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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a80 APPENDIX A. THIRD REPORT OF THE DEPARTMENTAL ACTUARIAL COMMITTEE. To the Right Honourable Lord LAWRENCE OF KINGSGATE, Chairman of the Royal Commission on National Health Insurance. My Logbp, 1. We have received from the Secretary to the Royal Commission a request to advise on the question of the cost which would be involved in replacing the present maternity benefit by a new service to include all necessary medical attendance during pregnancy, the services of a midwife and (where required) a doctor at confinement, ante-natal and post-natal examinations and a money payment. An estimate of the fees to be paid to doctors and midwives under various headings of the projected service has been prepared by the Ministry of Health, and we have taken these estimates, which we are, of course, not in a position to review, as the basis of our calculations. At the present stage we have deemed it sufficient to take the cash payment as £1. 9. The problem is complicated by considerations as to the liability to be provided for in those cases in which both husband and wife are insured. The new services will only have to be provided in respect of one insurance and the question arises whether in the case where both are insured the provision should be made under the insurance of the husband or under that of the wife. Having regard to the amounts of the available margin in the respective contributions of men and of women, we have assumed that the liability would be placed upon the hushand’s insurance. 3. A somewhat analogous question arises as to the cost of ordinary medical attendance during pregnancy. In this case a married woman who is herself insured is entitled to this service as part of medical benefit, and we assume it to be inexpedient that this arrangement should be disturbed. So far, therefore, as concerns this particular item in the services proposed to be given, we assume that a charge will only be imposed on the insurances of men to cover the cases in which the wives are not insured. 4. The several items of the service, with their estimated cost which have been supplied to us, are as follows: — 8. ds (1) Fee to midwife ... wre on Soe Po 2s «i 3000 (2) Fees for antenatal and post-natal examinations ov HO C0 (3) Fee for risk of doctor’s personal attendance on confinement ses va ave hs Pye ies wai 900 (4) Fee for medical attendance during pregnancy ... Jo 100 To these should be added : (5) Cash benefit, which is taken at oe wen 200 5. The various combinations of these items which arise and the distribution of their cost are as follows: — (A) Husband insured: wife uninsured. The charge of £3 15s. 6d., comprising items (1) to (5), arises and falls on the husband’s society in lieu of the present provision of £9-—an additional liability of £1 15s. 6d.

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