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:: Minority report

Collection:: Economics Books

MINORITY REPORT. 31 2 (8) General practitioner clinics. (4) Laboratory services. ‘%' Nursing for insured persons. ‘€) Health lectures. (App. CIII.) 65. In our view the extension proposed will still leave out of medical benefit services which the evidence has shown would tend both to prevent sickness and to effect a speedier and more complete cure of the insured person. 66. As both these results are not only desirable in themselves, but would be accompanied by economy of expenditure on cash benefits, we submit that the provision of a complete medical and treatment service should not depend for its financing entirely upon current contributions. We agree with our col- leagues that ‘‘ considering the beneficial results on the health of the insured community which ought to follow from the medical service provided by the Act . . . . it is not unreasonable to look for improved conditions so far as the claims are con- cerned.’’.. (para. 177.) 67. The experience of administering the insurance medical service gained since 1912, which has made practicable many desirable developments impossible at the inception of the Scheme, should enable an estimate to be made of the future effect of a considerable extension of that service upon expendi- ture on cash benefits. In other words, the loading for actuarial safety of the cost of cash benefits should be affected by the kind and extent of preventive and curative services available for the insured population. The following extract from the evidence affords an example in relation to dental benefit merely. “ . . . . I think the experience of those Societies that have provided dental treatment . . . . does give ground for hoping that systematic dental treatment would lead ulti- mately to a reduction of sickness benefit claims . . (Brock, Q. 23,914.) 68. The National Conference of Friendly Societies (App. XXVI), the National Association of Trade Union Approved Societies (App. XCII), the British Medical Association (App. XL/VII, 20) and other organisations are unanimous in advocating great extensions of medical benefit. 69. As to the desirability of including dental advice and treat- ment within the range of medical benefit, it was stated by a Departmental witness that ‘ something like three-quarters of the industrial population probably are suffering from dental defects of one sort of another.”’ (Brock, Q. 23.914.) 70. We therefore recommend that medical benefit, extended as recommended in the Majority Report, should be further B47 0 {+ i; * aE

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