Financing Of Hong Kongs Healthcare
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Financing of Hong Financing of Hong Kong’s Future Kong’s Future Healthcare Service Healthcare Service
Presented by:Presented by:Chan Tjin Jien, Cherrio (09410198)Chan Tjin Jien, Cherrio (09410198)
Fung Shuk Woon, Althea (09410228)Fung Shuk Woon, Althea (09410228)Lee Sum Yu, Angel (09428518)Lee Sum Yu, Angel (09428518)
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Country Comparison – Country Comparison – Life Expectancy of BirthLife Expectancy of Birth
Rank country (years) Date of
Information1 Macau 84.36 2009 est. 2 Andorra 82.51 2009 est. 3 Japan 82.12 2009 est. 4 Singapore 81.98 2009 est. 5 San Marino 81.97 2009 est. 6 Hong Kong 81.86 2009 est. 7 Australia 81.63 2009 est. 8 Canada 81.23 2009 est. 9 France 80.98 2009 est.
10 Sweden 80.86 2009 est.
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Country Comparison – Country Comparison – Infant mortality rateInfant mortality rate
Rank country(deaths/1,000 live births)
Date of Information
215 Anguilla 3.52 2009 est. 216 Finland 3.47 2009 est. 217 France 3.33 2009 est. 218 Iceland 3.23 2009 est. 219 Macau 3.22 2009 est. 220 Hong Kong 2.92 2009 est. 221 Japan 2.79 2009 est. 222 Sweden 2.75 2009 est. 223 Bermuda 2.46 2009 est. 224 Singapore 2.31 2009 est.
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Our current medical Our current medical systemsystem
Good health of HongKongers
Our existing health care model has a lot of difficulties to encounter over utilization of the public healthcare services unbalance between the public & private sectors
Very critical issue among those issues is the funding problem of the healthcare services
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Aging Population
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Aging Population
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Advanced TechnologyAdvanced Technology
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Why healthcare expenditure keep increasing in the coming
future?
Aging problem It is predicted that in the year 2036 more than 25% of our population is the
people whose age over 65 Medical Inflation
advanced new medical treatments are invented
new drugs having better & effective treatment
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Our problems
Healthcare expenditure keeping increase If the government lacks of other
supplementary healthcare financing sourcing to support the changing healthcare services demand of the whole community
We can see that the quality of our medical services would be deteriorated
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Goals
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Goals
To promote individual responsibility Everyone should share part of their
medical expenses
To provide more choices Enjoy more choices on services provider
and different level of treatment
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Goals
To provide better healthcare services
- Relief the finance pressure on public healthcare system
To re-deploy the spending of healthcare services To focus on the elderly, needy group and
advance in medical technology
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Proposed new healthcare model
Supplementary Financing Medical Savings Account Healthcare Insurance
Main Financing Tax-funded finance sourcing
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Medical Savings Account (MSA)
Definition Strengths of MSA Weaknesses of MSA Suggestions
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What is MSA?
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Medical Savings Account (MSA)
People save a proportion of their income into their personalized accounts so that they will have a certain amount of savings for their future medical expenses
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The Strengths of MSA
Fair & easily acceptance
Reduce burden
Change attitude
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The weaknesses of MSA
Insufficiency for serious and chronic disease
Cause administration cost
Other problems
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Suggestions
Healthcare Insurance MPFSA Mandatory savings
account Spend individuals’
saving first Decrease price range
between private and public
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Healthcare Insurance (HCI)
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Healthcare Insurance (HCI)
Definition Strengths of HCI Weaknesses of HCI Suggestions
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What is HCI?
Government regulated healthcare insurance
A basic insured plan for the working population (aged from 18-64) to cover the charges for private hospital services and the expenses on the treatment of the serious illness
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The strengths of HCI
Fairness and equity To provide more choices Stable financing source Relief the financial burden on
Government and future generation
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The weaknesses of HCI
Administration cost incurCoverage on working
population only
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Suggestions
Ways to reduce administration cost
Ways to solve the coverage problem for non-working group
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Government Funding Funding
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Comparison on health expenditure between Hong Kong and selected
economies
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Government Funding Funding
Government spent around 2.6% of GDP on health expenditure in the year of 2006
United Kingdom - 7.3% of GDP on health care Canada - 7% of GDP on health care
Main healthcare service financing in HK Government income is mainly collected
by the profit tax and salaries tax We stressed that HKSAR
government should not reduce her financing share in health care system!
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Safety NetSafety Net
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Strengths of tax-funded system
Safety net “No one should be denied adequate
medical care through lack of means” The under-privileged with lower income
would be provided by the basic healthcare service
Fair and equal Disregard his or her wealth, everyone
is paying the same amount of medical fee for the service with the same quality
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Wealth DistributionWealth Distribution
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Strengths of tax-funded system
Wealth distribution Tax-funded healthcare system have shifted
the income from high-income class to the low-income class
Low administration cost The resources are more well allocated by the
government to the medical services rather than to the hands of the private insurance companies
Risk sharing Healthy people pay taxes to subsidize those
unhealthy people to use the public health care service
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InefficiencyInefficiency
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Weakness of tax-funded of tax-funded systemsystem
Inefficiency and mistreatment Little market competition between
different healthcare providers within the private and public sectors
Great demand for the public healthcare service
→Inefficient public medical services mistreatment of the doctors in the
different hospitals lower quality of services
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Shortcomings of tax-funded of tax-funded systemsystem
Over utilization of public services Cost for the services is much lower
than the private sector→all the people, no matter they are
affordable→ rely on the public service and
results in further deterioration of the service
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Some other suggestions
Tax reform Broadening our tax-base => greater risk-
pooling function Increase tax rate of certain taxes (e.g. tobacco
tax)
Health care services reform (Cost-effective) Reform HA’s structure & operation
develop healthcare delivery system Promote collaboration of public & private
sectors Strengthen the primary care services
(outpatient services & other preventive healthcare services )
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Conclusions
A very big question to discuss the long-term solution of our existing healthcare system problem
If the above reform will be taken: reducing the pressure of present public services some affordable patients would tend to shift
from using the public healthcare services to the private healthcare services
the patients would have more choices of different treatments
quality of the public healthcare services
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