Report of the Royal Commission on National Health Insurance

Bibliographic data

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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344 APPENDIX A. in the same society with a common Contingencies Fund, and having regard to the relative risks of excess in the sickness and disablement claims of the sexes we can see no justification for requiring, in the case of women, a smaller contribution for the purpose of these funds than that called for in the case of men. The effect of this recommendation will be to release from each weekly contribution for the new purposes ‘81d. for a man and 15d. for a woman. 98. Two consequential changes in the present system follow on this recommendation. The first of these relates to the Central Fund. The limit on the sum to be transferred to this fund under the existing statute is one-eighth of the contributions credited to the Contingencies Funds. It is important that the maximum charge upon the resources of the Approved Societies for the support of the Central Fund should not be sensibly reduced, and, since we advise a reduction of rather more than one-half in the sums to be transferred to the Contingencies Funds, we recommend that one-fourth instead of one-eighth of these sums be made available as the maximum draft for the Central Fund. An analogous adjustment is advised in respect of the pooling provisions of the Act with reference to the Contingencies Funds of the unassociated societies with under one thousand members. At present one-half of these funds is liable to be pooled for the purpose of making good the deficiencies of societies in this category, the other half being reserved for the use of the societies individually. Since our recommendation will so largely reduce the Contingencies Funds, we advise that the whole, instead of one-half in the case of the societies in question, be brought under the liability to be pooled. 99. The margin for other purposes (to use the words of our terms of reference) which, in our opinion, may be taken from the present contribu- tion—subject, in the case of women, to the qualifications expressed in para. 20 above—is obtained by bringing together the margins in the several parts of the contribution as stated in paras. 25, 26 and 27. The combined amounts are 1'55d. per week in the case of men and ‘82d. per week in the case of women. These amounts are made up as follows: — From the Benefit Fund contribution (para. 25) ... From the contribution retained for the service of Reserve Values (para. 26) ny a ah From the Contingencies Fund contribution (para. 27) ia ia ria sie vee Sue Total 1:54; ‘Women. d. ‘35 *39 13 “89 30. These figures constitute the answer to the question submitted to us, but, since the contribution of which in each case they form a part is pay- able only until the age of 656 and is intermitted in weeks of sickness and disablement and of unemployment, it remains to be considered for whav expenditure the margin will provide in the case of insured persons of each sex. This question admits of a variety of answers according to the nature of the purposes involving new expenditure which may be contemplated. 1t is nob within our province to anticipate the questions which may arise in this connection, but, having regard to the number of possibilities involving the provision of a capitation rate continuing during life which present themselves on examination of the evidence taken by the Royal Commission, we have deemed it advisable to examine the margin from this point of view. We find that with the State grant added it would provide an annual amount of 7s. for a man and 3s. 9d. for a woman, to continue during life or otherwise so long as medical benefit is provided. If the new expendi- ture took this form some addition to the reserve values would be necessary,

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