Possibilities of Development of Private Health Insurance in Bosnia and Herzegovina

Safet Kozarević, Senija Nuhanović, Irnela Hrnjić
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Abstract

Abstract: Increased rise in costs of healthcare in the last five decades has rapidly increased interest in the functioning of healthcare systems within every country. The reasons for growth in healthcare costs are related to demographic changes, technology advancement, increased number of educated persons, emergence of new diseases, etc. Financing the risk of poor health is mainly organized through programs of social and private health insurance. Regarding the management of the risks of poor health in Bosnia and Herzegovina (BiH), the social health insurance system is the basic solution for the population. However, in BiH, as in other countries in the world, the system of social insurance has become unfeasible and it is necessary to search for new solutions, that is, to reform the system. The research subject in this paper is private/voluntary health insurance offered by insurance companies, which can be an efficient addition to social insurance in BiH. It has become present on the market of private insurance in BiH only recently, so its share in the total premium of private insurance is still minor. Therefore, a primary research was conducted on the possibilities for its development as well as on the need and acceptance by the users of healthcare services. Besides, there was a need for examining the performance of the existing system of social health insurance, based on the principles of Bismarck’s model of financing, and recognizing its disadvantages. By identifying and eliminating obstacles for development of voluntary health insurance, it is possible to improve performance of the existing system of health insurance in BiH.
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在波斯尼亚和黑塞哥维那发展私人健康保险的可能性
摘要:在过去的五十年中,医疗保健费用的增加迅速增加了每个国家医疗保健系统运作的兴趣。保健费用增长的原因与人口变化、技术进步、受教育人数增加、新疾病的出现等有关。对健康状况不佳风险的资助主要是通过社会和私人健康保险方案来组织的。关于波斯尼亚和黑塞哥维那(波黑)健康状况不佳风险的管理,社会健康保险制度是人口的基本解决办法。然而,波黑同世界上其他国家一样,社会保险制度已变得不可行,必须寻求新的解决办法,即改革这一制度。本文的研究主题是保险公司提供的私人/自愿健康保险,这可以是波黑社会保险的有效补充。它最近才出现在波黑的私人保险市场上,因此它在私人保险总保费中的份额仍然很小。因此,对其发展的可能性以及用户对医疗保健服务的需求和接受程度进行了初步研究。此外,有必要根据俾斯麦筹资模式的原则,审查现有社会健康保险制度的执行情况,并认识到其缺点。通过确定和消除发展自愿健康保险的障碍,有可能改善波黑现有健康保险制度的绩效。
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来源期刊
Nigerian Journal of Economic and Social Studies
Nigerian Journal of Economic and Social Studies Social Sciences-Social Sciences (miscellaneous)
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0.50
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