The Major Merits of Healthcare Insurance Models A Review Study

Abstract

World Health Organization persistently calls for establishing a universal healthcare insurance systems, capable of providing equitable, accessible, qualified, and affordable services. Solidarity is the doctrine through which healthcare insurance philosophy built. Different sociopolitical notions about solidarity had yielded four different models: Bismarck, Beveridge, Private Health Insurance (PHI), and Out-of-Pocket Payment (OOP). Accordingly; each model characterizes with certain merits in scope of the funding system, reimbursement techniques, and the total cost containment. Consequently, these merits have their own impact on the patient satisfaction in term of the rate of population coverage and waiting list size. This is a review study aimed to understand the economic and administrative features of each healthcare insurance model and their impact on the clinical outcomes. It’s an attempt to pave the way to design a hybrid healthcare insurance system capable of optimally use the local resources of the society.