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Wikipedia

List of countries with universal health care

Government-guaranteed health care for all citizens of a country, sometimes called universal health care, is a broad concept that has been implemented in several ways. The common denominator for all such programs is some form of government action aimed at broadly extending access to health care and setting minimum standards. Most implement universal health care through legislation, regulation, and taxation. Legislation and regulation direct what care must be provided, to whom, and on what basis.

The logistics of such health care systems vary by country. Some programs are paid for entirely out of tax revenues. In others, tax revenues are used either to fund insurance for the very poor or for those needing long-term chronic care. In some cases such as the UK, government involvement also includes directly managing the health care system, but many countries use mixed public-private systems to deliver universal health care. Alternatively, much of the provision of care can be contracted from the private sector, as in the case of Canada and France. In some instances, such as in Italy and Spain, both these realities may exist at the same time. The government may provide universal health insurance in the form of a social insurance plan that is affordable by all citizens, such as in the case of Germany and Taiwan, although private insurance may provide supplemental coverage to the public health plan. In twenty-five European countries, universal healthcare entails a government-regulated network of private insurance companies.[1][2]

Africa edit

Algeria edit

Algeria operates a public healthcare system. It is a universal healthcare system as well. A network of hospitals, clinics, and dispensaries provide treatment to the population, with the Social Security system funding health services, although many people must still cover part of their costs due to the rates paid by the Social Security system remaining unchanged since 1987. The poor are generally entitled to taxpayer funded health services, while the wealthy pay for treatment according to a sliding scale.[3][4]

Botswana edit

Botswana established a free healthcare system that operates a system of public medical centers, with 98% of health facilities in the country run by the government.[citation needed] All citizens are entitled to be treated in taxpayer funded facilities, though a nominal fee of ~70 BWP (~US$6.60) is typically charged for public health services except for sexual reproductive health services and antiretroviral therapy services, which are free.[5]

Burkina Faso edit

Burkina Faso provides universal healthcare to citizens through a system called Universal Health Insurance (AMU)—administered by two bodies, one for civilians and the other for the armed forces.[6]

Mauritius edit

The Government of Mauritius operates a system of medical facilities that provide treatment to citizens free of charge.[7]

Morocco edit

Morocco does not have universal health care. It is currently building a system which was slated to cover the entire population by the end of 2022.[8] The country operates a public health sector run by the government that operates 85% of the country's hospital beds. It deals mainly with the poor and rural populations, who cannot afford private healthcare. In addition, a non-profit health sector operated by the National Social Security Fund covers 16% of the population. Private medical care is available for those who can afford it.[9]

Rwanda edit

Rwanda operates a system of universal health insurance through the Ministry of Health called Mutuelle de Santé (Mutual Health), a system of community-based insurance where people pay premiums based on their income level into local health insurance funds, with the wealthiest paying the highest premiums and required to cover a small percentage of their medical expenses, while those at the lowest income levels are exempt from paying premiums and can still utilize the services of their local health fund. In 2012, this system insured all but 4% of the population.[10]

Seychelles edit

The government of Seychelles operates a system of medical facilities that provide treatment to citizens free of charge.

Tunisia edit

Tunisia operates a public healthcare system under the National Health Insurance Fund (Caisse Nationale d'Assurance Maladie). All Tunisian citizens and residents can receive treatment in state-run hospitals and clinics for a very low co-pay, while people with the lowest income are able to apply for an exemption from co-pays.[11]

Asia edit

Bhutan edit

The Royal Government of Bhutan maintains a policy of free and universal access to primary health care. As hospital facilities in the country are limited, patients with diseases that cannot be treated in Bhutan, such as cancer, are normally referred to hospitals in India for treatment. Such referral treatment is also carried out at the cost of the Royal Government.[12]

China edit

As of 2017, more than 97% of people in China are covered by one of three categories of public health insurance. From most generous to least generous, they are the:

  1. Urban Employee Basic Medical Insurance (UEBMI, 职工医保)
  2. Urban Resident Basic Medical Insurance (URBMI, 居民医保)
  3. New Cooperative Medical Service (NCMS, 新农合)

The UEBMI is funded by 6-12% by employers and 2% by employees; the URBMI entirely by local governments, and it covers students, the unemployed, and the retired; and the NCMS by the central government. In 2016, the government announced plans to merge NCMS with URBMI. China also has five private health insurance companies for supplementary care: the three largest are Ping An, PICC, and China Life. [13] For the public plans, the list of covered procedures is limited, and copayment is common. The proportion of out-of-pocket costs depends on profession and location: for example, workers in urban Shanghai might have 85% of their medical costs covered up to $740,000 while workers in rural Guiyang are reimbursed for 65% of their medical costs up to $29,000 annually.[14]

Immediately after the Chinese Communist Revolution in 1949, the state both directly operated all hospitals and clinics. The government paid for healthcare services, and life expectancy improved greatly, although the services provided were basic. State-provided health insurance varied by area: the Cooperative Medical System (CMS) covered rural areas, while the Government Insurance Scheme (GIS) and Labor Insurance Scheme (LIS) covered residents of urban areas.[15] After the Chinese economic reform in 1978, the state reduced spending on hospitals and allowed them to charge patients for profit. The state, however, did not stop paying for certain healthcare services like mandatory vaccination.[14]

From the high point of privatization of healthcare in the 1990s,[15] China has been reforming with universal health care as a goal in the 21st century, as part of the "moderately prosperous society" plan. The New Rural Co-operative Medical Care System (NRCMCS) from 2005, aimed at the rural poor, sets the annual cost of medical coverage at 50 yuan (US$7) per person. As of September 2007, around 80% of the whole rural population of China had signed up (about 685 million people). For patients who go to a small hospital or clinic in their local town, the scheme covers from 70 to 80% of their bill; patients at a county provider get 60% of their cost covered; and in a large modern city hospital, the scheme covers about 30% of the bill.[16]

At the end of 2008, the government published its reform plan clarifying government's responsibility by saying that it would play a dominant role in providing public health and basic medical service. The plan listed public health, rural areas, city community health services and basic medical insurance as four key areas for government investment. It also promised to tighten government control over medical fees in public hospitals and to set up a "basic medicine system" to cover drug costs.[17][18] China's "Law on Promotion of Basic Medical and Health Care", effective June 2020, asserts that Chinese citizens have a positive right to healthcare, regardless of cost. Additional laws are expected to specify what this right will mean in practice.[citation needed]

Hong Kong edit

Hong Kong has early health education, professional health services, and well-developed health care and medication system. The life expectancy is 84 for females and 78 for males,[19] which is the second highest in the world, and 2.94 infant mortality rate, the fourth lowest in the world.[20][21]

There are two medical schools in Hong Kong, and several schools offering courses in traditional Chinese medicine. The Hospital Authority is a statutory body that operates and manages all public hospitals. Hong Kong has high standards of medical practice. It has contributed to the development of liver transplantation, being the first in the world to carry out an adult to adult live donor liver transplant in 1993.[22]

India edit

At the federal level, a national health insurance program was launched in 2018 by the Government of India, called Ayushman Bharat. This aimed to cover the bottom 50% (500 million people) of the country's population working in the unorganized sector (enterprises having less than 10 employees) and offers them free treatment at both public and private hospitals.[23] For people working in the organized sector (enterprises with more than 10 employees) and earning a monthly salary of up to Rs 21000 are covered by the social insurance scheme of Employees' State Insurance which entirely funds their healthcare (along with pension and unemployment benefits), both in public and private hospitals.[24][25] People earning more than that amount are provided health insurance coverage by their employers through the many public or private insurance companies. As of 2020, 300 million Indians are covered by insurance bought from one of the public or private insurance companies by their employers as group or individual plans.[26] Unemployed people without coverage are covered by the various state insurance schemes if they do not have the means to pay for it.[27] In 2019, the total net government spending on healthcare was $36 billion or 1.23% of its GDP.[28] An outpatient card at AIIMS costs a one-time fee of 10 rupees (around 20 cents U.S.) and thereafter outpatient medical advice is free. In-hospital treatment costs is extremely minimal and depends on the financial condition of the patient and the facilities utilized, but are usually much less than in the private sector. For instance, a patient is waived treatment costs if their income is below the poverty line. However, getting treatment at high quality government hospitals is very tough due to the high number of people needing healthcare and the lack of sufficient facilities.

Primary health care is provided by city and district hospitals and rural primary health centres (PHCs). These hospitals provide treatment free of cost. Primary care is focused on immunization, prevention of malnutrition, pregnancy, child birth, postnatal care, and treatment of common illnesses.[29] Patients who receive specialized care or have complicated illnesses are referred to secondary (often located in district and taluk headquarters) and tertiary care hospitals (located in district and state headquarters or those that are teaching hospitals).[citation needed]. In urban cities and towns like Delhi, there are neighbourhood health clinics called Mohalla Clinics which offer completely free treatment, testing and drugs.[30]

The Indian government has launched Ayushyaman Bharat Yojana (AB-NHPM), which will provide all Indian citizens with insurance coverage for serious illnesses, and free drugs and diagnostic treatments.[31]

Indonesia edit

Indonesia is currently building a universal healthcare system with its Jaminan Kesehatan Nasional (JKN) scheme, managed by BPJS Kesehatan, which covers a range of treatments from public providers as well as private providers that opt to participate. The scheme is funded by premiums from the employed. The formally employed pay a premium worth 5% of their salary, with 1% paid by the employee and 4% paid by the employer, while informal workers and the self-employed must pay a fixed monthly premium. As of April 2018, 75% of the population was covered by JKN.[32]

While the country has a number of government-owned hospitals, about 63% are privately owned.[33] Indonesia also operates a three-tier community health system. The Ministry of Health oversees a network of Puskesmas, or community health centers, followed by health sub-centers and village-level integrated posts.[34]

Israel edit

 
Health care in Israel as a percentage of GDP

Israel has a system of universal healthcare as set out by the 1995 National Health Insurance Law. The state is responsible for providing health services to all residents of the country, who can register with one of the four national health service funds. To be eligible, a citizen must pay a health insurance tax. Coverage includes medical diagnosis and treatment, preventive medicine, hospitalization (general, maternity, psychiatric and chronic), surgery and transplants, preventive dental care for children, first aid and transportation to a hospital or clinic, medical services at the workplace, treatment for drug abuse and alcoholism, medical equipment and appliances, obstetrics and fertility treatment, medication, treatment of chronic diseases and paramedical services such as physiotherapy and occupational therapy.[35]

In Israel, the National Health Insurance Law is the legal framework that enables and facilitates basic, compulsory universal health care. Promoted by health minister Haim Ramon in the early 1990s,[36] the Knesset put the law into effect on January 1, 1995—basing it on recommendations from a National Committee of Inquiry headed by Shoshana Netanyahu, which examined restructuring the health care system in Israel in the late 1980s. Prior to the law's passage, over 90% of the population was already covered by voluntarily belonging to one of four nationwide, not-for-profit sickness funds. These operated some of their own medical facilities, funded in part by employers and the government, and in part by the insured via levies that varied according to income. However, there were three problems associated with this arrangement. First, membership in the largest fund, Clalit, required one to belong to the Histadrut labor organization, even if a person did not want to (or could not) have such an affiliation, and other funds restricted entry to new members based on age, pre-existing conditions, or other factors. Second, different funds provided different levels of benefit coverage or services to their members. Lastly, some of the population, albeit a small percentage, had no health insurance.

Before the law went into effect, all the funds collected premiums directly from members. However, upon passage of the law, a new progressive national health insurance tax was levied through Bituah Leumi (Israel's social security agency), which then re-distributes the proceeds to the sickness funds based on their membership and its demographic makeup. This ensured that all citizens would now have health coverage. While membership in one of the funds now became compulsory for all, free choice was introduced into movement of members between funds (a change is allowed once every six months), effectively making the various sickness funds compete equally for members among the populace. Annually, a committee appointed by the ministry of health publishes a "basket" or uniform package of medical services and prescription formulary that all funds must provide as a minimum to all members. Achieving this level of equality guaranteed basic healthcare regardless of fund affiliation, which was one of the principal aims of the law. An appeals process handles rejection of treatments and procedures by the funds and evaluates cases that fall outside the "basket" of services or prescription formulary.

The law is generally considered a success, and Israeli citizens enjoy a high standard of medical care comparatively, with more competition in the country's health care, and with order having brought to what was once a somewhat disorganized system—the law nevertheless has its critics. First among the criticisms is that the "basket" may not provide enough coverage. To partly address this, the health funds began offering "supplementary" insurance to cover certain additional services not in the basket. However, since this insurance is optional (though rather modestly priced, costing the equivalent of about US$10 to $35 a month depending on age and coverage for an adult in 2019), critics argue that it goes against the spirit of the new law, which stressed equality of healthcare for all citizens. Another criticism is that, to provide universal coverage to all, the tax income base amount (the maximum amount of yearly earnings that are subject to the tax) was set rather high, causing many high-income taxpayers to see the amount they pay for their health premiums (now health tax) skyrocket. Finally, some complain about the constantly rising costs of copayments for certain services.

Japan edit

All residents of Japan are required by the law to have health insurance coverage. People without insurance from employers can participate in a national health insurance programme, administered by local governments. Patients are free to select physicians or facilities of their choice and cannot be denied coverage. Hospitals, by law, must be run as non-profit and be managed by physicians.

Kuwait edit

Kuwait offers universal healthcare.

Macau edit

Macau offers universally accessible single-payer system funded by taxes. Health care is provided by the Health Bureau.

Malaysia edit

Malaysia has achieved universal health coverage. It has made remarkable progress in improving health outcomes over the past seven decades. At the time of Independence, the number of infant deaths was 75.5 per 1,000 live births. This has since fallen by more than 90 percent to 6.7 deaths per 1,000 live births in 2016. Maternal mortality which refers to the death of a woman caused by her pregnancy, during and after delivery, has also decreased by 89% between 1963 and 2013.[37]

Maldives edit

Aasandha is the national healthcare insurance scheme of the Maldives. It provides taxpayer-funded medical assistance to all Maldivian citizens. National Social Protection Agency of Maldives was formed under the National Social Health Insurance Act on August 27, 2008. It is mandated to administer the National Social Health Insurance Scheme and by an executive order under the same act mandated to conduct social protection programs identified by the government of Maldives. NSPA is also the responsible agency to regulate and conduct Social Protection programs under the Social Protection Act.

Pakistan edit

Some of Pakistan's provinces have universal healthcare coverage. The Government of Khyber Pakhtunkhwa launched a "universal health insurance programme" known as the "Sehat Insaf Card" to provide free healthcare for the residence of KPK, where families would be covered up to Rs. 10 lakh (US$3,500) for treatment.[38] This was further expanded to the Punjab province of Pakistan, in December 2021, to cover more than 31 million families. Prime Minister Imran Khan announced that an additional Rs. 440 billion (US$1.5 billion) would be spent to cover the entire province.[39]

Philippines edit

Filipinos are covered under the National Health Insurance Program (NHIP) of the Philippine government-owned Philippine Health Insurance Corporation or PhilHealth. Under the Universal Health Care Law of 2019, all Filipinos were automatically enrolled in the NHIP.[40]

Saudi Arabia edit

The Government of Saudi Arabia provides free universal health coverage for all citizens. Non-citizens are required by law to have private insurance paid for by their employer.

Singapore edit

Singapore has a universal health care system where government ensures affordability, largely through compulsory savings and price controls, while the private sector provides most care. Overall spending on health care amounts to only 3% of annual GDP. Of that, 66% comes from private sources.[41] Singapore currently has the second lowest infant mortality rate in the world and among the highest life expectancies from birth, according to the World Health Organization.[42] Singapore has "one of the most successful healthcare systems in the world, in terms of both efficiency in financing and the results achieved in community health outcomes," according to an analysis by global consulting firm Watson Wyatt.[43] Singapore's system uses a combination of compulsory savings from payroll deductions (funded by both employers and workers) a nationalized health insurance plan, and government subsidies, as well as "actively regulating the supply and prices of healthcare services in the country" to keep costs in check; the specific features have been described as potentially a "very difficult system to replicate in many other countries." Many Singaporeans also have supplemental private health insurance (often provided by employers) for services not covered by the government's programs.[43]

South Korea edit

South Koreans have access to a universal healthcare safety net, although a significant portion of healthcare is privately funded.

North Korea edit

North Korea claims to provide universal health care with a national medical service and health insurance system.[44] It claims that health services are offered for free.[44]: 7–8  However, this claim has been contrasted by North Korean defectors, who claim that patients must in fact pay for health services, that the upper classes have access to a higher standard of healthcare than ordinary ones do, and that "how much money a patient has determines whether they live or die".[45]

Sri Lanka edit

Sri Lanka provides free universal healthcare to their citizens.[46]

Taiwan edit

The current health care system in Taiwan, known as National Health Insurance (NHI), was instituted in 1995. NHI is a single-payer compulsory social insurance plan that centralizes the disbursement of health care dollars. The system promises equal access to health care for all citizens, and the population coverage had reached 99% by the end of 2004.[47] NHI is mainly financed through premiums based on the payroll tax, and is supplemented with out-of-pocket payments and direct government funding. In the initial stage, fee-for-service predominated for both public and private providers.[citation needed]

NHI delivers universal coverage offered by a government-run insurer. The working population pays premiums split with their employers, others pay a flat rate with government help and the poor or veterans are fully subsidized.[48]

Under this model, citizens have free range to choose hospitals and physicians without using a gatekeeper and do not have to worry about waiting lists. NHI offers a comprehensive benefit package that covers preventive medical services, prescription drugs, dental services, Chinese medicine, home nurse visits and many more. Since NHI, the previously uninsured have increased their usage of medical services. Most preventive services are free such as annual checkups and maternal and child care. Regular office visits have co-payments as low as US$5 per visit. Co-payments are fixed and unvaried by the person's income.[49]

Thailand edit

Thailand introduced universal coverage reforms in 2001, becoming one of only a handful of lower-middle income countries to do so at the time. Means-tested health care for low income households was replaced by a new and more comprehensive insurance scheme, originally known as the 30 baht project, in line with the small co-payment charged for treatment. People joining the scheme receive a gold card that they use to access services in their health district, and, if necessary, get referrals for specialist treatment elsewhere. The bulk of finance comes from public revenues, with funding allocated to Contracting Units for Primary Care annually on a population basis. According to the WHO, 65% of Thailand's health care expenditure in 2004 came from the government, and 35% was from private sources.[41] Although the reforms have received a good deal of critical comment, they have proved popular with poorer Thais, especially in rural areas, and survived the change of government after the 2006 military coup. The then Public Health Minister, Mongkol Na Songkhla, abolished the 30 baht co-payment and made the UC scheme free. It is not yet clear whether the scheme will be modified further under the coalition government that came to power in January 2008.[50][51][52]

In 2016, Thailand became the first country in Asia to eliminate HIV transmission from mother to child, owing to its robust public healthcare system.[53]

United Arab Emirates edit

The United Arab Emirates has enacted federal legislation that requires universal healthcare nationals and mandatory health insurance for expatriates, but this legislation has not yet been implemented across the entire country. [54]

Europe edit

Almost all European countries have healthcare available for all citizens. Most European countries have systems of competing private health insurance companies, along with government regulation and subsidies for citizens who cannot afford health insurance premiums.[55] Countries with universal healthcare include Austria, Belarus,[56] Croatia, Czech Republic, Denmark, Finland, France, Germany, Greece, Iceland, Italy, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Moldova,[57] Norway, Poland, Portugal,[58] Romania, Russia, Serbia, Spain, Sweden, Switzerland, Ukraine,[59] and the United Kingdom.[60]

Armenia edit

Armenia operates a mandatory social health insurance system. The majority of the population is enrolled in the Compulsory Health Insurance Fund, which is funded through payroll taxes and contributions from employers and employees.

Austria edit

Healthcare in Austria is universal for residents of Austria as well as those from other EU countries.[61] Austria has a two-tier payment system in which many individuals receive basic publicly funded care; they also have the option to purchase supplementary private health insurance.

Belgium edit

Healthcare in Belgium is composed of three parts. Firstly there is a primarily publicly funded healthcare and social security service run by the federal government, which organises and regulates healthcare; independent private/public practitioners, university/semi-private hospitals and care institutions. There are a few (commercially run for-profit) private hospitals.[62] Secondly is the insurance coverage provided for patients. Finally, industry coverage covers the production and distribution of healthcare products for research and development. The primary aspect of this research is done in universities and hospitals.

Bulgaria edit

Healthcare in Bulgaria is mixed. Some services are private, like dental care, and some services are run publicly by NHIF.[63] Because 15% of the population is uninsured and cannot access most health services, it does not currently qualify as having universal healthcare.[64]

Croatia edit

Croatia has a universal health care system that provides medical services and is coordinated by the Ministry of Health. The population is covered by a basic health insurance plan provided by statute and by optional insurance. It is administered by the Croatian Health Insurance Fund. In 2012, annual compulsory healthcare related expenditures reached 21.0 billion kunas (c. 2.8 billion euro). There are hundreds of healthcare institutions in Croatia, including 79 hospitals and clinics with 25,285 beds, caring for more than 760 thousand patients per year, 5,792 private practice offices and 79 emergency medical service units.

Cyprus edit

A universal national health system, known as GESY, was implemented in Cyprus in June 2019. The new system aims to provide affordable and effective medical care to all people residing permanently in Cyprus. As of June 2022, 917,000 Cypriots have registered[5][clarification needed] with a general practitioner through the GESY system, which is roughly the current population of the Republic of Cyprus.

Czech Republic edit

Czech Republic has a universal public health system paid largely from taxation. Private health care systems do co-exist freely alongside public ones, sometimes offering better quality or faster service. Almost all medical services are covered by health insurance and insurance companies, though certain services such as prescription drugs or vision and dental care are only covered partially.

Denmark edit

Denmark has a universal public health system paid largely from taxation with local municipalities delivering health care services in the same way as other Scandinavian countries. Primary care is provided by a general practitioner service run by private doctors contracting with the local regions with payment on a mixed per capita and fee for service basis. Most hospitals are run by the regions (only 1% of hospital beds are in the private sector).

Estonia edit

Estonia's health care system is based on compulsory insurance based on solidarity funding and on universal access to services provided by private service providers.

Finland edit

In Finland, public medical services at clinics and hospitals are run by the municipalities (local government) and are funded 76% by taxation, 20% by patients through access charges, and 4% by others. Private provision is mainly in the primary care sector. There are a few private hospitals.[65] The main hospitals are either municipally owned (funded from local taxes) or run by the medical teaching universities (funded jointly by the municipalities and the national government). According to a survey published by the European Commission in 2000, Finland's is in the top 4 of EU countries in terms of satisfaction with their hospital care system: 88% of Finnish respondents were satisfied compared with the EU average of 41.3%.[66] Finnish health care expenditures are below the European average.[67] The private medical sector accounts for about 14 percent of total health care spending. Only 8% of doctors choose to work in private practice, and some of these also choose to do some work in the public sector.[citation needed]

Taxation funding is partly local and partly nationally based. The national social insurance institution KELA reimburses part of patients prescription costs and makes a contribution towards private medical costs (including dentistry) if they choose to be treated in the private sector rather than the public sector. Patient access charges are subject to annual caps. For example, GP visits cost €11 per visit with annual €33 cap; hospital outpatient treatment €22 per visit; a hospital stay, including food, medical care and medicines €26 per 24 hours, or €12 if in a psychiatric hospital. After a patient has spent €683 per year on public medical services, all further treatment in that year is covered (although the required initial deductible is reviewed annually, so it may vary). There is a separate reimbursement system for prescribed medicine: after paying €578 per year, the remaining bought medicine will have a maximum price of €2.50 per purchase.[68]

Finland has a highly decentralized three-level public system of health care and alongside this, a much smaller private health care system.[69] Overall, the municipalities (funded by taxation, local and national) meet about two thirds of all medical care costs, with the remaining one third paid by the national insurance system (nationally funded), and by private finance (either employer-funded or met by patients themselves).[69] Private inpatient care forms about 3–4% of all inpatient care.[69] In 1999 only 17 per cent of total funding for health care came from insurance, comprising 14.9% statutory (government) insurance and 2.1% private health insurance. Eyeglasses are not publicly subsidized at all, although dentistry is available as a municipal service or can be obtained privately with partial reimbursement from the state.[69]

The percentage of total health expenditure financed by taxation in Finland (78%)[70] is above the OECD average and similar to the levels seen in Germany (77%) and France (80%) but below the level seen in the UK (87%). The quality of service in Finnish health care, as measured by patient satisfaction, is excellent. According to a survey published by the European Commission in 2000, Finland has one of the highest ratings of patient satisfaction with their hospital care system in the EU: 88% of Finnish respondents were satisfied compared with the EU average of 41.3%.[71]

There are caps on total medical expenses that are met out-of-pocket for drugs and hospital treatments. The National Insurance system pays all necessary costs over these caps. Public spending on health care in 2006 was 13.6 billion euros (equivalent to US$338 per person per month). The increase over 2005 at 8.2 per cent was below the OECD average of 9 percent. Household budgets directly met 18.7 per cent of all health care costs.[72]

France edit

France has a system of health care largely financed by government through a system of national health insurance. Nonetheless, not all medical care is paid for by the state, with only 70% of initial GP care covered and anywhere between 35% and 100% of prescription medication covered. It is consistently ranked as one of the best in the world.[73]

Georgia edit

In 2013, Georgia adopted a universal health care system. Healthcare in Georgia is provided by a universal health care system under which the state funds medical treatment in a mainly privatized system of medical facilities. In 2013, the enactment of a universal health care program triggered universal coverage of government-sponsored medical care of the population and improving access to health care services. Responsibility for purchasing publicly financed health services lies with the Social Service Agency (SSA).[74][75] However, according to the UN, due to the high out-of-pocket costs that patients incur, Georgia has not yet achieved universal healthcare.[76]

Germany edit

 
The Charité (Hospital) in Berlin

Germany has the world's oldest national social health insurance system,[77][78][79] with origins dating back to Otto von Bismarck's Sickness Insurance Law of 1883.[80][81] The system is decentralized with private practice physicians providing ambulatory care, and independent, mostly non-profit hospitals providing the majority of inpatient care. Employers pay for half of their employees' health insurance contributions, while self-employed workers pay the entire contribution themselves.[82] Approximately 90% of the population is covered by a statutory health insurance plan, which provides a standardized level of coverage through any one of approximately 100 public sickness funds.[82][83] The rest are covered by private health insurance. Private health insurance is only accessible to self-employed workers, high-income employees and Beamte. The contributions for public insurance is determined according to income, while the contributions for private health insurance are determined according to age and health condition.[82]

Purchasing basic health insurance is mandatory for all persons residing in Germany if not employed. Historically, the level of provider reimbursement for specific services is determined through negotiations between regional physician's associations and sickness funds. Since 1976 the government has convened an annual commission, composed of representatives of business, labor, physicians, hospitals, and insurance and pharmaceutical industries.[84] The commission takes into account government policies and makes recommendations to regional associations with respect to overall expenditure targets. In 1986 expenditure caps were implemented and were tied to the age of the local population as well as the overall wage increases. Although reimbursement of providers is on a fee-for-service basis, the amount to be reimbursed for each service is determined retrospectively to ensure that spending targets are not exceeded. Capitated care, such as that provided by U.S. health maintenance organizations, has been considered as a cost containment mechanism but would require consent of regional medical associations, and has not materialized.[85]

Copayments were introduced in the 1980s in an attempt to prevent overutilization and control costs. The average length of hospital stay in Germany has decreased in recent years from 14 days to 9 days, still considerably longer than average stays in the U.S. (5 to 6 days).[86][87] The difference is partly driven by the fact that hospital reimbursement is chiefly a function of the number of hospital days as opposed to procedures or the patient's diagnosis. Drug costs have increased substantially, rising nearly 60% from 1991 through 2005. Despite attempts to contain costs, overall health care expenditures rose to 10.7% of GDP in 2005, comparable to other western European nations, but substantially less than that spent in the U.S. (nearly 16% of GDP).[88]

Greece edit

The Greek healthcare system provides high quality medical services to insured citizens and is coordinated by the Ministry for Health and Social Solidarity. Public health services are provided by the National Healthcare Service, or ESY (Greek: Εθνικό Σύστημα Υγείας, ΕΣΥ). In 2010 there were 35,000 hospital beds and 131 hospitals in the country.

The Greek healthcare system has received high rankings by the World Health Organization, ranked 14th in the overall assessment and 11th in quality of service in a 2000 report by the WHO. However, it must be noted that the entire financial system collapsed in 2007–2008. The data listed above is from 2000.

Iceland edit

Iceland has a universal public health system paid largely from taxation with local municipalities delivering health care services in the same way as the Scandinavian countries. Iceland's entire population has equal access to health care services.[citation needed][89]

Ireland edit

The public health care system in Ireland is governed by the Health Act 2004,[90] which established a new body to be responsible for providing health and personal social services to everyone living in Ireland – the Health Service Executive. The new national health service came into being officially on January 1, 2005; however, the new structures are currently[when?] in the process of being established as the reform program continues[citation needed]. In addition to the public-sector, there is a large private health care market.

In Ireland, 37% of the population have a means-tested medical card that gives the holder access to tax-funded GP care and requires €2.00 for each prescription drug.[91] The standard charge for Irish and EU citizens who attend the A&E in hospitals is €100. This is free of charge if referred by a GP.[92] For all other residents who do not have a medical card, the average price for an appointment with a family doctor GP is €50 or €70 for an emergency appointment with a Caredoc GP.[93] Ireland is currently in the process of establishing a universal healthcare system based on compulsory private health insurance, with competition managed by the government. These reforms are known as Sláintecare and are scheduled to be completed by 2030.[94]

Italy edit

Italy has a public health care service for all the residents called "Servizio Sanitario Nazionale" or SSN (National Health Service). It is publicly run and funded mostly by taxation. Some services require variable co-pays, while other services (such as emergency medicine and a general doctor) are free. There is also a small parallel private health care system, especially in the field of dentistry and optometry.

Latvia edit

Healthcare in Latvia is universal for citizens of Latvia. The healthcare system in Latvia operates as a universal program that is primarily funded through government taxation.[95] It bears similarities to the National Health Service (NHS) in UK and employs a purchaser-provider split (PPS). Following several reforms, a National Health Service (NHS) type system, known as Nacionālais veselības dienests (NVD) in Latvian, was established in 2011.[96]

The NVD controls the implementation of healthcare policies while the Ministry of Health develops policies and oversees the system. Healthcare services are available for free for citizens of Latvia. The country's Ministry of Health manages its healthcare system through a combination of social insurance institutional body, legislative healthcare provision financed by taxes and numerous public and private providers.[97]

Despite near-universal population coverage provided by the NVD established in 2011, there are challenges to equitable access with issues around geographical distribution of health professionals, user charges and long waiting lists. The publicly funded health benefits package is limited in scope and only covers a predetermined set of services.[98][99]

Lithuania edit

The public healthcare system in Lithuania ensures free healthcare for almost all its citizens. This state-funded healthcare is available to long-term residents and expats too.

Luxembourg edit

Luxembourg provides universal health care coverage to all residents (Luxembourgers and foreigners) by the National Health Insurance (CNS - Caisse nationale de santé (French) or National Gesondheetskeess (Luxembourgish)). It is funded by mandatory contributions of employers and the workforce, and by government subsidies for insuring jobseekers, the poor, and for financing medical infrastructure. The nation also has mandatory public long-term care insurance.[100][101]

Netherlands edit

The Netherlands has a dual-level system. All primary and curative care (family doctors, hospitals, and clinics) is financed from private compulsory insurance. Long-term care for the elderly, the dying, the long-term mentally ill etc. is covered by social insurance funded by public spending. According to the WHO, the health care system in the Netherlands was 62% government-funded and 38% privately funded as of 2004.[41]

Insurance companies must offer a core universal insurance package for universal primary, curative care, including the cost of all prescription medicines. They must do this at a fixed price for all. People pay the same premium whether young or old, healthy or sick. It is illegal in The Netherlands for insurers to refuse an application for health insurance, to impose special conditions (e.g., exclusions, deductibles, co-pays etc.), or refuse to fund treatments that a doctor has determined are medically necessary. The system is 50% financed from payroll taxes paid by employers to a fund controlled by the Health regulator. The government contributes an additional 5% to the regulator's fund. The remaining 45% is collected as premiums paid by the insured directly to the insurance company. Some employers negotiate bulk deals with health insurers and some even pay the employees' premiums as an employment benefit. The regulator has sight of the claims made by policyholders and therefore can redistribute the funds its holds on the basis of relative claims made by policy holders. Thus insurers with high payouts receive more from the regulator than those with low payouts. Insurance companies have no incentive to deter high-cost individuals from taking insurance and are compensated if they have to pay out more than might be expected. Insurance companies compete with each other on price for the 45% direct premium part of the funding and try to negotiate deals with hospitals to keep costs low. The competition regulator is charged with checking for abuse of dominant market positions and the creation of cartels that act against consumer interests. An insurance regulator ensures that all basic policies have identical coverage rules so that no person is medically disadvantaged by his or her choice of insurer.

Hospitals in the Netherlands are also regulated and inspected but are mostly privately run and not-for-profit, as are many of the insurance companies. Patients can choose where they want to be treated, and have access to information on the internet about the performance and waiting times at each hospital. Patients dissatisfied with their insurer and choice of hospital can cancel at any time but must make a new agreement with another insurer.

Insurance companies can offer additional services at an extra cost over and above the universal system laid down by the regulator, e.g., for dental care. The standard monthly premium for health care paid by individual adults is about €100 per month. Persons with low incomes can get assistance from the government if they cannot afford these payments. Children under 18 are insured by the system at no additional cost to them or their families because the insurance company receives the cost of this from the regulator's fund. There is a fixed yearly deductible of €385 for each adult person, excluding first visits for diagnosis to general physicians.

Norway edit

Norway has a universal public health system paid largely from taxation in the same way as other Scandinavian countries. The Norwegian health care system is government-funded and heavily decentralized. The health care system in Norway is financed primarily through taxes levied by county councils and municipalities. Dental care is included for children until 18 years old, and is covered for adults for some ailments.[102]

Norway regularly comes top or close to the top of worldwide healthcare rankings.

North Macedonia edit

The country inherited a large health infrastructure after independence in 1991 with good well-distributed public health services. Private hospitals were opened and primary care was privatised. Subsequently, both public and private providers have been integrated into one social insurance-funded model managed by the Health Insurance Fund of North Macedonia. The public hospital sector is seen as inefficient and is unpopular with both patients and professional staff. 90% of the population is within 30 minutes of a health service.

Expenditure on healthcare was $851 per head in 2014, 6.5% of GDP.

According to the Euro health consumer index the Macedonian health system made the most remarkable advance of any country in the history of their Index, from 27th to 16th place in 2014, because by implementing a real-time e-Booking system they reduced waiting lists so significantly. From July 2013, any GP can make a booking at any specialist or heavy diagnostic equipment in the country in real-time while the patient is present. They rated Macedonia 16th in Europe in 2015.

The Doctor's Chamber of Macedonia complains that there is a discrepancy between the available funds and the quality of service expected, that facilities are not used efficiently, equipment is outdated and staff are not used effectively.

Portugal edit

Portugal's National Healthcare Service, known nationally as Serviço Nacional de Saúde (SNS), is a universal and free healthcare service provided nationwide since 1979 and available to both Portuguese and foreign residents. In 2014, Portugal SNS ranked 13th best healthcare service in Europe.[103] The National Medical Emergency Institute (INEM) is the main emergency medical service and can be activated by calling 112.

Romania edit

According to Article 34 of the Constitution of Romania, the state is obliged "to guarantee the protection of healthcare". Romania has a fully universal healthcare system, which covers medical check-ups, surgical interventions, and any postoperative medical care, as well as free or subsidized medicine for a range of diseases. The state is also obliged to fund public hospitals and clinics. Dental care is not funded by the state, although there are public dental clinics in some hospitals, which treat patients free of charge.

Russia edit

In the former Soviet Union, the preferred term was "socialist medicine"; the Russian language has no term to distinguish between "socialist" and "socialized" (other than "public", Rus: obshchestvenniy/общественный, sometimes "collectivized" or "nationalized", Rus: obobshchestvlenniy/обобществленный).[104][105]

Russia in Soviet times (between 1917 and 1991) had a totally socialist model of health care with a centralized, integrated, hierarchically organised government providing free health care to all citizens. Quality of care and access to medications was not equal however and was dependent on the social status of patient. The best care was provided for nomenklatura and their family members, who had been segregated from the rest of population facilities, such as Kremlin hospital.[106] Initially successful at combating infectious diseases, the effectiveness of the socialized model declined with underinvestment. Despite a doubling in the number of hospital beds and doctors per capita between 1950 and 1980, the quality of care began to decline by the early 1980s and medical care and health outcomes were below western standards.

The new mixed economy Russia has switched to a mixed model of health care with private financing and provision running alongside state financing and provision. The OECD reported that unfortunately, none of this has worked out as planned and the reforms have in many respects made the system worse.[107][needs update] The population's health has deteriorated on virtually every measure. The resulting system is overly complex and very inefficient. It has little in common with the model envisaged by the reformers. Although there are more than 300 private insurers and numerous public ones in the market, real competition for patients is rare leaving most patients with little or no effective choice of insurer, and in many places, no choice of health care provider either. The insurance companies have failed to develop as active, informed purchasers of health care services. Most are passive intermediaries, making money by simply channelling funds from regional OMS funds to healthcare providers.

Article 41 of the Constitution of the Russian Federation confirms a citizen's right to state healthcare and medical assistance free of charge.[108] This is achieved through state compulsory medical insurance (OMS), which is funded by an obligatory medical insurance payroll tax and government subsidies.[109][110] It is worth mentioning that Russian citizens never pay taxes for themselves and often don't even know how much taxes they pay, because tax payment process is maintained by companies they are working on.[111] Introduction in 1993 reform of new free market providers in addition to the state-run institutions intended to promote both efficiency and patient choice. A purchaser-provider split helps facilitate the restructuring of care, as resources would migrate to where there was greatest demand, reduce the excess capacity in the hospital sector and stimulate the development of primary care. Russian Prime Minister Vladimir Putin announced a new large-scale health care reform in 2011 and pledged to allocate more than 300 billion rubles ($10 billion) in the next few years to improve health care in the country. As of 2020 the health insurance tax (called deposition to an OMS fund) is 5.1%.[112]

Serbia edit

The Constitution of the Republic of Serbia states that it is the right of every citizen to seek medical assistance free of charge.[113] This is achieved by mutual contribution to the Compulsory Social Healthcare Fund of RZZO (Republički Zavod za Zdravstveno Osiguranje or National Health Insurance Institution). The amount of contribution depends on the amount of money the person is making.

Spain edit

Spain provides a public universal health care system for all citizens and, under certain conditions, also non-citizens. Healthcare is free except for co-payments for some products and services; it is mostly paid from the Social Security budget. Adult dental care is not covered but for basic extractions or problems that could result in serious stomatological conditions.

Irrespective of the nationality and insurance situation of the patient, the public system always treats medical emergencies until achieving the best possible outcome. If not covered by the Spanish Social Security (i.e., a visiting foreigner), the provider later negotiates payment with the patient or the patient's insurer. If actually unable to pay, it is covered by Social Security on humanitarian grounds unless the patient purposely traveled to Spain to get free healthcare. Obvious unexpected emergencies such as accidental injuries or sudden illness are customarily covered, but those that could be reasonably expected (e.g., arising from a chronic condition or from avoidable risk-taking) are studied on a case-per-case basis.

According to the World Economic Forum and to Bloomberg, Spain has the most efficient health system in Europe, and also ranks at the top worldwide along with Hong Kong, Japan and Singapore.[114][115]

Private health insurance is available for those who prefer it, and recommended for visitors not covered by the Spanish Social Security or a foreign public or private insurer with overseas coverage.

Sweden edit

Sweden has a universal public health care system paid for through taxation. The Swedish public and private health care systems are funded through taxes levied by the county councils. Government-paid dental care is accessible to those under 23 years old.

Sweden also has a smaller private health care sector, mainly in larger cities or as centers for preventive health care financed by employers.

In recent years the health care system of Sweden has been heavily criticized for not providing the same quality of health care to all Swedish citizens.[116][117][118][119] This was especially brought to light during the COVID-19 pandemic as Swedish media and public health researchers pointed out that Swedish citizens of other ethnicities than Swedish and people living in working class areas were dying from COVID-19 at a significantly higher rate than the rest of the population.[120][121][122]

Switzerland edit

Purchasing basic health insurance is mandatory for all persons residing in Switzerland (within three months of taking up residence or being born in the country).[123] Healthcare in Switzerland is universally available and is regulated by the Federal Health Insurance Act of 1994. Supplemental insurance plans are optional. Insurers are required to offer insurance to everyone, regardless of age or medical condition. They are not allowed to make a profit off this basic insurance, but can on supplemental plans.[124]

Turkey edit

Turkey achieved universal health coverage in 2003.[125]

The Government's Health Transformation Program of 2003 established a common benefit package that covers primary and preventive care, ambulatory and inpatient care, laboratory services, rehabilitation and follow-up services, pharmaceuticals and medical aids and appliances.[125] Payroll taxes of 12.5% of a person's gross income (5% by the employee and 7.5% by the employer) fund 97%[126] of the program. The government provides for the remaining 3% of the cost.[127]

United Kingdom edit

Each of the countries of the United Kingdom has a National Health Service that provides public healthcare to all UK permanent residents that was originally designed to be free at the point of need and paid for from general taxation; but changes included introducing charging for prescription medicines and dentistry (those below 16 and those on certain benefits may still get free treatment). However, since health is now a devolved matter, considerable differences are developing between the systems in each of the countries for example Northern Ireland, Scotland and Wales abolished prescription charges.[128] Private healthcare companies are free to operate alongside the public system.

England edit

 
Norfolk and Norwich University Hospital, a National Health Service hospital.

The National Health Service (NHS), created by the National Health Service Act 1946, has provided the majority of healthcare in England since its launch on July 5, 1948.[citation needed]

The NHS Constitution for England documents, at a high level, the objectives of the NHS, the legal rights and responsibilities of the various parties (patients, staff, NHS trust boards), and the guiding principles that govern the service.[129] The NHS constitution makes it clear that it provides a comprehensive service, available to all irrespective of age, gender, disability, race, sexual orientation, religion, or belief; that access to NHS services is based on clinical need and not an individual's ability to pay; and that care is never refused on unreasonable grounds. Patient choice in terms of doctor, care, treatments, and place of treatment is an important aspect of the NHS's ambition, and in some cases patients can elect for treatment in other European countries at the NHS's expense. Waiting times are low, with most people able to see their primary care doctor on the same day or the following day.[130] Only 36.1% of hospital admissions are from a waiting list, with the remainder being either emergencies admitted immediately or else pre-booked admissions or the like (e.g., child birth).[131] One of the main goals of care management is to ensure that patients do not experience a delay of more than 18 weeks from initial hospital referral to final treatment, inclusive of time for all associated investigative tests and consultations.[132] In 2009, two-thirds of patients were treated in under 12 weeks.[133]

Though centrally funded, the NHS is not managed by a large central bureaucracy. Responsibility is divided among geographical areas through strategic health authorities. Management is distributed even more locally through primary care trusts, hospital trusts—and increasingly to NHS foundation trusts that provide even more decentralized services within the NHS framework, with more decisions left to local people, patients, and staff. The central government office—the Department of Health—is not involved in day-to-day decision making in either the Strategic Health Authorities or the individual local trusts (primarily health, hospital, or ambulance) or the national specialist trusts such as NHS Blood and Transplant. It does lay down general guidelines they must follow. Local trusts are accountable to their local populations, whilst government ministers are accountable to Parliament for the service overall.[citation needed]

The NHS provides, among other things, primary care, in-patient care, long-term healthcare, psychiatric care and treatments, ophthalmology, and dentistry. All treatment is taxpayer-funded with the exception of certain charges for prescriptions, dentistry and ophthalmology (which themselves are free to children, certain students in full-time education, the elderly, the unemployed and those on low incomes). Around 89 percent of NHS prescriptions are obtained free of charge, mostly for children, pensioners, and pregnant women. Others pay a flat rate of £9.00, and others may cap their annual charges by purchasing an NHS Prescription Prepayment Certificate. Private health care has continued parallel to the NHS, paid for largely by private insurance. Private insurance accounts for only 4 percent of health expenditure and covers little more than a tenth of the population.[134] Private insurers in the UK only cover acute care from specialists. They do not cover generalist consultations, pre-existing conditions, medical emergencies, organ transplants, chronic conditions such as diabetes, or conditions such as pregnancy or HIV.[135]

Most NHS general practitioners are private doctors who contract to provide NHS services, but most hospitals are publicly owned and run through NHS trusts. A few NHS medical services (such as "surgicentres") are sub-contracted to private providers[136] as are some non-medical services (such as catering). Some capital projects such as new hospitals have been funded through the Private Finance Initiative, enabling investment without (in the short term) increasing the public sector borrowing requirement, because long-term contractually obligated PFI spending commitments are not counted as government liabilities.[citation needed]

Northern Ireland edit

Health and Social Care in Northern Ireland is the designation of the national public health service in Northern Ireland.

Scotland edit

 
The Royal Aberdeen Children's Hospital is a specialist children's hospital within NHS Scotland.

NHS Scotland, created by the National Health Service (Scotland) Act 1947, was also launched on July 5, 1948, although it has always been a separate organization. Since devolution, NHS Scotland has followed the policies and priorities of the Scottish Government, including the phasing out of all prescription charges by 2011. Prescriptions are now free in Scotland for all citizens.

Wales edit

NHS Wales was originally formed as part of the same NHS structure created by the National Health Service Act 1946 but powers over the NHS in Wales came under the Secretary of State for Wales in 1969,[137] in turn being transferred under devolution to what is now the Welsh Government.

Crown dependencies edit

Isle of Man edit

The Isle of Man, a UK Crown dependency, provides universal public health coverage to its residents.[138]

Guernsey/Jersey edit

The medical care system in the Channel Islands is very similar to that of the UK in that many of the doctors and nurses have been trained from the UK health perspective.

There is universal health care for residents of Jersey.[139]

Healthcare in Guernsey and Alderney is charged for[140] with all primary care provided for on a private basis.[141][142]

There is no universal healthcare for residents of Sark.

North America edit

Barbados, Canada, Costa Rica, Cuba, Mexico, and Trinidad and Tobago all provide some level of universal health coverage.

Bahamas edit

The Bahamas approved the National Health Insurance Act in August 2016. The legislation establishes a universal health coverage system that begins with universal coverage of primary health care services, and later expands to include a wide set of benefits that includes all specialized care. The system allows for universal coverage of a basic benefits package and for voluntary insurance to be purchased as a top-up policy to cover services or amenities that are not included in the government plan.[143]

Canada edit

In 1984, the Canada Health Act was passed, which prohibited extra billing by doctors on patients while at the same time billing the public insurance system. In 1999, the prime minister and most premiers reaffirmed in the Social Union Framework Agreement that they are committed to health care that has "comprehensiveness, universality, portability, public administration and accessibility."[144]

The system is for the most part publicly funded, yet most of the services are provided by private enterprises or private corporations,[citation needed] although most hospitals are public. Most doctors do not receive an annual salary, but receive a fee per visit or service.[145] About 29% of Canadians' health care is paid for by the private sector or individuals.[146] This mostly goes towards services not covered or only partially covered by Medicare such as prescription drugs, dentistry, physiotherapy and vision care.[147] Many Canadians have private health insurance, often through their employers, that cover these expenses.[148]

The Canada Health Act of 1984 "does not directly bar private delivery or private insurance for publicly insured services," but provides financial disincentives for doing so. "Although there are laws prohibiting or curtailing private health care in some provinces, they can be changed," according to a report in the New England Journal of Medicine.[149][150] The legality of the ban was considered in a decision of the Supreme Court of Canada, which ruled in Chaoulli v. Quebec that "the prohibition on obtaining private health insurance, while it might be constitutional in circumstances where health care services are reasonable as to both quality and timeliness, is not constitutional where the public system fails to deliver reasonable services." The appellant contended that waiting times in Quebec violated a right to life and security in the Quebec Charter of Human Rights and Freedoms. The Court agreed, but acknowledged the importance and validity of the Canada Health Act, and at least four of the seven judges explicitly recognized the right of governments to enact laws and policies that favour the public over the private system and preserve the integrity of the public system.

Costa Rica edit

Universal healthcare and pensions are run by the Caja Costarricense de Seguro Social (CCSS). In 1941, Costa Rica established Caja Costarricense de Seguro Social (CCSS), a social security insurance system for wage-earning workers. In 1961, coverage was expanded to include workers' dependents and from 1961 to 1975, a series of expansions extended coverage for primary care and outpatient and inpatient specialized services to people in rural areas, the low-income population, and certain vulnerable populations. Further expansions during the late 1970s extended insurance coverage to farmers, peasants, and independent contract workers. Additionally, CCSS mandates free health service provision to mothers, children, indigenous people, the elderly, and people living with disabilities, regardless of insurance coverage. By 2000, 82 percent of the population was eligible for CCSS, which has continued to expand in the ensuing period. By covering all population groups through the same system, Costa Rica has avoided social insurance stratification and inequity common in many other countries in the region.[151]

CCSS is funded by a 15 percent payroll tax, as well as payments from retiree pensions [6]. Taxes on luxury goods, alcohol, soda, and imported products also help to cover poor households who do otherwise pay into the system. All CCSS funds are merged into a single pool, which is managed by the central financial administration of CCSS. In 1973, the Ministry of Health decided to move away from direct service provision and adopt a steering role. Responsibility for the provision of most care was transferred to the CCSS, although the Ministry retained responsibility for disease control, food and drug regulation, environmental sanitation, child nutrition, and primary care for the poor. Through the CCSS, health care is now essentially free to nearly all Costa Ricans. Private health care is also widely available and INS offers private health insurance plans to supplement CCSS insurance.[152]

Cuba edit

The Cuban government operates a national health system and assumes fiscal and administrative responsibility for the health care of all its citizens. There are no private hospitals or clinics as all health services are government-run. All healthcare in Cuba is free to Cuban residents.[153] The present Minister for Public Health is Roberto Morales Ojeda. The Cuban government sends doctors and other medical personnel overseas as part of medical missions. These missions are mainly in Latin America, Africa, and Oceania and have had substantial positive impacts on the local populations served. Cuba also brings medical students and patients to Cuba for training and treatment respectively.

Mexico edit

Public health care became universal healthcare on January 1, 2020,[154] mandated by the new President Andrés Manuel López Obrador and approved by Congress. It is completely free for Mexican citizens who do not have health insurance. Mexico's new universal healthcare, administered by the Instituto de Salud para el Bienestar (Institute of Health for Welfare, INSABI), includes free consultations with family doctors and specialists, free medications, free surgeries, free dental and vision[citation needed]. As of 2020, public health care is provided to all Mexican citizens as guaranteed via Article 4 of the Constitution. Public care is now fully subsidized by the federal government. All Mexican citizens are eligible for subsidized health care regardless of their work status via a system of health care facilities operating under the federal Secretariat of Health (formerly the Secretaria de Salubridad y Asistencia, or SSA) agency.

Employed citizens and their dependents, however, are further eligible to use the health care program administered and operated by the Instituto Mexicano del Seguro Social (IMSS) (English: Mexican Social Security Institute). The IMSS health care program is a tripartite system funded equally by the employee, its private employer, and the federal government. The IMSS does not provide service to employees of the public sector. Employees in the public sector are serviced by the Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (ISSSTE) (English: Institute for Social Security and Services for State Workers), which attends to the health and social care needs of government employees. This includes local, state, and federal government employees. The government of the states in Mexico also provide health services independently of those services provided by the federal government programs. In most states, the state government has established free or subsidized healthcare for all their citizens.

In 2006, the Mexican government created the Health Insurance for a New Generation also known as "life insurance for babies".[155][156][157] On May 28, 2009, Universal Care Coverage for Pregnant Women was introduced.[158] In a 2020 expansion of health care coverage, all Mexicans are now covered.

Trinidad and Tobago edit

A universal health care system is used in Trinidad and Tobago and is the primary form of health care available in the country. It is used by the majority of the population seeking medical assistance, as it is free for all citizens. Responsibility for the provision of healthcare services in Trinidad and Tobago was devolved from the Ministry of Health to Regional Health Authorities under the Regional Health Authorities Act No. 5 in 1994.

United States edit

Between 2010 and 2019, the individual shared responsibility provision of the Affordable Care Act required Americans, with certain exemptions, to have private or public health insurance.[159] Otherwise, they were required to pay a fine.

South America edit

Argentina, Brazil, Chile and Colombia all provide some level of universal health coverage.

Argentina edit

Health care is provided through a combination of employer and labor union-sponsored plans (Obras Sociales), government insurance plans, public hospitals and clinics and through private health insurance plans. It costs almost 10% of GDP and is available to anyone regardless of ideology, beliefs, race or nationality.

Brazil edit

The universal health care system was adopted in Brazil in 1988 after the end of the military dictatorship. However, universal health care was available many years before, in some cities, once the 27th amendment to the 1969 Constitution imposed the duty of applying 6% of their income in healthcare on the municipalities.[160] The Brazilian universal health care is called SUS (Sistema Único de Saúde), which covers all treatments, surgeries and medications for all resident and non-resident individuals within Brazilian jurisdiction, regardless of ethnicity, nationality, or visa - including tourists, passengers in transit and refugees.

Chile edit

Health care in Chile is provided by the government (via public corporation FONASA, National Healthcare Fund) and by private insurers (via ISAPRE, Previsional Healthcare Institutions). All workers and pensioners are mandated to pay 7% of their income for health care insurance (the poorest pensioners are exempt from this payment but medications are expensive and pensioners have to pay). Workers who choose not to join an Isapre, are automatically covered by Fonasa. Fonasa also covers unemployed people receiving unemployment benefits, uninsured pregnant women, insured worker's dependant family, people with mental or physical disabilities and people who are considered poor or indigent.

Fonasa costs vary depending on income, disability or age. Attention at public health facilities via Fonasa is free for low-income earners, people with mental or physical disabilities and people over the age of 60. Others pay 10% or 20% of the costs, depending on income and the number of dependants. Fonasa beneficiaries may also seek attention in the private sector, for a designated fee.

Additionally, exist the GES Plan (Explicit Guarantees in Healthcare Plan), that consists of a defined number of high-morbility and mortality diseases (currently 85) that have special mandatory attention guarantees for all people, both Isapre and Fonasa affiliates, in relation to:

  • Access: Universal access to treatment if required. Individuals will be able to get attention from a provider near their place of residence.
  • Opportunity: Opportune waiting times, there is a maximum pre-established time limit to get initial and post-diagnosis attention.
  • Financial protection: Law-fixed maximum price with low copayments to providers (maximum copayment of 20% of the cost), the payment cannot be an obstacle to attention. The total cost must not exceed one monthly income for the family in a year.
  • Best possible quality of service: Attention only in accredited public or private Health centers, that follow technical requirement standards that will be established based on medical evidence.

The treatment protocols and number of diseases included are evaluated every 3 years by the authorities.

Colombia edit

In 1993 a reform transformed the health care system in Colombia, trying to provide a better, sustainable, health care system and to reach every Colombian citizen.

Peru edit

Peru does not currently have universal health care, as only about 80% of the population is insured.

On April 10, 2009, the Government of Peru published the Law on Health Insurance to enable all Peruvians to access quality health services, and contribute to regulating the financing and supervision of these services. The law enables all population to access diverse health services to prevent illnesses, and promote and rehabilitate people, under a Health Basic Plan (PEAS).[161][162]

On April 2, 2010, President Alan Garcia Perez signed a supreme ordinance approving the regulations for the framework law on Universal Health Insurance, which seeks to provide access to quality health care for all Peruvian citizens.

Peru's Universal Health Insurance law aims to increase access to timely and quality health care services, emphasizes maternal and child health promotion, and provides the poor with protection from financial ruin due to illness.[163]

The regulation states that membership of the Universal Health Insurance (AUS for its Spanish acronym) is compulsory for the entire population living in the country. To that end, the Ministry of Health will approve, by supreme ordinance, the mechanisms leading to compulsory membership, as well as escalation and implementation.[164]

Suriname edit

The National Basic Health Insurance Law, introduced in 2014, provides access to a basic package of primary, secondary, and tertiary care services for citizens. It repeals the Healthcare Tariffs Law from 2005.

Oceania edit

Australia and New Zealand both have universal health care. Hospitalisation is free for permanent residents in both nations. In addition, Australia grants primary care coverage, while in New Zealand general practice and prescriptions are subsidised only.

Australia edit

In Australia, Medibank—as it was then known—was introduced, by the Whitlam Labor government on July 1, 1975, through the Health Insurance Act 1973. The Australian Senate rejected the changes multiple times and they were passed only after a joint sitting after the 1974 double dissolution election. However, Medibank was supported by the subsequent Fraser Coalition (Australia) government and became a key feature of Australia's public policy landscape. The exact structure of Medibank/Medicare, in terms of the size of the rebate to doctors and hospitals and the way it has administered, has varied over the years. The original Medibank program proposed a 1.35% levy (with low-income exemptions) but these bills were rejected by the Senate, so Medibank was funded from general taxation. In 1976, the Fraser Government introduced a 2.5% levy and split Medibank in two: a universal scheme called Medibank Public and a government-owned private health insurance company, Medibank Private.

In 1984, Medibank Public was renamed Medicare by the Hawke Labor government, which also changed the funding model, to an income tax surcharge, known as the Medicare Levy, which was set at 1.5%, with exemptions for low-income earners.[165] The Howard Coalition government introduced an additional levy of 1.0%, known as the Medicare Levy Surcharge, for those on high annual incomes ($70,000) who do not have adequate levels of private hospital coverage.[166] This was part of an effort by the Coalition to encourage take-up of private health insurance. According to WHO, government funding covered 67.5% of Australia's health care expenditures in 2004; private sources covered the remaining 32.5% of expenditures.[41]

As of 2019, the Medicare levy is 2% of taxable income,[167] with a Medicare levy surcharge, for those on high income who do not have appropriate private patient hospital cover (1% for singles on $90,000 pa and families on $180,000 pa, rising to 1.5% for higher incomes).[168]

In addition to Medicare, there is a separate Pharmaceutical Benefits Scheme, funded by the federal government, which substantially subsidises a range of prescription medications.

New Zealand edit

As with Australia, New Zealand's healthcare system is funded through general taxation according to the Social Security Act 1938. However, aside from hospitalisation, there are user charges for prescriptions (introduced in February 1985, (this ended in mid 2023 when funded drugs became free under prescription)) and partial subsidisation of general practitioner visits with additional provision for those on low or modest incomes known as Community Service Cards (introduced on February 1, 1992) to target healthcare based on income.[169][170][171] These changes were part of broader controversial policies introduced by the Fourth National Government between 1991 and 1993 and effectively ended largely free provision of primary healthcare. According to the WHO, government sources covered 77.4% of New Zealand's health care costs in 2004; private expenditures covered the remaining 22.6%.

Historic attempts to bring general practitioner care into government ownership have been largely unfulfilled.

There are twenty district health boards as of 2019 whose task is ensuring the provision of health and disability services to populations within a defined geographical area and are partially elected while the remainder is appointed by New Zealand's Minister of Health.[172] This system of management came into being on January 1, 2001, abolishing the much controversial Crown Health Enterprises regime which had replaced Area Health Boards previously.

See also edit

References edit

  1. ^ Butticè, Claudio (2019). Universal Health Care. Santa Barbara, California: Greenwood Publishing Group. p. 20. ISBN 978-1-4408-6844-3.
  2. ^ Abelson, Reed; Sanger-Katz, Margot (March 23, 2019). "Medicare for All Would Abolish Private Insurance. 'There's No Precedent in American History.'". The New York Times.
  3. ^ "Algeria – Health And Welfare". Countrystudies.us. Retrieved November 14, 2011.
  4. ^ "Algeria Profile" (PDF).
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list, countries, with, universal, health, care, government, guaranteed, health, care, citizens, country, sometimes, called, universal, health, care, broad, concept, that, been, implemented, several, ways, common, denominator, such, programs, some, form, govern. Government guaranteed health care for all citizens of a country sometimes called universal health care is a broad concept that has been implemented in several ways The common denominator for all such programs is some form of government action aimed at broadly extending access to health care and setting minimum standards Most implement universal health care through legislation regulation and taxation Legislation and regulation direct what care must be provided to whom and on what basis The logistics of such health care systems vary by country Some programs are paid for entirely out of tax revenues In others tax revenues are used either to fund insurance for the very poor or for those needing long term chronic care In some cases such as the UK government involvement also includes directly managing the health care system but many countries use mixed public private systems to deliver universal health care Alternatively much of the provision of care can be contracted from the private sector as in the case of Canada and France In some instances such as in Italy and Spain both these realities may exist at the same time The government may provide universal health insurance in the form of a social insurance plan that is affordable by all citizens such as in the case of Germany and Taiwan although private insurance may provide supplemental coverage to the public health plan In twenty five European countries universal healthcare entails a government regulated network of private insurance companies 1 2 Contents 1 Africa 1 1 Algeria 1 2 Botswana 1 3 Burkina Faso 1 4 Mauritius 1 5 Morocco 1 6 Rwanda 1 7 Seychelles 1 8 Tunisia 2 Asia 2 1 Bhutan 2 2 China 2 3 Hong Kong 2 4 India 2 5 Indonesia 2 6 Israel 2 7 Japan 2 8 Kuwait 2 9 Macau 2 10 Malaysia 2 11 Maldives 2 12 Pakistan 2 13 Philippines 2 14 Saudi Arabia 2 15 Singapore 2 16 South Korea 2 17 North Korea 2 18 Sri Lanka 2 19 Taiwan 2 20 Thailand 2 21 United Arab Emirates 3 Europe 3 1 Armenia 3 2 Austria 3 3 Belgium 3 4 Bulgaria 3 5 Croatia 3 6 Cyprus 3 7 Czech Republic 3 8 Denmark 3 9 Estonia 3 10 Finland 3 11 France 3 12 Georgia 3 13 Germany 3 14 Greece 3 15 Iceland 3 16 Ireland 3 17 Italy 3 18 Latvia 3 19 Lithuania 3 20 Luxembourg 3 21 Netherlands 3 22 Norway 3 23 North Macedonia 3 24 Portugal 3 25 Romania 3 26 Russia 3 27 Serbia 3 28 Spain 3 29 Sweden 3 30 Switzerland 3 31 Turkey 3 32 United Kingdom 3 32 1 England 3 32 2 Northern Ireland 3 32 3 Scotland 3 32 4 Wales 3 32 5 Crown dependencies 3 32 5 1 Isle of Man 3 32 5 2 Guernsey Jersey 4 North America 4 1 Bahamas 4 2 Canada 4 3 Costa Rica 4 4 Cuba 4 5 Mexico 4 6 Trinidad and Tobago 4 7 United States 5 South America 5 1 Argentina 5 2 Brazil 5 3 Chile 5 4 Colombia 5 5 Peru 5 6 Suriname 6 Oceania 6 1 Australia 6 2 New Zealand 7 See also 8 ReferencesAfrica editAlgeria edit Main article Health in Algeria Algeria operates a public healthcare system It is a universal healthcare system as well A network of hospitals clinics and dispensaries provide treatment to the population with the Social Security system funding health services although many people must still cover part of their costs due to the rates paid by the Social Security system remaining unchanged since 1987 The poor are generally entitled to taxpayer funded health services while the wealthy pay for treatment according to a sliding scale 3 4 Botswana edit Main article Health in Botswana Botswana established a free healthcare system that operates a system of public medical centers with 98 of health facilities in the country run by the government citation needed All citizens are entitled to be treated in taxpayer funded facilities though a nominal fee of 70 BWP US 6 60 is typically charged for public health services except for sexual reproductive health services and antiretroviral therapy services which are free 5 Burkina Faso edit Main article Health in Burkina Faso Burkina Faso provides universal healthcare to citizens through a system called Universal Health Insurance AMU administered by two bodies one for civilians and the other for the armed forces 6 Mauritius edit Main article Health in Mauritius The Government of Mauritius operates a system of medical facilities that provide treatment to citizens free of charge 7 Morocco edit Main article Health in Morocco Morocco does not have universal health care It is currently building a system which was slated to cover the entire population by the end of 2022 8 The country operates a public health sector run by the government that operates 85 of the country s hospital beds It deals mainly with the poor and rural populations who cannot afford private healthcare In addition a non profit health sector operated by the National Social Security Fund covers 16 of the population Private medical care is available for those who can afford it 9 Rwanda edit Main article Healthcare in Rwanda Rwanda operates a system of universal health insurance through the Ministry of Health called Mutuelle de Sante Mutual Health a system of community based insurance where people pay premiums based on their income level into local health insurance funds with the wealthiest paying the highest premiums and required to cover a small percentage of their medical expenses while those at the lowest income levels are exempt from paying premiums and can still utilize the services of their local health fund In 2012 this system insured all but 4 of the population 10 Seychelles edit Main article Health in Seychelles The government of Seychelles operates a system of medical facilities that provide treatment to citizens free of charge Tunisia edit Main article Health in Tunisia Tunisia operates a public healthcare system under the National Health Insurance Fund Caisse Nationale d Assurance Maladie All Tunisian citizens and residents can receive treatment in state run hospitals and clinics for a very low co pay while people with the lowest income are able to apply for an exemption from co pays 11 Asia editBhutan edit Main article Health in Bhutan The Royal Government of Bhutan maintains a policy of free and universal access to primary health care As hospital facilities in the country are limited patients with diseases that cannot be treated in Bhutan such as cancer are normally referred to hospitals in India for treatment Such referral treatment is also carried out at the cost of the Royal Government 12 China edit Main article Healthcare reform in China As of 2017 more than 97 of people in China are covered by one of three categories of public health insurance From most generous to least generous they are the Urban Employee Basic Medical Insurance UEBMI 职工医保 Urban Resident Basic Medical Insurance URBMI 居民医保 New Cooperative Medical Service NCMS 新农合 The UEBMI is funded by 6 12 by employers and 2 by employees the URBMI entirely by local governments and it covers students the unemployed and the retired and the NCMS by the central government In 2016 the government announced plans to merge NCMS with URBMI China also has five private health insurance companies for supplementary care the three largest are Ping An PICC and China Life 13 For the public plans the list of covered procedures is limited and copayment is common The proportion of out of pocket costs depends on profession and location for example workers in urban Shanghai might have 85 of their medical costs covered up to 740 000 while workers in rural Guiyang are reimbursed for 65 of their medical costs up to 29 000 annually 14 Immediately after the Chinese Communist Revolution in 1949 the state both directly operated all hospitals and clinics The government paid for healthcare services and life expectancy improved greatly although the services provided were basic State provided health insurance varied by area the Cooperative Medical System CMS covered rural areas while the Government Insurance Scheme GIS and Labor Insurance Scheme LIS covered residents of urban areas 15 After the Chinese economic reform in 1978 the state reduced spending on hospitals and allowed them to charge patients for profit The state however did not stop paying for certain healthcare services like mandatory vaccination 14 From the high point of privatization of healthcare in the 1990s 15 China has been reforming with universal health care as a goal in the 21st century as part of the moderately prosperous society plan The New Rural Co operative Medical Care System NRCMCS from 2005 aimed at the rural poor sets the annual cost of medical coverage at 50 yuan US 7 per person As of September 2007 around 80 of the whole rural population of China had signed up about 685 million people For patients who go to a small hospital or clinic in their local town the scheme covers from 70 to 80 of their bill patients at a county provider get 60 of their cost covered and in a large modern city hospital the scheme covers about 30 of the bill 16 At the end of 2008 the government published its reform plan clarifying government s responsibility by saying that it would play a dominant role in providing public health and basic medical service The plan listed public health rural areas city community health services and basic medical insurance as four key areas for government investment It also promised to tighten government control over medical fees in public hospitals and to set up a basic medicine system to cover drug costs 17 18 China s Law on Promotion of Basic Medical and Health Care effective June 2020 asserts that Chinese citizens have a positive right to healthcare regardless of cost Additional laws are expected to specify what this right will mean in practice citation needed Hong Kong edit Main article Health in Hong Kong Hong Kong has early health education professional health services and well developed health care and medication system The life expectancy is 84 for females and 78 for males 19 which is the second highest in the world and 2 94 infant mortality rate the fourth lowest in the world 20 21 There are two medical schools in Hong Kong and several schools offering courses in traditional Chinese medicine The Hospital Authority is a statutory body that operates and manages all public hospitals Hong Kong has high standards of medical practice It has contributed to the development of liver transplantation being the first in the world to carry out an adult to adult live donor liver transplant in 1993 22 India edit Main article Healthcare in India At the federal level a national health insurance program was launched in 2018 by the Government of India called Ayushman Bharat This aimed to cover the bottom 50 500 million people of the country s population working in the unorganized sector enterprises having less than 10 employees and offers them free treatment at both public and private hospitals 23 For people working in the organized sector enterprises with more than 10 employees and earning a monthly salary of up to Rs 21000 are covered by the social insurance scheme of Employees State Insurance which entirely funds their healthcare along with pension and unemployment benefits both in public and private hospitals 24 25 People earning more than that amount are provided health insurance coverage by their employers through the many public or private insurance companies As of 2020 300 million Indians are covered by insurance bought from one of the public or private insurance companies by their employers as group or individual plans 26 Unemployed people without coverage are covered by the various state insurance schemes if they do not have the means to pay for it 27 In 2019 the total net government spending on healthcare was 36 billion or 1 23 of its GDP 28 An outpatient card at AIIMS costs a one time fee of 10 rupees around 20 cents U S and thereafter outpatient medical advice is free In hospital treatment costs is extremely minimal and depends on the financial condition of the patient and the facilities utilized but are usually much less than in the private sector For instance a patient is waived treatment costs if their income is below the poverty line However getting treatment at high quality government hospitals is very tough due to the high number of people needing healthcare and the lack of sufficient facilities Primary health care is provided by city and district hospitals and rural primary health centres PHCs These hospitals provide treatment free of cost Primary care is focused on immunization prevention of malnutrition pregnancy child birth postnatal care and treatment of common illnesses 29 Patients who receive specialized care or have complicated illnesses are referred to secondary often located in district and taluk headquarters and tertiary care hospitals located in district and state headquarters or those that are teaching hospitals citation needed In urban cities and towns like Delhi there are neighbourhood health clinics called Mohalla Clinics which offer completely free treatment testing and drugs 30 The Indian government has launched Ayushyaman Bharat Yojana AB NHPM which will provide all Indian citizens with insurance coverage for serious illnesses and free drugs and diagnostic treatments 31 Indonesia edit Main article Healthcare in Indonesia Indonesia is currently building a universal healthcare system with its Jaminan Kesehatan Nasional JKN scheme managed by BPJS Kesehatan which covers a range of treatments from public providers as well as private providers that opt to participate The scheme is funded by premiums from the employed The formally employed pay a premium worth 5 of their salary with 1 paid by the employee and 4 paid by the employer while informal workers and the self employed must pay a fixed monthly premium As of April 2018 75 of the population was covered by JKN 32 While the country has a number of government owned hospitals about 63 are privately owned 33 Indonesia also operates a three tier community health system The Ministry of Health oversees a network of Puskesmas or community health centers followed by health sub centers and village level integrated posts 34 Israel edit Main article Healthcare in Israel nbsp Health care in Israel as a percentage of GDPIsrael has a system of universal healthcare as set out by the 1995 National Health Insurance Law The state is responsible for providing health services to all residents of the country who can register with one of the four national health service funds To be eligible a citizen must pay a health insurance tax Coverage includes medical diagnosis and treatment preventive medicine hospitalization general maternity psychiatric and chronic surgery and transplants preventive dental care for children first aid and transportation to a hospital or clinic medical services at the workplace treatment for drug abuse and alcoholism medical equipment and appliances obstetrics and fertility treatment medication treatment of chronic diseases and paramedical services such as physiotherapy and occupational therapy 35 In Israel the National Health Insurance Law is the legal framework that enables and facilitates basic compulsory universal health care Promoted by health minister Haim Ramon in the early 1990s 36 the Knesset put the law into effect on January 1 1995 basing it on recommendations from a National Committee of Inquiry headed by Shoshana Netanyahu which examined restructuring the health care system in Israel in the late 1980s Prior to the law s passage over 90 of the population was already covered by voluntarily belonging to one of four nationwide not for profit sickness funds These operated some of their own medical facilities funded in part by employers and the government and in part by the insured via levies that varied according to income However there were three problems associated with this arrangement First membership in the largest fund Clalit required one to belong to the Histadrut labor organization even if a person did not want to or could not have such an affiliation and other funds restricted entry to new members based on age pre existing conditions or other factors Second different funds provided different levels of benefit coverage or services to their members Lastly some of the population albeit a small percentage had no health insurance Before the law went into effect all the funds collected premiums directly from members However upon passage of the law a new progressive national health insurance tax was levied through Bituah Leumi Israel s social security agency which then re distributes the proceeds to the sickness funds based on their membership and its demographic makeup This ensured that all citizens would now have health coverage While membership in one of the funds now became compulsory for all free choice was introduced into movement of members between funds a change is allowed once every six months effectively making the various sickness funds compete equally for members among the populace Annually a committee appointed by the ministry of health publishes a basket or uniform package of medical services and prescription formulary that all funds must provide as a minimum to all members Achieving this level of equality guaranteed basic healthcare regardless of fund affiliation which was one of the principal aims of the law An appeals process handles rejection of treatments and procedures by the funds and evaluates cases that fall outside the basket of services or prescription formulary The law is generally considered a success and Israeli citizens enjoy a high standard of medical care comparatively with more competition in the country s health care and with order having brought to what was once a somewhat disorganized system the law nevertheless has its critics First among the criticisms is that the basket may not provide enough coverage To partly address this the health funds began offering supplementary insurance to cover certain additional services not in the basket However since this insurance is optional though rather modestly priced costing the equivalent of about US 10 to 35 a month depending on age and coverage for an adult in 2019 critics argue that it goes against the spirit of the new law which stressed equality of healthcare for all citizens Another criticism is that to provide universal coverage to all the tax income base amount the maximum amount of yearly earnings that are subject to the tax was set rather high causing many high income taxpayers to see the amount they pay for their health premiums now health tax skyrocket Finally some complain about the constantly rising costs of copayments for certain services Japan edit Main article Health care system in Japan All residents of Japan are required by the law to have health insurance coverage People without insurance from employers can participate in a national health insurance programme administered by local governments Patients are free to select physicians or facilities of their choice and cannot be denied coverage Hospitals by law must be run as non profit and be managed by physicians Kuwait edit Main article Healthcare in Kuwait Kuwait offers universal healthcare Macau edit Main article Healthcare in Macau Macau offers universally accessible single payer system funded by taxes Health care is provided by the Health Bureau Malaysia edit Main article Health in Malaysia Malaysia has achieved universal health coverage It has made remarkable progress in improving health outcomes over the past seven decades At the time of Independence the number of infant deaths was 75 5 per 1 000 live births This has since fallen by more than 90 percent to 6 7 deaths per 1 000 live births in 2016 Maternal mortality which refers to the death of a woman caused by her pregnancy during and after delivery has also decreased by 89 between 1963 and 2013 37 Maldives edit Main article Health in Maldives Aasandha is the national healthcare insurance scheme of the Maldives It provides taxpayer funded medical assistance to all Maldivian citizens National Social Protection Agency of Maldives was formed under the National Social Health Insurance Act on August 27 2008 It is mandated to administer the National Social Health Insurance Scheme and by an executive order under the same act mandated to conduct social protection programs identified by the government of Maldives NSPA is also the responsible agency to regulate and conduct Social Protection programs under the Social Protection Act Pakistan edit Main article Health in Pakistan Some of Pakistan s provinces have universal healthcare coverage The Government of Khyber Pakhtunkhwa launched a universal health insurance programme known as the Sehat Insaf Card to provide free healthcare for the residence of KPK where families would be covered up to Rs 10 lakh US 3 500 for treatment 38 This was further expanded to the Punjab province of Pakistan in December 2021 to cover more than 31 million families Prime Minister Imran Khan announced that an additional Rs 440 billion US 1 5 billion would be spent to cover the entire province 39 Philippines edit Main article Health in Philippines Filipinos are covered under the National Health Insurance Program NHIP of the Philippine government owned Philippine Health Insurance Corporation or PhilHealth Under the Universal Health Care Law of 2019 all Filipinos were automatically enrolled in the NHIP 40 Saudi Arabia edit Main article Health in Saudi Arabia The Government of Saudi Arabia provides free universal health coverage for all citizens Non citizens are required by law to have private insurance paid for by their employer Singapore edit Main article Healthcare in Singapore Singapore has a universal health care system where government ensures affordability largely through compulsory savings and price controls while the private sector provides most care Overall spending on health care amounts to only 3 of annual GDP Of that 66 comes from private sources 41 Singapore currently has the second lowest infant mortality rate in the world and among the highest life expectancies from birth according to the World Health Organization 42 Singapore has one of the most successful healthcare systems in the world in terms of both efficiency in financing and the results achieved in community health outcomes according to an analysis by global consulting firm Watson Wyatt 43 Singapore s system uses a combination of compulsory savings from payroll deductions funded by both employers and workers a nationalized health insurance plan and government subsidies as well as actively regulating the supply and prices of healthcare services in the country to keep costs in check the specific features have been described as potentially a very difficult system to replicate in many other countries Many Singaporeans also have supplemental private health insurance often provided by employers for services not covered by the government s programs 43 South Korea edit Main article Healthcare in South Korea South Koreans have access to a universal healthcare safety net although a significant portion of healthcare is privately funded North Korea edit Main article Health in North Korea North Korea claims to provide universal health care with a national medical service and health insurance system 44 It claims that health services are offered for free 44 7 8 However this claim has been contrasted by North Korean defectors who claim that patients must in fact pay for health services that the upper classes have access to a higher standard of healthcare than ordinary ones do and that how much money a patient has determines whether they live or die 45 Sri Lanka edit Main article Healthcare in Sri Lanka Sri Lanka provides free universal healthcare to their citizens 46 Taiwan edit Main article Healthcare in Taiwan The current health care system in Taiwan known as National Health Insurance NHI was instituted in 1995 NHI is a single payer compulsory social insurance plan that centralizes the disbursement of health care dollars The system promises equal access to health care for all citizens and the population coverage had reached 99 by the end of 2004 47 NHI is mainly financed through premiums based on the payroll tax and is supplemented with out of pocket payments and direct government funding In the initial stage fee for service predominated for both public and private providers citation needed NHI delivers universal coverage offered by a government run insurer The working population pays premiums split with their employers others pay a flat rate with government help and the poor or veterans are fully subsidized 48 Under this model citizens have free range to choose hospitals and physicians without using a gatekeeper and do not have to worry about waiting lists NHI offers a comprehensive benefit package that covers preventive medical services prescription drugs dental services Chinese medicine home nurse visits and many more Since NHI the previously uninsured have increased their usage of medical services Most preventive services are free such as annual checkups and maternal and child care Regular office visits have co payments as low as US 5 per visit Co payments are fixed and unvaried by the person s income 49 Thailand edit Main article Healthcare in Thailand Thailand introduced universal coverage reforms in 2001 becoming one of only a handful of lower middle income countries to do so at the time Means tested health care for low income households was replaced by a new and more comprehensive insurance scheme originally known as the 30 baht project in line with the small co payment charged for treatment People joining the scheme receive a gold card that they use to access services in their health district and if necessary get referrals for specialist treatment elsewhere The bulk of finance comes from public revenues with funding allocated to Contracting Units for Primary Care annually on a population basis According to the WHO 65 of Thailand s health care expenditure in 2004 came from the government and 35 was from private sources 41 Although the reforms have received a good deal of critical comment they have proved popular with poorer Thais especially in rural areas and survived the change of government after the 2006 military coup The then Public Health Minister Mongkol Na Songkhla abolished the 30 baht co payment and made the UC scheme free It is not yet clear whether the scheme will be modified further under the coalition government that came to power in January 2008 50 51 52 In 2016 Thailand became the first country in Asia to eliminate HIV transmission from mother to child owing to its robust public healthcare system 53 United Arab Emirates edit Main article Healthcare in the United Arab Emirates The United Arab Emirates has enacted federal legislation that requires universal healthcare nationals and mandatory health insurance for expatriates but this legislation has not yet been implemented across the entire country 54 Europe editMain article Healthcare in Europe Almost all European countries have healthcare available for all citizens Most European countries have systems of competing private health insurance companies along with government regulation and subsidies for citizens who cannot afford health insurance premiums 55 Countries with universal healthcare include Austria Belarus 56 Croatia Czech Republic Denmark Finland France Germany Greece Iceland Italy Latvia Lithuania Luxembourg Macedonia Malta Moldova 57 Norway Poland Portugal 58 Romania Russia Serbia Spain Sweden Switzerland Ukraine 59 and the United Kingdom 60 Armenia edit Main article Healthcare in Armenia Armenia operates a mandatory social health insurance system The majority of the population is enrolled in the Compulsory Health Insurance Fund which is funded through payroll taxes and contributions from employers and employees Austria edit Main article Healthcare in Austria Healthcare in Austria is universal for residents of Austria as well as those from other EU countries 61 Austria has a two tier payment system in which many individuals receive basic publicly funded care they also have the option to purchase supplementary private health insurance Belgium edit Main article Healthcare in Belgium Healthcare in Belgium is composed of three parts Firstly there is a primarily publicly funded healthcare and social security service run by the federal government which organises and regulates healthcare independent private public practitioners university semi private hospitals and care institutions There are a few commercially run for profit private hospitals 62 Secondly is the insurance coverage provided for patients Finally industry coverage covers the production and distribution of healthcare products for research and development The primary aspect of this research is done in universities and hospitals Bulgaria edit Main article Health in Bulgaria Healthcare in Bulgaria is mixed Some services are private like dental care and some services are run publicly by NHIF 63 Because 15 of the population is uninsured and cannot access most health services it does not currently qualify as having universal healthcare 64 Croatia edit Main article Healthcare in Croatia Croatia has a universal health care system that provides medical services and is coordinated by the Ministry of Health The population is covered by a basic health insurance plan provided by statute and by optional insurance It is administered by the Croatian Health Insurance Fund In 2012 annual compulsory healthcare related expenditures reached 21 0 billion kunas c 2 8 billion euro There are hundreds of healthcare institutions in Croatia including 79 hospitals and clinics with 25 285 beds caring for more than 760 thousand patients per year 5 792 private practice offices and 79 emergency medical service units Cyprus edit Main article Health care in Cyprus A universal national health system known as GESY was implemented in Cyprus in June 2019 The new system aims to provide affordable and effective medical care to all people residing permanently in Cyprus As of June 2022 917 000 Cypriots have registered 5 clarification needed with a general practitioner through the GESY system which is roughly the current population of the Republic of Cyprus Czech Republic edit Main article Healthcare in the Czech Republic Czech Republic has a universal public health system paid largely from taxation Private health care systems do co exist freely alongside public ones sometimes offering better quality or faster service Almost all medical services are covered by health insurance and insurance companies though certain services such as prescription drugs or vision and dental care are only covered partially Denmark edit Main article Health care in Denmark Denmark has a universal public health system paid largely from taxation with local municipalities delivering health care services in the same way as other Scandinavian countries Primary care is provided by a general practitioner service run by private doctors contracting with the local regions with payment on a mixed per capita and fee for service basis Most hospitals are run by the regions only 1 of hospital beds are in the private sector Estonia edit Main article Healthcare in Estonia Estonia s health care system is based on compulsory insurance based on solidarity funding and on universal access to services provided by private service providers Finland edit Main article Healthcare in Finland In Finland public medical services at clinics and hospitals are run by the municipalities local government and are funded 76 by taxation 20 by patients through access charges and 4 by others Private provision is mainly in the primary care sector There are a few private hospitals 65 The main hospitals are either municipally owned funded from local taxes or run by the medical teaching universities funded jointly by the municipalities and the national government According to a survey published by the European Commission in 2000 Finland s is in the top 4 of EU countries in terms of satisfaction with their hospital care system 88 of Finnish respondents were satisfied compared with the EU average of 41 3 66 Finnish health care expenditures are below the European average 67 The private medical sector accounts for about 14 percent of total health care spending Only 8 of doctors choose to work in private practice and some of these also choose to do some work in the public sector citation needed Taxation funding is partly local and partly nationally based The national social insurance institution KELA reimburses part of patients prescription costs and makes a contribution towards private medical costs including dentistry if they choose to be treated in the private sector rather than the public sector Patient access charges are subject to annual caps For example GP visits cost 11 per visit with annual 33 cap hospital outpatient treatment 22 per visit a hospital stay including food medical care and medicines 26 per 24 hours or 12 if in a psychiatric hospital After a patient has spent 683 per year on public medical services all further treatment in that year is covered although the required initial deductible is reviewed annually so it may vary There is a separate reimbursement system for prescribed medicine after paying 578 per year the remaining bought medicine will have a maximum price of 2 50 per purchase 68 Finland has a highly decentralized three level public system of health care and alongside this a much smaller private health care system 69 Overall the municipalities funded by taxation local and national meet about two thirds of all medical care costs with the remaining one third paid by the national insurance system nationally funded and by private finance either employer funded or met by patients themselves 69 Private inpatient care forms about 3 4 of all inpatient care 69 In 1999 only 17 per cent of total funding for health care came from insurance comprising 14 9 statutory government insurance and 2 1 private health insurance Eyeglasses are not publicly subsidized at all although dentistry is available as a municipal service or can be obtained privately with partial reimbursement from the state 69 The percentage of total health expenditure financed by taxation in Finland 78 70 is above the OECD average and similar to the levels seen in Germany 77 and France 80 but below the level seen in the UK 87 The quality of service in Finnish health care as measured by patient satisfaction is excellent According to a survey published by the European Commission in 2000 Finland has one of the highest ratings of patient satisfaction with their hospital care system in the EU 88 of Finnish respondents were satisfied compared with the EU average of 41 3 71 There are caps on total medical expenses that are met out of pocket for drugs and hospital treatments The National Insurance system pays all necessary costs over these caps Public spending on health care in 2006 was 13 6 billion euros equivalent to US 338 per person per month The increase over 2005 at 8 2 per cent was below the OECD average of 9 percent Household budgets directly met 18 7 per cent of all health care costs 72 France edit Main article Health care in France France has a system of health care largely financed by government through a system of national health insurance Nonetheless not all medical care is paid for by the state with only 70 of initial GP care covered and anywhere between 35 and 100 of prescription medication covered It is consistently ranked as one of the best in the world 73 Georgia edit Main article Healthcare in Georgia country In 2013 Georgia adopted a universal health care system Healthcare in Georgia is provided by a universal health care system under which the state funds medical treatment in a mainly privatized system of medical facilities In 2013 the enactment of a universal health care program triggered universal coverage of government sponsored medical care of the population and improving access to health care services Responsibility for purchasing publicly financed health services lies with the Social Service Agency SSA 74 75 However according to the UN due to the high out of pocket costs that patients incur Georgia has not yet achieved universal healthcare 76 Germany edit Main article Health care in Germany nbsp The Charite Hospital in BerlinGermany has the world s oldest national social health insurance system 77 78 79 with origins dating back to Otto von Bismarck s Sickness Insurance Law of 1883 80 81 The system is decentralized with private practice physicians providing ambulatory care and independent mostly non profit hospitals providing the majority of inpatient care Employers pay for half of their employees health insurance contributions while self employed workers pay the entire contribution themselves 82 Approximately 90 of the population is covered by a statutory health insurance plan which provides a standardized level of coverage through any one of approximately 100 public sickness funds 82 83 The rest are covered by private health insurance Private health insurance is only accessible to self employed workers high income employees and Beamte The contributions for public insurance is determined according to income while the contributions for private health insurance are determined according to age and health condition 82 Purchasing basic health insurance is mandatory for all persons residing in Germany if not employed Historically the level of provider reimbursement for specific services is determined through negotiations between regional physician s associations and sickness funds Since 1976 the government has convened an annual commission composed of representatives of business labor physicians hospitals and insurance and pharmaceutical industries 84 The commission takes into account government policies and makes recommendations to regional associations with respect to overall expenditure targets In 1986 expenditure caps were implemented and were tied to the age of the local population as well as the overall wage increases Although reimbursement of providers is on a fee for service basis the amount to be reimbursed for each service is determined retrospectively to ensure that spending targets are not exceeded Capitated care such as that provided by U S health maintenance organizations has been considered as a cost containment mechanism but would require consent of regional medical associations and has not materialized 85 Copayments were introduced in the 1980s in an attempt to prevent overutilization and control costs The average length of hospital stay in Germany has decreased in recent years from 14 days to 9 days still considerably longer than average stays in the U S 5 to 6 days 86 87 The difference is partly driven by the fact that hospital reimbursement is chiefly a function of the number of hospital days as opposed to procedures or the patient s diagnosis Drug costs have increased substantially rising nearly 60 from 1991 through 2005 Despite attempts to contain costs overall health care expenditures rose to 10 7 of GDP in 2005 comparable to other western European nations but substantially less than that spent in the U S nearly 16 of GDP 88 Greece edit Main article Healthcare in Greece The Greek healthcare system provides high quality medical services to insured citizens and is coordinated by the Ministry for Health and Social Solidarity Public health services are provided by the National Healthcare Service or ESY Greek E8niko Systhma Ygeias ESY In 2010 there were 35 000 hospital beds and 131 hospitals in the country The Greek healthcare system has received high rankings by the World Health Organization ranked 14th in the overall assessment and 11th in quality of service in a 2000 report by the WHO However it must be noted that the entire financial system collapsed in 2007 2008 The data listed above is from 2000 Iceland edit Main article Healthcare in Iceland Iceland has a universal public health system paid largely from taxation with local municipalities delivering health care services in the same way as the Scandinavian countries Iceland s entire population has equal access to health care services citation needed 89 Ireland edit Main article Healthcare in the Republic of Ireland The public health care system in Ireland is governed by the Health Act 2004 90 which established a new body to be responsible for providing health and personal social services to everyone living in Ireland the Health Service Executive The new national health service came into being officially on January 1 2005 however the new structures are currently when in the process of being established as the reform program continues citation needed In addition to the public sector there is a large private health care market In Ireland 37 of the population have a means tested medical card that gives the holder access to tax funded GP care and requires 2 00 for each prescription drug 91 The standard charge for Irish and EU citizens who attend the A amp E in hospitals is 100 This is free of charge if referred by a GP 92 For all other residents who do not have a medical card the average price for an appointment with a family doctor GP is 50 or 70 for an emergency appointment with a Caredoc GP 93 Ireland is currently in the process of establishing a universal healthcare system based on compulsory private health insurance with competition managed by the government These reforms are known as Slaintecare and are scheduled to be completed by 2030 94 Italy edit Main article Healthcare in Italy Italy has a public health care service for all the residents called Servizio Sanitario Nazionale or SSN National Health Service It is publicly run and funded mostly by taxation Some services require variable co pays while other services such as emergency medicine and a general doctor are free There is also a small parallel private health care system especially in the field of dentistry and optometry Latvia edit Main article Healthcare in Latvia Healthcare in Latvia is universal for citizens of Latvia The healthcare system in Latvia operates as a universal program that is primarily funded through government taxation 95 It bears similarities to the National Health Service NHS in UK and employs a purchaser provider split PPS Following several reforms a National Health Service NHS type system known as Nacionalais veselibas dienests NVD in Latvian was established in 2011 96 The NVD controls the implementation of healthcare policies while the Ministry of Health develops policies and oversees the system Healthcare services are available for free for citizens of Latvia The country s Ministry of Health manages its healthcare system through a combination of social insurance institutional body legislative healthcare provision financed by taxes and numerous public and private providers 97 Despite near universal population coverage provided by the NVD established in 2011 there are challenges to equitable access with issues around geographical distribution of health professionals user charges and long waiting lists The publicly funded health benefits package is limited in scope and only covers a predetermined set of services 98 99 Lithuania edit Main article Healthcare in Lithuania The public healthcare system in Lithuania ensures free healthcare for almost all its citizens This state funded healthcare is available to long term residents and expats too Luxembourg edit Main article Healthcare in Luxembourg Luxembourg provides universal health care coverage to all residents Luxembourgers and foreigners by the National Health Insurance CNS Caisse nationale de sante French or National Gesondheetskeess Luxembourgish It is funded by mandatory contributions of employers and the workforce and by government subsidies for insuring jobseekers the poor and for financing medical infrastructure The nation also has mandatory public long term care insurance 100 101 Netherlands edit Main articles Healthcare in the Netherlands and Economic interventionism Market driven medical welfare state The Netherlands has a dual level system All primary and curative care family doctors hospitals and clinics is financed from private compulsory insurance Long term care for the elderly the dying the long term mentally ill etc is covered by social insurance funded by public spending According to the WHO the health care system in the Netherlands was 62 government funded and 38 privately funded as of 2004 41 Insurance companies must offer a core universal insurance package for universal primary curative care including the cost of all prescription medicines They must do this at a fixed price for all People pay the same premium whether young or old healthy or sick It is illegal in The Netherlands for insurers to refuse an application for health insurance to impose special conditions e g exclusions deductibles co pays etc or refuse to fund treatments that a doctor has determined are medically necessary The system is 50 financed from payroll taxes paid by employers to a fund controlled by the Health regulator The government contributes an additional 5 to the regulator s fund The remaining 45 is collected as premiums paid by the insured directly to the insurance company Some employers negotiate bulk deals with health insurers and some even pay the employees premiums as an employment benefit The regulator has sight of the claims made by policyholders and therefore can redistribute the funds its holds on the basis of relative claims made by policy holders Thus insurers with high payouts receive more from the regulator than those with low payouts Insurance companies have no incentive to deter high cost individuals from taking insurance and are compensated if they have to pay out more than might be expected Insurance companies compete with each other on price for the 45 direct premium part of the funding and try to negotiate deals with hospitals to keep costs low The competition regulator is charged with checking for abuse of dominant market positions and the creation of cartels that act against consumer interests An insurance regulator ensures that all basic policies have identical coverage rules so that no person is medically disadvantaged by his or her choice of insurer Hospitals in the Netherlands are also regulated and inspected but are mostly privately run and not for profit as are many of the insurance companies Patients can choose where they want to be treated and have access to information on the internet about the performance and waiting times at each hospital Patients dissatisfied with their insurer and choice of hospital can cancel at any time but must make a new agreement with another insurer Insurance companies can offer additional services at an extra cost over and above the universal system laid down by the regulator e g for dental care The standard monthly premium for health care paid by individual adults is about 100 per month Persons with low incomes can get assistance from the government if they cannot afford these payments Children under 18 are insured by the system at no additional cost to them or their families because the insurance company receives the cost of this from the regulator s fund There is a fixed yearly deductible of 385 for each adult person excluding first visits for diagnosis to general physicians Norway edit Main article Healthcare in Norway Norway has a universal public health system paid largely from taxation in the same way as other Scandinavian countries The Norwegian health care system is government funded and heavily decentralized The health care system in Norway is financed primarily through taxes levied by county councils and municipalities Dental care is included for children until 18 years old and is covered for adults for some ailments 102 Norway regularly comes top or close to the top of worldwide healthcare rankings North Macedonia edit Main article Health in North Macedonia The country inherited a large health infrastructure after independence in 1991 with good well distributed public health services Private hospitals were opened and primary care was privatised Subsequently both public and private providers have been integrated into one social insurance funded model managed by the Health Insurance Fund of North Macedonia The public hospital sector is seen as inefficient and is unpopular with both patients and professional staff 90 of the population is within 30 minutes of a health service Expenditure on healthcare was 851 per head in 2014 6 5 of GDP According to the Euro health consumer index the Macedonian health system made the most remarkable advance of any country in the history of their Index from 27th to 16th place in 2014 because by implementing a real time e Booking system they reduced waiting lists so significantly From July 2013 any GP can make a booking at any specialist or heavy diagnostic equipment in the country in real time while the patient is present They rated Macedonia 16th in Europe in 2015 The Doctor s Chamber of Macedonia complains that there is a discrepancy between the available funds and the quality of service expected that facilities are not used efficiently equipment is outdated and staff are not used effectively Portugal edit Main article Health in Portugal Portugal s National Healthcare Service known nationally as Servico Nacional de Saude SNS is a universal and free healthcare service provided nationwide since 1979 and available to both Portuguese and foreign residents In 2014 Portugal SNS ranked 13th best healthcare service in Europe 103 The National Medical Emergency Institute INEM is the main emergency medical service and can be activated by calling 112 Romania edit Main article Healthcare in Romania According to Article 34 of the Constitution of Romania the state is obliged to guarantee the protection of healthcare Romania has a fully universal healthcare system which covers medical check ups surgical interventions and any postoperative medical care as well as free or subsidized medicine for a range of diseases The state is also obliged to fund public hospitals and clinics Dental care is not funded by the state although there are public dental clinics in some hospitals which treat patients free of charge Russia edit Main article Healthcare in Russia In the former Soviet Union the preferred term was socialist medicine the Russian language has no term to distinguish between socialist and socialized other than public Rus obshchestvenniy obshestvennyj sometimes collectivized or nationalized Rus obobshchestvlenniy obobshestvlennyj 104 105 Russia in Soviet times between 1917 and 1991 had a totally socialist model of health care with a centralized integrated hierarchically organised government providing free health care to all citizens Quality of care and access to medications was not equal however and was dependent on the social status of patient The best care was provided for nomenklatura and their family members who had been segregated from the rest of population facilities such as Kremlin hospital 106 Initially successful at combating infectious diseases the effectiveness of the socialized model declined with underinvestment Despite a doubling in the number of hospital beds and doctors per capita between 1950 and 1980 the quality of care began to decline by the early 1980s and medical care and health outcomes were below western standards The new mixed economy Russia has switched to a mixed model of health care with private financing and provision running alongside state financing and provision The OECD reported that unfortunately none of this has worked out as planned and the reforms have in many respects made the system worse 107 needs update The population s health has deteriorated on virtually every measure The resulting system is overly complex and very inefficient It has little in common with the model envisaged by the reformers Although there are more than 300 private insurers and numerous public ones in the market real competition for patients is rare leaving most patients with little or no effective choice of insurer and in many places no choice of health care provider either The insurance companies have failed to develop as active informed purchasers of health care services Most are passive intermediaries making money by simply channelling funds from regional OMS funds to healthcare providers Article 41 of the Constitution of the Russian Federation confirms a citizen s right to state healthcare and medical assistance free of charge 108 This is achieved through state compulsory medical insurance OMS which is funded by an obligatory medical insurance payroll tax and government subsidies 109 110 It is worth mentioning that Russian citizens never pay taxes for themselves and often don t even know how much taxes they pay because tax payment process is maintained by companies they are working on 111 Introduction in 1993 reform of new free market providers in addition to the state run institutions intended to promote both efficiency and patient choice A purchaser provider split helps facilitate the restructuring of care as resources would migrate to where there was greatest demand reduce the excess capacity in the hospital sector and stimulate the development of primary care Russian Prime Minister Vladimir Putin announced a new large scale health care reform in 2011 and pledged to allocate more than 300 billion rubles 10 billion in the next few years to improve health care in the country As of 2020 the health insurance tax called deposition to an OMS fund is 5 1 112 Serbia edit Main article Healthcare in Serbia The Constitution of the Republic of Serbia states that it is the right of every citizen to seek medical assistance free of charge 113 This is achieved by mutual contribution to the Compulsory Social Healthcare Fund of RZZO Republicki Zavod za Zdravstveno Osiguranje or National Health Insurance Institution The amount of contribution depends on the amount of money the person is making Spain edit Main article Healthcare in Spain Spain provides a public universal health care system for all citizens and under certain conditions also non citizens Healthcare is free except for co payments for some products and services it is mostly paid from the Social Security budget Adult dental care is not covered but for basic extractions or problems that could result in serious stomatological conditions Irrespective of the nationality and insurance situation of the patient the public system always treats medical emergencies until achieving the best possible outcome If not covered by the Spanish Social Security i e a visiting foreigner the provider later negotiates payment with the patient or the patient s insurer If actually unable to pay it is covered by Social Security on humanitarian grounds unless the patient purposely traveled to Spain to get free healthcare Obvious unexpected emergencies such as accidental injuries or sudden illness are customarily covered but those that could be reasonably expected e g arising from a chronic condition or from avoidable risk taking are studied on a case per case basis According to the World Economic Forum and to Bloomberg Spain has the most efficient health system in Europe and also ranks at the top worldwide along with Hong Kong Japan and Singapore 114 115 Private health insurance is available for those who prefer it and recommended for visitors not covered by the Spanish Social Security or a foreign public or private insurer with overseas coverage Sweden edit Main article Healthcare in Sweden Sweden has a universal public health care system paid for through taxation The Swedish public and private health care systems are funded through taxes levied by the county councils Government paid dental care is accessible to those under 23 years old Sweden also has a smaller private health care sector mainly in larger cities or as centers for preventive health care financed by employers In recent years the health care system of Sweden has been heavily criticized for not providing the same quality of health care to all Swedish citizens 116 117 118 119 This was especially brought to light during the COVID 19 pandemic as Swedish media and public health researchers pointed out that Swedish citizens of other ethnicities than Swedish and people living in working class areas were dying from COVID 19 at a significantly higher rate than the rest of the population 120 121 122 Switzerland edit Main article Healthcare in Switzerland Purchasing basic health insurance is mandatory for all persons residing in Switzerland within three months of taking up residence or being born in the country 123 Healthcare in Switzerland is universally available and is regulated by the Federal Health Insurance Act of 1994 Supplemental insurance plans are optional Insurers are required to offer insurance to everyone regardless of age or medical condition They are not allowed to make a profit off this basic insurance but can on supplemental plans 124 Turkey edit Main article Healthcare in Turkey Turkey achieved universal health coverage in 2003 125 The Government s Health Transformation Program of 2003 established a common benefit package that covers primary and preventive care ambulatory and inpatient care laboratory services rehabilitation and follow up services pharmaceuticals and medical aids and appliances 125 Payroll taxes of 12 5 of a person s gross income 5 by the employee and 7 5 by the employer fund 97 126 of the program The government provides for the remaining 3 of the cost 127 United Kingdom edit Main article Healthcare in the United Kingdom Each of the countries of the United Kingdom has a National Health Service that provides public healthcare to all UK permanent residents that was originally designed to be free at the point of need and paid for from general taxation but changes included introducing charging for prescription medicines and dentistry those below 16 and those on certain benefits may still get free treatment However since health is now a devolved matter considerable differences are developing between the systems in each of the countries for example Northern Ireland Scotland and Wales abolished prescription charges 128 Private healthcare companies are free to operate alongside the public system England edit Main article Healthcare in England nbsp Norfolk and Norwich University Hospital a National Health Service hospital The National Health Service NHS created by the National Health Service Act 1946 has provided the majority of healthcare in England since its launch on July 5 1948 citation needed The NHS Constitution for England documents at a high level the objectives of the NHS the legal rights and responsibilities of the various parties patients staff NHS trust boards and the guiding principles that govern the service 129 The NHS constitution makes it clear that it provides a comprehensive service available to all irrespective of age gender disability race sexual orientation religion or belief that access to NHS services is based on clinical need and not an individual s ability to pay and that care is never refused on unreasonable grounds Patient choice in terms of doctor care treatments and place of treatment is an important aspect of the NHS s ambition and in some cases patients can elect for treatment in other European countries at the NHS s expense Waiting times are low with most people able to see their primary care doctor on the same day or the following day 130 Only 36 1 of hospital admissions are from a waiting list with the remainder being either emergencies admitted immediately or else pre booked admissions or the like e g child birth 131 One of the main goals of care management is to ensure that patients do not experience a delay of more than 18 weeks from initial hospital referral to final treatment inclusive of time for all associated investigative tests and consultations 132 In 2009 two thirds of patients were treated in under 12 weeks 133 Though centrally funded the NHS is not managed by a large central bureaucracy Responsibility is divided among geographical areas through strategic health authorities Management is distributed even more locally through primary care trusts hospital trusts and increasingly to NHS foundation trusts that provide even more decentralized services within the NHS framework with more decisions left to local people patients and staff The central government office the Department of Health is not involved in day to day decision making in either the Strategic Health Authorities or the individual local trusts primarily health hospital or ambulance or the national specialist trusts such as NHS Blood and Transplant It does lay down general guidelines they must follow Local trusts are accountable to their local populations whilst government ministers are accountable to Parliament for the service overall citation needed The NHS provides among other things primary care in patient care long term healthcare psychiatric care and treatments ophthalmology and dentistry All treatment is taxpayer funded with the exception of certain charges for prescriptions dentistry and ophthalmology which themselves are free to children certain students in full time education the elderly the unemployed and those on low incomes Around 89 percent of NHS prescriptions are obtained free of charge mostly for children pensioners and pregnant women Others pay a flat rate of 9 00 and others may cap their annual charges by purchasing an NHS Prescription Prepayment Certificate Private health care has continued parallel to the NHS paid for largely by private insurance Private insurance accounts for only 4 percent of health expenditure and covers little more than a tenth of the population 134 Private insurers in the UK only cover acute care from specialists They do not cover generalist consultations pre existing conditions medical emergencies organ transplants chronic conditions such as diabetes or conditions such as pregnancy or HIV 135 Most NHS general practitioners are private doctors who contract to provide NHS services but most hospitals are publicly owned and run through NHS trusts A few NHS medical services such as surgicentres are sub contracted to private providers 136 as are some non medical services such as catering Some capital projects such as new hospitals have been funded through the Private Finance Initiative enabling investment without in the short term increasing the public sector borrowing requirement because long term contractually obligated PFI spending commitments are not counted as government liabilities citation needed Northern Ireland edit Main article Health and Social Care in Northern Ireland Health and Social Care in Northern Ireland is the designation of the national public health service in Northern Ireland Scotland edit Main article Healthcare in Scotland nbsp The Royal Aberdeen Children s Hospital is a specialist children s hospital within NHS Scotland NHS Scotland created by the National Health Service Scotland Act 1947 was also launched on July 5 1948 although it has always been a separate organization Since devolution NHS Scotland has followed the policies and priorities of the Scottish Government including the phasing out of all prescription charges by 2011 Prescriptions are now free in Scotland for all citizens Wales edit Main article Healthcare in Wales NHS Wales was originally formed as part of the same NHS structure created by the National Health Service Act 1946 but powers over the NHS in Wales came under the Secretary of State for Wales in 1969 137 in turn being transferred under devolution to what is now the Welsh Government Crown dependencies edit Isle of Man edit The Isle of Man a UK Crown dependency provides universal public health coverage to its residents 138 Guernsey Jersey edit The medical care system in the Channel Islands is very similar to that of the UK in that many of the doctors and nurses have been trained from the UK health perspective There is universal health care for residents of Jersey 139 Healthcare in Guernsey and Alderney is charged for 140 with all primary care provided for on a private basis 141 142 There is no universal healthcare for residents of Sark North America editBarbados Canada Costa Rica Cuba Mexico and Trinidad and Tobago all provide some level of universal health coverage Bahamas edit Main article Health in Bahamas The Bahamas approved the National Health Insurance Act in August 2016 The legislation establishes a universal health coverage system that begins with universal coverage of primary health care services and later expands to include a wide set of benefits that includes all specialized care The system allows for universal coverage of a basic benefits package and for voluntary insurance to be purchased as a top up policy to cover services or amenities that are not included in the government plan 143 Canada edit Main article Health care in Canada In 1984 the Canada Health Act was passed which prohibited extra billing by doctors on patients while at the same time billing the public insurance system In 1999 the prime minister and most premiers reaffirmed in the Social Union Framework Agreement that they are committed to health care that has comprehensiveness universality portability public administration and accessibility 144 The system is for the most part publicly funded yet most of the services are provided by private enterprises or private corporations citation needed although most hospitals are public Most doctors do not receive an annual salary but receive a fee per visit or service 145 About 29 of Canadians health care is paid for by the private sector or individuals 146 This mostly goes towards services not covered or only partially covered by Medicare such as prescription drugs dentistry physiotherapy and vision care 147 Many Canadians have private health insurance often through their employers that cover these expenses 148 The Canada Health Act of 1984 does not directly bar private delivery or private insurance for publicly insured services but provides financial disincentives for doing so Although there are laws prohibiting or curtailing private health care in some provinces they can be changed according to a report in the New England Journal of Medicine 149 150 The legality of the ban was considered in a decision of the Supreme Court of Canada which ruled in Chaoulli v Quebec that the prohibition on obtaining private health insurance while it might be constitutional in circumstances where health care services are reasonable as to both quality and timeliness is not constitutional where the public system fails to deliver reasonable services The appellant contended that waiting times in Quebec violated a right to life and security in the Quebec Charter of Human Rights and Freedoms The Court agreed but acknowledged the importance and validity of the Canada Health Act and at least four of the seven judges explicitly recognized the right of governments to enact laws and policies that favour the public over the private system and preserve the integrity of the public system Costa Rica edit Main article Health in Costa Rica Universal healthcare and pensions are run by the Caja Costarricense de Seguro Social CCSS In 1941 Costa Rica established Caja Costarricense de Seguro Social CCSS a social security insurance system for wage earning workers In 1961 coverage was expanded to include workers dependents and from 1961 to 1975 a series of expansions extended coverage for primary care and outpatient and inpatient specialized services to people in rural areas the low income population and certain vulnerable populations Further expansions during the late 1970s extended insurance coverage to farmers peasants and independent contract workers Additionally CCSS mandates free health service provision to mothers children indigenous people the elderly and people living with disabilities regardless of insurance coverage By 2000 82 percent of the population was eligible for CCSS which has continued to expand in the ensuing period By covering all population groups through the same system Costa Rica has avoided social insurance stratification and inequity common in many other countries in the region 151 CCSS is funded by a 15 percent payroll tax as well as payments from retiree pensions 6 Taxes on luxury goods alcohol soda and imported products also help to cover poor households who do otherwise pay into the system All CCSS funds are merged into a single pool which is managed by the central financial administration of CCSS In 1973 the Ministry of Health decided to move away from direct service provision and adopt a steering role Responsibility for the provision of most care was transferred to the CCSS although the Ministry retained responsibility for disease control food and drug regulation environmental sanitation child nutrition and primary care for the poor Through the CCSS health care is now essentially free to nearly all Costa Ricans Private health care is also widely available and INS offers private health insurance plans to supplement CCSS insurance 152 Cuba edit Main article Healthcare in Cuba The Cuban government operates a national health system and assumes fiscal and administrative responsibility for the health care of all its citizens There are no private hospitals or clinics as all health services are government run All healthcare in Cuba is free to Cuban residents 153 The present Minister for Public Health is Roberto Morales Ojeda The Cuban government sends doctors and other medical personnel overseas as part of medical missions These missions are mainly in Latin America Africa and Oceania and have had substantial positive impacts on the local populations served Cuba also brings medical students and patients to Cuba for training and treatment respectively Mexico edit Main article Healthcare in Mexico Public health care became universal healthcare on January 1 2020 154 mandated by the new President Andres Manuel Lopez Obrador and approved by Congress It is completely free for Mexican citizens who do not have health insurance Mexico s new universal healthcare administered by the Instituto de Salud para el Bienestar Institute of Health for Welfare INSABI includes free consultations with family doctors and specialists free medications free surgeries free dental and vision citation needed As of 2020 public health care is provided to all Mexican citizens as guaranteed via Article 4 of the Constitution Public care is now fully subsidized by the federal government All Mexican citizens are eligible for subsidized health care regardless of their work status via a system of health care facilities operating under the federal Secretariat of Health formerly the Secretaria de Salubridad y Asistencia or SSA agency Employed citizens and their dependents however are further eligible to use the health care program administered and operated by the Instituto Mexicano del Seguro Social IMSS English Mexican Social Security Institute The IMSS health care program is a tripartite system funded equally by the employee its private employer and the federal government The IMSS does not provide service to employees of the public sector Employees in the public sector are serviced by the Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado ISSSTE English Institute for Social Security and Services for State Workers which attends to the health and social care needs of government employees This includes local state and federal government employees The government of the states in Mexico also provide health services independently of those services provided by the federal government programs In most states the state government has established free or subsidized healthcare for all their citizens In 2006 the Mexican government created the Health Insurance for a New Generation also known as life insurance for babies 155 156 157 On May 28 2009 Universal Care Coverage for Pregnant Women was introduced 158 In a 2020 expansion of health care coverage all Mexicans are now covered Trinidad and Tobago edit Main article Healthcare in Trinidad and Tobago A universal health care system is used in Trinidad and Tobago and is the primary form of health care available in the country It is used by the majority of the population seeking medical assistance as it is free for all citizens Responsibility for the provision of healthcare services in Trinidad and Tobago was devolved from the Ministry of Health to Regional Health Authorities under the Regional Health Authorities Act No 5 in 1994 United States edit Main article Healthcare in the United States Between 2010 and 2019 the individual shared responsibility provision of the Affordable Care Act required Americans with certain exemptions to have private or public health insurance 159 Otherwise they were required to pay a fine South America editArgentina Brazil Chile and Colombia all provide some level of universal health coverage Argentina edit Main article Health care in Argentina Health care is provided through a combination of employer and labor union sponsored plans Obras Sociales government insurance plans public hospitals and clinics and through private health insurance plans It costs almost 10 of GDP and is available to anyone regardless of ideology beliefs race or nationality Brazil edit Main article Healthcare in Brazil The universal health care system was adopted in Brazil in 1988 after the end of the military dictatorship However universal health care was available many years before in some cities once the 27th amendment to the 1969 Constitution imposed the duty of applying 6 of their income in healthcare on the municipalities 160 The Brazilian universal health care is called SUS Sistema Unico de Saude which covers all treatments surgeries and medications for all resident and non resident individuals within Brazilian jurisdiction regardless of ethnicity nationality or visa including tourists passengers in transit and refugees Chile edit Main article Healthcare in Chile Health care in Chile is provided by the government via public corporation FONASA National Healthcare Fund and by private insurers via ISAPRE Previsional Healthcare Institutions All workers and pensioners are mandated to pay 7 of their income for health care insurance the poorest pensioners are exempt from this payment but medications are expensive and pensioners have to pay Workers who choose not to join an Isapre are automatically covered by Fonasa Fonasa also covers unemployed people receiving unemployment benefits uninsured pregnant women insured worker s dependant family people with mental or physical disabilities and people who are considered poor or indigent Fonasa costs vary depending on income disability or age Attention at public health facilities via Fonasa is free for low income earners people with mental or physical disabilities and people over the age of 60 Others pay 10 or 20 of the costs depending on income and the number of dependants Fonasa beneficiaries may also seek attention in the private sector for a designated fee Additionally exist the GES Plan Explicit Guarantees in Healthcare Plan that consists of a defined number of high morbility and mortality diseases currently 85 that have special mandatory attention guarantees for all people both Isapre and Fonasa affiliates in relation to Access Universal access to treatment if required Individuals will be able to get attention from a provider near their place of residence Opportunity Opportune waiting times there is a maximum pre established time limit to get initial and post diagnosis attention Financial protection Law fixed maximum price with low copayments to providers maximum copayment of 20 of the cost the payment cannot be an obstacle to attention The total cost must not exceed one monthly income for the family in a year Best possible quality of service Attention only in accredited public or private Health centers that follow technical requirement standards that will be established based on medical evidence The treatment protocols and number of diseases included are evaluated every 3 years by the authorities Colombia edit Main article Health care in Colombia In 1993 a reform transformed the health care system in Colombia trying to provide a better sustainable health care system and to reach every Colombian citizen Peru edit Main article Healthcare in Peru Peru does not currently have universal health care as only about 80 of the population is insured On April 10 2009 the Government of Peru published the Law on Health Insurance to enable all Peruvians to access quality health services and contribute to regulating the financing and supervision of these services The law enables all population to access diverse health services to prevent illnesses and promote and rehabilitate people under a Health Basic Plan PEAS 161 162 On April 2 2010 President Alan Garcia Perez signed a supreme ordinance approving the regulations for the framework law on Universal Health Insurance which seeks to provide access to quality health care for all Peruvian citizens Peru s Universal Health Insurance law aims to increase access to timely and quality health care services emphasizes maternal and child health promotion and provides the poor with protection from financial ruin due to illness 163 The regulation states that membership of the Universal Health Insurance AUS for its Spanish acronym is compulsory for the entire population living in the country To that end the Ministry of Health will approve by supreme ordinance the mechanisms leading to compulsory membership as well as escalation and implementation 164 Suriname edit Main article Health in Suriname The National Basic Health Insurance Law introduced in 2014 provides access to a basic package of primary secondary and tertiary care services for citizens It repeals the Healthcare Tariffs Law from 2005 Oceania editAustralia and New Zealand both have universal health care Hospitalisation is free for permanent residents in both nations In addition Australia grants primary care coverage while in New Zealand general practice and prescriptions are subsidised only Australia edit Main articles Medicare Australia and Health care in Australia In Australia Medibank as it was then known was introduced by the Whitlam Labor government on July 1 1975 through the Health Insurance Act 1973 The Australian Senate rejected the changes multiple times and they were passed only after a joint sitting after the 1974 double dissolution election However Medibank was supported by the subsequent Fraser Coalition Australia government and became a key feature of Australia s public policy landscape The exact structure of Medibank Medicare in terms of the size of the rebate to doctors and hospitals and the way it has administered has varied over the years The original Medibank program proposed a 1 35 levy with low income exemptions but these bills were rejected by the Senate so Medibank was funded from general taxation In 1976 the Fraser Government introduced a 2 5 levy and split Medibank in two a universal scheme called Medibank Public and a government owned private health insurance company Medibank Private In 1984 Medibank Public was renamed Medicare by the Hawke Labor government which also changed the funding model to an income tax surcharge known as the Medicare Levy which was set at 1 5 with exemptions for low income earners 165 The Howard Coalition government introduced an additional levy of 1 0 known as the Medicare Levy Surcharge for those on high annual incomes 70 000 who do not have adequate levels of private hospital coverage 166 This was part of an effort by the Coalition to encourage take up of private health insurance According to WHO government funding covered 67 5 of Australia s health care expenditures in 2004 private sources covered the remaining 32 5 of expenditures 41 As of 2019 the Medicare levy is 2 of taxable income 167 with a Medicare levy surcharge for those on high income who do not have appropriate private patient hospital cover 1 for singles on 90 000 pa and families on 180 000 pa rising to 1 5 for higher incomes 168 In addition to Medicare there is a separate Pharmaceutical Benefits Scheme funded by the federal government which substantially subsidises a range of prescription medications New Zealand edit Main article Health care in New Zealand As with Australia New Zealand s healthcare system is funded through general taxation according to the Social Security Act 1938 However aside from hospitalisation there are user charges for prescriptions introduced in February 1985 this ended in mid 2023 when funded drugs became free under prescription and partial subsidisation of general practitioner visits with additional provision for those on low or modest incomes known as Community Service Cards introduced on February 1 1992 to target healthcare based on income 169 170 171 These changes were part of broader controversial policies introduced by the Fourth National Government between 1991 and 1993 and effectively ended largely free provision of primary healthcare According to the WHO government sources covered 77 4 of New Zealand s health care costs in 2004 private expenditures covered the remaining 22 6 Historic attempts to bring general practitioner care into government ownership have been largely unfulfilled There are twenty district health boards as of 2019 whose task is ensuring the provision of health and disability services to populations within a defined geographical area and are partially elected while the remainder is appointed by New Zealand s Minister of Health 172 This system of management came into being on January 1 2001 abolishing the much controversial Crown Health Enterprises regime which had replaced Area Health Boards previously See also editHealth Advocate Health care reform Health insurance Health Insurance Innovations Health system Health systems by country List of countries by health insurance coverageReferences edit Buttice Claudio 2019 Universal Health Care Santa Barbara California Greenwood Publishing Group p 20 ISBN 978 1 4408 6844 3 Abelson Reed Sanger Katz Margot March 23 2019 Medicare for All Would Abolish Private Insurance There s No Precedent in American History The New York Times Algeria Health And Welfare Countrystudies us Retrieved November 14 2011 Algeria Profile PDF Botswana The Health System AHO Archived from the original on August 3 2014 Retrieved November 30 2016 JLN Burkina Faso adopts universal health insurance system Joint Learning Network Retrieved November 30 2016 Tiny African Island Has Soaring GDP Free Healthcare and Free Higher Education The Utopianist Archived from the original on April 26 2016 Retrieved November 30 2016 Morocco Signs Agreements to Achieve Universal Health Coverage by 2022 Morocco World News Retrieved September 16 2022 Boutayeb Abdesslam March 7 2006 International Journal for Equity in Health Full text Social inequalities and health inequity in Morocco International Journal for Equity in Health Equityhealthj com 5 1 1 doi 10 1186 1475 9276 5 1 PMC 1420301 PMID 16522204 In Rwanda Health Care Coverage That Eludes the U S Opinionator blog of The New York Times July 3 2012 Archived from the original on February 3 2014 The healthcare system in Tunisia Retrieved November 30 2016 Country Health System Profile Bhutan World Health Organization Archived from the original on June 1 2012 Guo Jia March 28 2017 How does healthcare in the U S compare with China s SupChina Retrieved September 15 2020 a b Zhou Viola January 10 2018 Does China have universal health care A long and better answer Inkstone South China Morning Post Publishers Ltd a b Yip Winnie Hsiao William March 2008 The Chinese Health System At A Crossroads Health Affairs 27 2 460 8 doi 10 1377 hlthaff 27 2 460 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יזם פוליטי Who is a Political Promoter PDF in Hebrew Open University of Israel Retrieved December 26 2019 World Health Day 2018 Lessons from Malaysia on Universal Health Coverage World Health Organization April 18 2018 Retrieved March 22 2022 Yusafzai Mushtaq November 6 2020 PM Imran Khan launches free healthcare services programme in KP today The News International Archived from the original on November 6 2020 Retrieved November 7 2020 Desk BR Web December 13 2021 PM Imran launches Naya Pakistan Sehat Programme in Punjab Brecorder Retrieved December 13 2021 EXPLAINER Universal Health Care Law and what it means to PH development National Economic and Development Authority June 18 2019 Retrieved July 26 2021 a b c d World Health Organization Statistical Information System Core Health Indicators Who int Archived from the original on April 29 2007 Retrieved November 14 2011 World Health Organization World Health Statistics 2007 Mortality based on 2005 data a b John Tucci The Singapore health system achieving positive health outcomes with low expenditure Watson Wyatt Healthcare Market Review October 2004 Archived April 19 2010 at the Wayback Machine a b Library of Congress Federal Research Division 2007 Country Profile North Korea PDF Library of Congress Federal Research Division Retrieved September 6 2010 Ask a North Korean What is the healthcare system in the DPRK really like NK News February 21 2020 Healthcare information in Sri Lanka workinsrilanka lk Archived from the original on November 24 2016 Retrieved January 28 2017 Fanchiang Cecilia January 2 2004 New IC health insurance card expected to offer many benefits Archived June 6 2008 at the Wayback Machine Taiwan Journal Retrieved March 28 2008 Taiwan Takes Fastrack to Universal Health Care All Things Considered NPR April 15 2008 Retrieved October 5 2008 Jui Fen Rachel Lu William C Hsiao 2003 Does Universal Health Insurance Make Health Care Unaffordable Lessons From Taiwan Health Affairs 22 3 77 88 doi 10 1377 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original on November 25 2011 Retrieved November 14 2011 European Commission Health and long term care in the European Union PDF Retrieved November 14 2011 Health Systems in Transition Vol 10 No 4 2008 Finland health system review PDF Retrieved January 9 2015 Reimbursements for medicine expenses kela en a b c d Jarvelin Jutta 2002 Health Care Systems in Transition PDF The European Observatory on Health Care Systems Retrieved February 25 2009 http www oecd org dataoecd 52 33 38976604 pdf bare URL PDF http ec europa eu public opinion archives ebs ebs 283 en pdf European Commission Health and long term care in the European Union News item on healthcare costs in 2006 in Finnish World Health Organization Assesses the World s Health Systems Who int December 8 2010 Retrieved January 6 2012 Georgia s health financing reforms show tangible benefits for the population Verulava T Jorbenadze R Barkalaia T 2017 Introduction of universal health program in Georgia Problems and Perspectives Georgian Medical News 262 262 116 120 PMID 28252441 Georgia on the path to universal health coverage but gaps persist World Health Organization Retrieved September 19 2022 Bump Jesse B October 19 2010 The long road to universal health coverage A century of lessons for development strategy PDF Seattle PATH Retrieved March 11 2013 Carrin and James have identified 1988 105 years after Bismarck s first sickness fund laws as the date Germany achieved universal health coverage through this series of extensions to minimum benefit packages and expansions of the enrolled population Barnighausen and Sauerborn have quantified this long term progressive increase in the proportion of the German population covered by public and private insurance Their graph is reproduced below as Figure 1 German Population Enrolled in Health Insurance 1885 1995 Carrin Guy James Chris January 2005 Social health insurance Key factors affecting the transition towards universal coverage PDF International Social Security Review 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