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

MAJORITY REPORT. ) QAR of any scheme so submitted, and the present limitation of the period to five years rests solely on provision made in the scheme itself, as submitted to the Minister by the Society or Branch, 570. It has been suggested to us that it is desirable to place a definite statutory limit on the period for which a scheme of additional benefits should continue to operate. Under the existing provisions of the Act there is nothing to prevent a scheme operating indefinitely, subject to a provision suspending its opera- tion if a deficiency is disclosed on a subsequent valuation. But the period over which the benefits of a scheme will extend con- stitutes an essential element in fixing the rates of those benefits, and consequently no scheme can be framed until its duration has been first determined, and the necessary data for the actuarial calculations thus completed. In these circumstances, it has been found necessary to require Societies to include the period for which the scheme is to run as an essential condition of any scheme submitted for the approval of the Minister. It has been suggested that a matter of such importance ought not to be left for regulation in this indirect manner, and that the Minister should be explicitly vested by the Act with the necessary powers. 571. We agree that the incorporation of this condition in the Statute is desirable, and we recommend accordingly that provision should be included in Section 75 of the Act which will limit the period of currency of schemes for the distribution of additional benefits to such period as may be fixed by the Minister. PROPORTION OF SURPLUS CERTIFIED AS DISPOSABLE. 572. Tt was brought to our notice (Kinnear, Q. 23,651) that difficulty had arisen with regard to the large amounts of surplus which in many cases had been certified as disposable on the second valuation of Societies. The recent experience of the great majority of the Societies and the profit margins in sight in regard to their future working were such as to lead the Valuers to the conclusion that in these cases the whole of the surpluses shown were disposable. On the other hand, it had been decided, for sound administrative reasons, that the additional benefit schemes to be made after the valuation should be limited to a period of five vears, and it was clear that if the disposable surpluses resulting from a period of great and, as it well might prove, exceptional Prosperity were allowed to be spent in a single quinquennium there might be a grave risk of the additional benefits being gener- ally raised to a level at which they could not be permanently maintained. Such an eventuality might occasion considerable disappointment in future to the insured classes, and might further entail a serious measure of disorganisation in so far as arrange- ments might have been entered into for the provision of treat- ment benefits. In these circumstances an arrangement was made between the Ministry of Health and the Scottish Board

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