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. 2,3C Ancient Order of Foresters (Q. 4389-4390) recommend the reten- tion of the waiting period on the ground that ** it is a healthy condition of things that a member, entering a Society, should serve a certain period, approximating to the quinquennium, before he becomes entitled to such additional benefits as the Society he joins is paying. It is true that a person entering insurance for the first time and a person transferring from another Society are not on the same footing in that respect. But I think that is covered by the fact that nobody is really compelled to transfer, although it may be to their advantage and convenience.” The National Conference of Industrial Assurance Approved Societies (Q. 5236-5238) are of the same opinion, and think that there is no evidence of hardship resulting from loss of additional benefits on transfer. The Independent Order of Oddfellows, Manchester Unity (Q. 5738-5741, 5982- 5983, 6088-6097), also say that they have no complaints, and think that any loading of the transfer value would lead to great complications. The United Women’s Insurance Society favour the abolition of the waiting period and consider that there is no objection to a loaded transfer value for the cash benefits, and state that the ordinary transfer value would be accepted by them for the non-cash benefits. (App. XXIV, 13; Q. 10,186- 10,188, 10,197-10,199, 10,239.) The Stock Exchange Clerks’ Health Insurance Society (App. XV, 5; Q. 8446-8447, 8481- 8486, 8553-8565) are also in favour of immediate title in the new Society to additional benefits on the scale of the old Society. The Independent Order of Rechabites (App. VIII, 36) are willing to have a modification in the case of transfers between Branches of the same Societies. The Public Dental Service Association (Q. 9794) point out that the five years’ waiting period is a serious handicap to good dentition. The National Association of Trade Union Approved Societies state (Q. 22,073) that ** there is no freedom of choice of Society while the insured person forfeits his right to additional benefits. As most Societies are giving additional benefits, transfers are almost impossible.’ The Standing Joint Committee of Scottish Insured Women suggest (App. XLVI, 27; Q. 14,550-14,551) that the waiting period should be reduced to two years. 584. The evidence from the Ministry of Health was to the effect that, on the whole, the difficulties of the loaded transfer value and the administration of different scales of cash benefit are so great that, in spite of the hardship, the present Scheme should be retained, so far as the cash benefits are concerned ; but they suggest that the title to treatment benefits, in the case of those entering into insurance for the first time or transferring from one Society to another, should mature at the beginning of the third year, thus giving a 2% years’ waiting period, on the average. A Society has a limited fund for treatment benefits,

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