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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)
