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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S32 20 APPENDIX A. MEMORANDUM. AN ExaMINATION OF CERTAIN FEATURES OF THE SICKNESS AND DISABLEMENT CrArMs OF THE SELECTED SOCIETIES IN THE YEARS 1921-23. 1. The records of the sickness and disablement claims of the ¢ Selected Societies ” were sufficiently complete in detail to enable the investigation to include enquiries as to the proportion of members claiming benefit of each kind in each year at the various age groups, with the related average duration of claim. Statistics were also obtainable as to the working of the three days’ waiting period and as to the extent to which the claims for disablement benefit represented other than permanent incapacity. The information thus secured is believed to be both of interest and of importance to those engaged in the administration of sickness risks as well as to actuaries who are called upon to deal with the financial aspect of these risks, and it is accordingly presented in Tables I, IT and III appended to this memorandum. These tables relate, respectively, to the experience of men, unmarried women (spinsters and widows) and married WOL1e1 2. It was desired to compare the new experience with earlier (friendly society) experience in regard to some of the points covered by these tables, but this was only possible in the case of men, since women were not insured against sickness to any material extent before the institution of National Health Insurance and no women’s sickness experience of any authority has previously been obtained. The features examined in paras. 3 to 9 below relate exclusively therefore to the experience of men and no corresponding investigation can be made in the case of women. 3. On examining Table I it was found that the sickness claims of men were relatively fewer than in the Manchester Unity Experience, but that the average duration of sickness and disablement was longer than in that experience. This feature has been further investigated and use has been made of the analysed table of the Manchester Unity Sickness Rates contained in p. 593 of the Report for 1912-13 on the Administration of National Health Insurance (Cd. 6907) to obtain approximations to the proportion sick ’’ in the ‘first six months’ and “ after six months ’’ periods respectively and to the proportions entering on the ‘‘ after six months ’’ period which are necessary for a complete comparison of this standard experience with that of the Selected Societies. 4. The following table relates to sickness benefit (1st six months of sickness). The headings are self-explanatory. Taner 1. Proportion of Members Claiming Benefit in the Year (per thousand). Average Duration of Attack in the Year (stated in weeks). Central Age of Group. 13°... we 22% ... are 27%... eh 32} ... tae Jit... ove 4924... vor 47% ... ‘oe 52% ... vee H7% ... ure G25... rn M.U., 1893-97 (approximate). 1) 302 236 232 232 236 246 258 273 300 200 Selected Societies, 1921-23. (2) 158 151 147 152 155 160 171 195 221 92092 M.U., 1893-97 (approximate). (3) 3-0 3-3 3-4 37 4-0 4°; 4-8 54 61 oi Selected Societies (adjusted for 1st 3 days). (4) 4-0 4-4 46 4-7 48 50 5-3 57 fe 7.

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