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Health Insurance Worldwide:Experience and ImplicationsMark BassettMark BassettGroup Director of Public Policy

Beijing, 9 November 2010

Dimensions of health insurance• Public

• Not for profit

• For profitCarrier type

For profit• Collection

• Allocation

• Pooling

• Purchasing

Scope of financing functions

• Mandatory

• Voluntary

Level of compulsion

Role or function functions• None

• Re-insurance

• Provider payments

• Deductibles and co-payments

Risk sharing

P d t b fitR l ti

• Primary

• Additional

Role or function of insurance

• Personal health services

• Public healthScope of insurance • Product benefits

• Price

• Solvency

Regulation

• None

• Premium subsidyExternal

• Social careinsurance

• Personal

• Household

• Group

Subscription type

• Premium subsidy

• Tax relief

• Donor support

External subsidies

• None

• Risk equalisation FundExternal

• Annual

• Long term

Insurance term

• Risk ratedPayment• Corporation Taxliabilities

• Risk rated

• Age rated

• Flat rated

Payment basis

Source: Mark Bassett, Presentation at 13th International Development Sou ce a assett, ese tat o at 3 te at o a e e op e tConference, Kennedy School of Government, Harvard University 2006.

Life expectancy at birth against per capita total health expenditure

Selected risks in health insurance

Debt by country, 2008

Bupa’s international footprint Insurance businesses

Provision businesses

Integrated health servicesFranceUnited KingdomBupa Health & WellbeingBupa Health Assurance

Bupa Health DialogChina

Integrated health services

UK Care ServicesBupa Home Healthcare

Cromwell Hospital

FranceHealth Dialog CNAMTS

United Kingdom

ChinaRepresentative Office Beijing

Hong Kong

USHealth Dialog

SpainSanitas

S it H it l

Hong KongBupa Hong Kong

ThailandBupa ThailandSanitas Hospitals

Sanitas Residencial

Bupa Thailand

AustraliaBupa Australia /

MBFMBFBupa Care

Services AustraliaLatin America

Bupa Latin America(Offices in Miami, USA; Mexico;

Ecuador; Bolivia; Dominican Republic)

New ZealandBupa Care Services

NZInternational

IndiaMax Bupa

p )Denmark

Bupa Scandinavia

6Saudi ArabiaBupa Arabia

InternationalBupa International

(Offices in Brighton, England; Copenhagen, Denmark; Dubai, UAE; Cairo, Egypt; and Hong Kong, China)

Contact

Mark BassettGroup Director of Public PolicyBupa

b tt @bbassettm@bupa.com+44 20 7656 2491