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Differences between insurance and a no-charge healthcare system
Healthcare services in Saudi Arabia are provided free of charge to its citizens, which may result in a huge financial burden on the government budget. The government finances public healthcare services from the oil revenues without collecting contributions from the citizens. Health expenditure as a share of GDP for Saudi Arabia was 6.4% in 2020. (Alharbi, 2022). There is no denying that Saudi Arabia’s healthcare delivery system has to overhaul. However, it is critical to investigate the viability of implementing National Health Insurance in Saudi Arabia. (Puteh, n.d.)
There is intense competition among smaller competitors for market share in the Saudi insurance industry. Health and auto insurance are two of the main products offered by Saudi Arabia’s insurance industry. 32% of the country’s total insurance market is made up of the health insurance industry. In addition, according to the Council of Cooperative Health Insurance, the Saudi Arabian insurance industry’s total gross written premium (GWP) in 2012 was 55% derived from the health insurance market. (Rules and Regulations, n.d.). The government is focusing on private sector investment with the assumption that the move will help bring in progressive outcomes in access to healthcare, while also improving its effectiveness, efficiency, cost, quality, ability to adapt new technology as well as utilization of healthcare services. The goal of Vision 2030 is to implement extensive economic reforms and privatization in many economic and service sectors that will eventually wean the economy off of its reliance on government expenditure and oil export income. The government works to maintain safety and quality standards while also attempting to improve the management and infrastructure of healthcare facilities. (Rahman & Al-Borie, 2021).
What happens to the healthcare organization giving out too much free care?
Healthcare costs are increasing globally, and Saudi Arabia is facing these same escalations. At present, the Saudi citizen population is estimated at 21 million, 6% of whom are aged 65 and above. It is predicted that the older population will increase and make up 18.4% of the total population by 2050. While the rate of communicable diseases has decreased, that of non-communicable diseases, especially cardiovascular ones and diabetes, has increased. Aging, change in disease patterns, and a rapid increase in population makes financing healthcare an important and urgent issue. Moreover, the availability and quality of public healthcare services have been a persistent issue in the Saudi health system. Further, the free healthcare model has led to overutilization and longer waiting time for hospitals and specialists. (Alharbi, 2022).
How do you convince the community that private healthcare insurance is necessary?
According to (Alharbi, 2022) In Saudi Arabia, people who usually used public health facilities were more willing to pay for an NHI. because they wanted to expand their choices and access private providers. They were also, decreasing waiting time results in the level of patient satisfaction with current health services to improve the quality of care.
References:
Alharbi, A. (2022, May 12). Willingness to pay for a National Health Insurance (NHI) in Saudi Arabia: a cross-sectional study – BMC Public Health. SpringerLink. https://link.springer.com/article/10.1186/s12889-022-13353-z?error=cookies_not_supported&code=d0f32c6f-4fa7-4f72-995b-8920b7d7691d
Rahman, R., & Al-Borie, H. M. (2020). Strengthening the Saudi Arabian healthcare system: Role of Vision 2030. International Journal of Healthcare Management, 14(4), 1483–1491. https://doi.org/10.1080/20479700.2020.1788334
Rules and Regulations. (n.d.). https://chi.gov.sa/en/AboutCCHI/Rules/Pages/defaul…
Puteh, S. E. W. (n.d.). Feasibility of National Health Insurance for Saudi Healthcare Services: Qualitative Study. Arab Journals Platform. https://digitalcommons.aaru.edu.jo/isl/vol11/iss2/…
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Universal health coverage implies that all communities and individuals should have access to high-quality health care without financial hardship(Fang et al., 2019). The overall population’s influence on health health coverage enrollment was insignificant. However, the intervention increased the probability of enrollment significantly, particularly among the uninsured at baseline.(Opoku Duku et al., 2022) Engaging local residents in the evaluation and enhancement of health-care and insurance facilities may significantly raise household level’ readiness to enlist, even if those efforts do not directly translate into perception quality improvements. Individuals’ improved health status in treatment communities may have contributed to this effect. Individuals who were by now enrolled at base point did not appear to require any extra incentive to refresh their insurance.(Opoku Duku et al., 2022)
Mutual health insurance’s impact on healthcare utilization many households rely on health insurance as a critical financial protection strategy. A mutual health insurance plan protects individuals from economic difficulties during illness. The use of healthcare is increased by a mutual health insurance scheme. The differences in the influence of consensual insurance coverage on service utilization could be attributed to differences in health-seeking behavior, the severity of illness, healthcare coverage, and perception of healthcare quality in different settings.(Tilahun et al., 2018).
Private hospitals, on the other hand, have been supplying medical services to uninsured patients for decades. 41 Because of the greater rates they can start charging their own wider pool of private health-insured insured clients, private clinics may be better placed to do is provide care at no cost. The increased payment from private health insurance companies may aid in reducing the large increase in uninsured patients in regions with growing Hispanic populations.(Rosales et al., 2018).
To improve consumers’ access to needed health-care services for both disease prevention and treatment of starting to emerge or chronic medical conditions, research should look into the character traits of individuals who delay or failure to seek health care due to cost, especially some who disclose a delay in preventative medicine due to cost.(Smith et al., 2018a). Many participants stated that they postponed care because of the cost, despite the fact that the majority were insured, which is similar to previous work. Despite the fact that that 86% of persons in this test were insured, approximately 45% of participants replied that they had postponed or managed to avoid any treatment due to cost in the previous 12 months.
Low healthcare insurance literacy has been linked to a lack of awareness about specific preventive services, which may lead to a lack of access to necessary care. Increased healthcare insurance literacy may lead to more appropriate health-care utilization. Engaging web-based or even in initiatives may be able to educate consumers and boost their confidence in using insurance to obtain necessary care.(Smith et al., 2018b)
Ensuring high-quality health-care services is a critical component of Saudi Vision 2030, that has resulted in the launch of a project to increase health-care privatization across the country. Improving the standing of quality of health care services in Saudi Arabia will increase sector profitability, meet community needs, and improve policy development.(Alumran et al., 2021)
References
Alumran, A., Almutawa, H., Alzain, Z., Althumairi, A., & Khalid, N. (2021). Comparing public and private hospitals’ service quality. Journal of Public Health, 29(4), 839–845. https://doi.org/10.1007/s10389-019-01188-9
Fang, H., Eggleston, K., Hanson, K., & Wu, M. (2019). Enhancing financial protection under China’s social health insurance to achieve universal health coverage. BMJ, 365, l2378. https://doi.org/10.1136/bmj.l2378
Opoku Duku, S. K., Nketiah-Amponsah, E., Fenenga, C. J., Janssens, W., & Pradhan, M. (2022). The effect of community engagement on healthcare utilization and health insurance enrollment in Ghana: Results from a randomized experiment. Health Economics, 31(10), 2120–2141. https://doi.org/10.1002/hec.4556
Rosales, R., Figuereo, V., Woo, B., Perez-Aponte, J., & Cano, M. (2018). Preparing to work with Latinos: Latino-focused content in social work master’s degree programs. Journal of Teaching in Social Work, 38, 251–262. https://doi.org/10.1080/08841233.2018.1472175
Smith, K. T., Monti, D., Mir, N., Peters, E., Tipirneni, R., & Politi, M. C. (2018a). Access Is Necessary but Not Sufficient: Factors Influencing Delay and Avoidance of Health Care Services. MDM Policy & Practice, 3(1), 2381468318760298. https://doi.org/10.1177/2381468318760298
Smith, K. T., Monti, D., Mir, N., Peters, E., Tipirneni, R., & Politi, M. C. (2018b). Access Is Necessary but Not Sufficient: Factors Influencing Delay and Avoidance of Health Care Services. MDM Policy & Practice, 3(1), 2381468318760298. https://doi.org/10.1177/2381468318760298
Tilahun, H., Atnafu, D. D., Asrade, G., Minyihun, A., & Alemu, Y. M. (2018). Factors for healthcare utilization and effect of mutual health insurance on healthcare utilization in rural communities of South Achefer Woreda, North West, Ethiopia. Health Economics Review, 8(1), 15. https://doi.org/10.1186/s13561-018-0200-z