Betriebsorganisation und Betriebsabrechnung

Report of the Royal Commission on National Health Insurance

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Monograph

Identifikator:: 1777655390

URN:: urn:nbn:de:zbw-retromon-178507

Document type:: Monograph

Author:: Kobatsch, Rudolf http://d-nb.info/gnd/1013687159

Title:: Wirtschaftlichkeitslehre

Place of publication:: Wien

Publisher:: Österr. Staatsdr.

Year of publication:: 1928

Scope:: IV, 200 S.

Digitisation:: 2022

Collection:: Economics Books

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MAJORITY REPORT. 1 "30 Schemes for Unemployment and Health respectively. The former rates are 18s. a week for a man and 15s. for a woman with additions of 5s. for the wife of an insured man and 2s. for each dependent child—clearly a much more generous provision than the basic rates of the Health Scheme. Here, again, the comparison is made difficult by the irregular distribution over the insured population of the additional benefits. It must also be borne in mind in any comparison between the cash benefits of the Unemployment and Health Insurance Schemes that a sub- stantially lower rate of contribution prevails in the latter, and that, even so, that contribution provides medical as well as cash bene- fits. A comparison between the two Schemes must not disregard what the workers are paying for the comparable benefits. Nevertheless the fact remains that the basic rates of cash benefit under the Health Scheme which are all that a considerable pro- portion of the insured population are entitled to, are substantially below those for Unemployment Insurance, while the fundamental fact of cessation of wages is the same in both cases. Further the need for financial help must in general be greater in a period of ill-health than in a period of unemployment of the same duration. ~The existing position seems to wus difficult to defend. Differences of machinery, such as the Employ- ment Hxchange system in the one case and the Approved Society system in the other, a single fund in the one and segre- gated funds in the other, can be justified. But here we are con- cerned with the actual provision made in the homes of those who are in closely similar circumstances of distress. ALTERNATIVE FORMS OF INCREASED BENEFIT. 308. Impressed by these considerations we have turned with the greatest sympathy to examine the possibility of increasing the cash benefits in one form or other. In this problem We naturally had again to refer to the Actuarial Com- mittee for expert advice on the problems involved. We asked them to supply estimates for the three following proposals—(1) an increase of the rates of Sickness Benefit to those of the Un- employment Insurance Scheme with corresponding increases in Disablement Benefit; (2) an increase of Disablement Benefit only; (3) the provision of allowances for dependants on the lines of the Unemployment Insurance Scheme. The report of the Committee on these references is printed in Appendix A to this Report, 309. As we have already pointed out in Chapter VII, the Margin in the present contribution after allowance is made for the medical charges is much larger in the case of men than in that of women, being in the former case such as will produce with the State grant a sum of 4s. per head per year, and in the latter only 94. This disparity must influence very materially

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