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

DAE MAJORITY REPORT. of Health, and the Government Actuary, in pursuance of which the valuers, in addition to certifying the disposable surpluses, informed the Societies of the amounts to which it would be prudent to limit expenditure under schemes with a currency of five years. The assent of the Minister, or the Board, as the case may be, has accordingly been given to schemes framed on these lower amounts, leaving the balances of the disposable surpluses to be carried forward to assist in the maintenance of additional benefits in the future. 573. Tt is evident that if the currency of schemes of additional benefits is to be definitely limited to a fixed period, a Society, in preparing its scheme, will primarily require to be informed of the amount of surplus which it can safely spend in that period, and it has been suggested that in arriving at this amount regard should always be had to the considerations advanced in the last para- graph. From this point of view the disposable surplus would be the amount which in the opinion of the valuer could properly be expended during the currency of the scheme. To enable the valuer to give a certificate carrying this meaning it would be necessary for the Act to indicate the conditions to which he was to have regard in giving his certificate. In this respect the Act is at present silent, and the valuer must certify the full amount of the surplus which he considers disposable, even though it would be the height of imprudence for the Society to frame a scheme under which the whole of the surplus would be distributed in the years immediately following the valuation. 574. We are satisfied that it is desirable to make provision in the manner suggested, and we recommend that Section 75 of the Act should be amplified so as to provide that the Treasury valuer, in certifying what part of a realised surplus is disposable, shall have regard to the probability of the continued maintenance of any additional benefits to be provided in the scheme next to be made. REVISION OF SCHEMES OF ADDITIONAL BENEFITS 575. There is no provision in the Act itself which enables the Minister, once he has given approval to a scheme of additional benefits, to 1equire a Society to review that scheme even though such a review may become highly desirable in the light of experience gained during the period of the five years for which the scheme operates. We are informed that in so far as schemes arising under the second valuation are concerned a clause to the following effect has been inserted in every scheme :— “ Tf at any time during the currency of this scheme the Minister declares that he is satisfied in the light of experience of the administration of additional benefits by Approved Societies generally that it would be to the advantage of inanred persons participating in those benefits that further

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