20.2 
3 
as, 
MAJORITY REPORT. 
and 6603-6609) suggested, that the title to medical benefit should 
be made general, the Joint Committee of Approved Societies, 
which speaks in the name of a considerable number of Societies, 
expressed their approval of the present provision in this respect 
(App. X1V, 2). 
474. On the whole, we think that it is desirable to retain the 
class of voluntary contributor so as to provide effectively for 
those employed contributors who, on ceasing to be insurable, 
desire to continue their State Insurance. Not infrequently those 
who pass out of insurance, particularly if they do so in the earlier 
years of life, consider that they ought to be entitled to something 
in the nature of a surrender value on the ground that they have 
been compulsorily insured during a period when they might 
normally be expected to enjoy good health, and when, as may 
have happened, they have made little or no claim on the funds. 
The grant of a surrender value is not, however, entirely appro- 
priate to a system of insurance against contingencies, us 
distinct from life assurance, where the event assured 
against is certain; and such a concession would, we 
consider, be very undesirable in a scheme of Health 
Insurance. But within the Scheme as it stands, it is 
possible to meet such hardship as would otherwise be entailed 
in passing out of insurance if provision is made whereby those 
affected who so desire, may continue as voluntary contributors. 
On the other hand, we do not think that there is any ground for 
recommending an extension of the class 
475. Having regard to the attitude of the medical profession 
to extension of contract practice, we think that on the whole it 
would be well to retain the existing arrangements relating to the 
£950 limit for medical benefit in the case of voluntary 
contributors. 
SECTION B.— PAYMENT OF CONTRIBUTIONS 
476. We were informed that the arrangements for securing the 
due payment of contributions under the Act are ,on the 
whole quite satisfactory. We may quote the following ques- 
tion which was addressed to Sit Walter Kinnear, and his reply :— 
““ Do you think that there is any considerable non-compliance 
with the statutory requirements as to the payment of contribu- 
tions? "'—** Our calculations lead us to think that on the whole 
we collect about 99 per cent. of the contributions which are due. 
We recognise that there is a certain degree of non-compliance 
amongst casually employed persons, and to a more limited extent 
amongst domestic servants.” (Q. 213.) 
477. On the other hand, we were informed that the Ministry 
considered that their powers for enforcing the payment of con- 
tributions could. with advantage, be strengthened. To indicate