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    One Dollar Health Insurance
    One Dollar Health Insurance
    One Dollar Health Insurance
    Ebook50 pages51 minutes

    One Dollar Health Insurance

    By Claude Sekabaraga

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    About this ebook

    This book contains a health insurance model that aims to provide affordable premiums for low-income populations in countries with different levels of development and economy. The model is constructed on the basis that health care services are a top priority when people are sick. In many situations, low-income people work hard to come up from poverty and become sick accidently. Despite all their efforts, all the investments they have suffered to acquire are spent to cover medical treatments. When reviewing why health insurance does not cover those with a low income, the high level of premiums is ranked as the main reason. The model presented in this book is the result of this undertaking. It proposes three strategies for developing a large cost-sharing capacity that covers at least 10 million members. The economy of scale boosts businesses constructed with lower prices to obtain many clients. In business, a low price is far from enough. The quality of a product or service is equally or even more important. Quality in health insurance means many things, but an essential parameter is the benefits package of the healthcare services covered. The idea of the model is to say, "Let us focusing on a limited number of expensive healthcare services, as the prevalence is usually low and cost sharing should work. The proposed attractive benefits include major surgeries, complicated birth deliveries, and cancer treatment. The services include medical consultations, diagnostic exams and drugs. To make the model more attractive and sustainable, the quality and efficiency of healthcare services and the efficiency of the health insurance administration were added. The model is proposed as a profitable social business that aims to attract investments for the reduction or prevention of the impoverishment of low-income populations due to expensive healthcare services.

    LanguageEnglish
    PublisherClaude Sekabaraga
    Release dateFeb 15, 2016
    ISBN9780997325737
    One Dollar Health Insurance
    Author

    Claude Sekabaraga

    Dr. Claude Sekabaraga is a medical doctor and senior public health and health financing specialist. Over 15 years, he has been a hospital director, director of quality healthcare, director of health services, and director of planning, policy, and capacity building in Rwanda. He later worked for the World Bank as a senior results-based financing specialist for 4 years, during which he travelled to many countries for assessing, designing, and providing technical assistance for developing countries. Currently, he is the founder and managing director of Quality & Equity Healthcare Ltd and International Doctor Booking, LLC, and he is among the founders of One Dollar Health Insurance Ltd. The three are social-health businesses that aim to provide access to quality healthcare services to low-income populations. When starting his career, he quickly realized that the health care sector lacked realistic and effective health financing programs. Many people expect the government to address this when in reality the capacity is cruelly lacking. He struggled to explain this to colleagues, but, fortunately, gained the opportunity to be involved in and provide support for the design and implementation of health insurance schemes, including public, community, and private schemes. This book is a work of passion and reason and outlines the vision to provide realistic and effective access to quality healthcare services to low-income populations to prevent impoverishment due to catastrophic health care expenses.

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      Book preview

      One Dollar Health Insurance - Claude Sekabaraga

      One Dollar Health Insurance

      How to Engage Health Insurances in Having a Protective Product for Low-Income Populations and Get Profits

      Claude Sekabaraga

      Copyright © 2016 Claude Sekabaraga

      All rights reserved.

      Distributed by Smashwords

      This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this ebook with another person, please purchase an additional copy for each person you share it with. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then you should return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      Ebook formatting by www.ebooklaunch.com

      Table of Contents

      Dedication

      Abbreviations and Acronyms

      Definitions

      Preface

      Chapter 1. Sad Picture of Health Financing

      Chapter 2. Economy of Scale and Strategic Purchasing

      Chapter 3. Business plans

      Low-income population of developing countries

      Low-income population of newly industrialized countries

      Low-income population of developed countries

      Chapter 4. Payment Based on Quality and Efficiency

      Payment Based on Quality of Healthcare Services

      Payment Based on Efficiency of Healthcare Services

      Formula of Payment Based on Quality and Efficiency

      Chapter 5. Operational Arrangements

      Conclusion

      References

      Book Description

      Biography

      Dedication

      To all of you that struggle to develop effective health-financing programs that protect low-income populations from unaffordable healthcare costs, I dedicate this book. This includes leaders and activists who are engaged in designing public, community, and private schemes that aim at ensuring low-income populations are well and effectively protected against catastrophic health expenditures. May this book provides you with further inspiration and commitment to the noble vision and mission inside your hearts and minds.

      Abbreviations and Acronyms

      ACA: Patient Protection and Affordable Care Act (also called Obama Care)

      $: Dollar. In this book, the United States of America Dollar (USD or US$)

      OECD: Organization for Economic Co-operation and Development

      WHO: World Health Organization

      Definitions

      Catastrophic Health Expenditure: The varying threshold of catastrophic healthcare service expenditures. Some people propose that this is 20% of total household income. A consensus is being reached through the WHO and that

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