard to the insured woman who marries. These are a marriage bonus and a free year’s insurance. © 591. The chief arguments advanced in support of the proposal to provide a bonus to all insured women who marry are, first, that it would be a popular benefit in a large proportion of cases and might be expected to lead to prompt notification of marriage, a consequence eminently desirable in the interests of proper administration ; and, secondly, that it would be very convenient from the point of view of simplicity of administration if the woman's previous insurance could be completely brought to an end by such a lump sum payment. We do not consider that the arguments in support of this proposal are sufficiently strong to justify a reversal of the decision of Parliament on the subject to which we have referred above, and we are of opinion that such an application of Health Insurance funds would be contrary to the general intention of the Act and would be out of place in a national scheme of Health Insurance. The proposal would, moreover, involve fresh waiting periods for benefits in the case of women who remain continuously in employment after marriage. We do not, therefore, recommend the adoption of this proposal. 522. The proposal that insured women who cease work at cr about the time of marriage should be treated in exactly the same way as other insured persons who cease insurable employment is attractive from the point of view of simplicity of administra- tion. Tt would free Societies from the risk of making incorrect payments through the member's failure to notify her marriage ; and the ordinary procedure, with which all Societies are familiar and which can be followed automatically on the basis of the surrender or non-surrender of stamped cards, would be followed. Tor the reasons which we set out below, however, we do not consider that this plan is feasible and we are unable to recom- mend its adoption.. Marriage marks not only a change in the economic status of the woman who marries, but also a change in her liability to the risks against which she is insured; and for

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