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

D4.) LEY, MAJORITY REPORT. and this would provide for the small number of transferring members until it was exhausted. (Kinnear, Q. 652-655. 672-693, 23,729-23.748.) 585. We have given this matter our most careful consideration. We are satisfied that the present arrangements impose too severe a penalty on transfer from one Society to another, and should, therefore, be modified. At the same time, we are impressed by the arguments put before us by the Ministry as to the dangers of widespread canvassing for transfers which would be likely to result from the granting of immediate title to additional benefits on transfer. We also recognise that the granting of this right would necessitate the loading of the transfer value, and we are advised that actuarially this would involve very serious difficulties, regard being had to the variations in the scales and range of additional benefits and to the fact that the dates of transfer would bear no relation to the periods for which the schemes of additional benefits of the various Societies were current. We have con- sidered whether the suggestions put forward by the Ministry and referred to in the preceding paragraph would provide a reason- able solution of the problem, but we have come to the conclusion that they do not go far enough. We see no sufficient reason for any change in the present position as regards title of additional benefits for new entrants into insurance, but in the case of persons transferring from one Approved Society to another we think that the title fo participate in all additional benefits—whether cash or treatment benefits—provided by the new Society should mature at the end of two years after the date of transfer, and we accordingly recommend that this change should be made. 586. We are of opinion that the waiting period of two years will provide sufficient protection against the evil of undue can- vassing for transfer. 587. We recognise, however, that even with this limitation the financial position of a Society might be seriously prejudiced if the number of persons admitted to membership by way of transfer were allowed to reach a substantial proportion of the total membership of the Society, unless the transfer values had been increased to cover the extra liability imposed by the grant of additional benefits. We are anxious to avoid such adjustment of the transfer values, partly for the reasons given above and partly because we cannot contemplate that the Society which a person leaves should be charged with the value of additional benefits on the scale given by the Society to which he goes. To provide a safeguard against this risk, we recommend that the Minister should be given power to suspend the right of any Society to accept members by way of transfer if the membership of the Society has been increased in this way since the date of the last valuation by more than a prescribed proportion fixed in accordance with actuarial advice.

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