自愿医保医疗融资的6大方案模式3课件

醫療融資六大方案YourhealthYourlife醫療融資六大方案YourhealthYourlife1醫療融資的目的

我們提出改革醫療制度，是要令它能持續發展，並能緊貼醫療科技進步，希望能夠－為市民提供終身、全面、全人的基層醫療，並特別着重增進健康的預防性護理。為市民提供更多優質、高效率和具成本效益的公私營醫療服務，以供選擇。為不幸罹患重病需要昂貴治療的市民提供更好的醫療保障，讓大家安心；以及政府能繼續與市民並肩，為增進市民健康共同作出財政承擔。醫療融資的目的 我們提出改革醫療制度，是要令它能持續發展，並2醫療融資的6大方案醫療融資的6大方案3醫療融資的6大方案醫療融資的6大方案4醫療融資的6大方案模式1：近似徵稅的模式向在職人士徵收佔入息若干百分比的金額。所有人都獲得同等的資助醫療服務。選擇私營服務的人可能要支付資助金額以外的費用。按收入供款，無須供款者亦可獲益。方案1：醫療社保醫療融資的6大方案模式1：近似徵稅的模式向在職人士徵收佔入息5醫療融資的6大方案模式1：近似徵稅的模式方案1：醫療社保醫療融資的6大方案模式1：近似徵稅的模式6醫療融資的6大方案模式2：用者付費模式提高公營醫療服務收費。除低收入人士和弱勢社群外，用者須分擔大部分的醫療費用。方案2：用者自付醫療融資的6大方案模式2：用者付費模式方案2：用者自付7醫療融資的6大方案模式2：用者付費模式規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人的醫療儲蓄戶口，以支付自己未來(特是退休後)的醫療費用。方案3：醫療儲蓄醫療融資的6大方案模式2：用者付費模式方案3：醫療儲蓄8醫療融資的6大方案模式2：用者付費模式方案3：醫療儲蓄醫療融資的6大方案模式2：用者付費模式9醫療融資的6大方案模式3：個人保險的模式鼓勵市民自願購買市場上的私人醫療保險。不購保儉者須自資使用私營服務，或繼續由公營資助醫療服務照顧。方案4：自願醫保醫療融資的6大方案模式3：個人保險的模式方案4：自願醫保10醫療融資的6大方案模式3：個人保儉的模式方案4：自願醫保醫療融資的6大方案模式3：個人保儉的模式11醫療融資的6大方案模式3：個人保險的模式規定指定組別人士(例如某入息水平以上的在職人士)購買由政府規管的個人醫療保儉。投保人不論年齡、病歷、收入，均享有劃一保費，令高風險人士(如慢性病患者及長者等)及已有病患人士也可獲得承保。方案5：強制醫保醫療融資的6大方案模式3：個人保險的模式方案5：強制醫保12醫療融資的6大方案模式3：個人保儉的模式方案5：強制醫保醫療融資的6大方案模式3：個人保儉的模式13醫療融資的6大方案模式3：個人保險的模式規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人健康保險儲蓄戶口，部份金額用作購買由政府規管的個人健康保險(個人康保)。投保人不論年齡及病歷，均享有劃一保費，令高風險人士(如慢性病患者及長者等)及已有病患人士也可獲得承保。按個人收入水平作出儲備，但保費負擔均等，餘額可以滾存，以備退休後支付個人康保保費及其他醫療開支。方案6：個人康保儲蓄醫療融資的6大方案模式3：個人保險的模式方案6：個人康保儲14模式3：個人保儉的模式方案6：強制醫保醫療融資的6大方案模式3：個人保儉的模式醫療融資的6大方案15你會如何選擇呢？醫療改革對未來社會的醫療服務有莫大影響﹗作為一份子的你們會選擇那一個方案呢？你會如何選擇呢？醫療改革對未來社會的醫療服務有莫大影響﹗作為16SixdifferentoptionsofYourhealthYourlifeSixdifferentoptionsofYour17WhytohavetheHealthcarereform

Wewanttoreformthehealthcaresystemsothatitcandevelopsustainablebasisandkeepupwithmedicaltechnologyadvancesto–

provideyouwithaccesstolifelong,comprehensiveandholisticprimarycare,withemphasisonhealth‐improvingpreventivecare;

provideyouwithmorechoiceofquality,efficientandcost‐effectivehealthcareinboththepublicandprivatesectors;

WhytohavetheHealthcareref18WhytohavetheHealthcarereformprovideyouwithhealthcareprotectionandpeaceofmindincaseyouarestruckbyillnessesthatneedcostlytreatment;and

continuethepartnershipbetweentheGovernmentandyouinsharingthefinancialcommitmentforyourbetterhealth.WhytohavetheHealthcareref19SixdifferentoptionsoftheHealthcarereformSixdifferentoptionsoftheH20SixdifferentoptionsoftheHealthcarereformSixdifferentoptionsoftheH21SixdifferentoptionsoftheHealthcarereformMajorMode1：Tax-likeModelSocialhealthinsuranceisthatallmembersoftheworkingpopulationarerequiredtocontributeacertainpercentageoftheirincometofinancehealthcareprotectionforthewholepopulation.Accesstothesamestandardsubsidizedhealthcareservicesforall.Thosewhochooseprivateservicesmayhavetomakeco-paymentforchargesbeyondthesubsidizedamount.Contributeaccordingtoincomelevel;thosewhoarenotrequiredtomakecontributionsmayalsobenefit.Scheme1：SocialHealthInsuranceSixdifferentoptionsoftheH22SixdifferentoptionsoftheHealthcarereformMajorMode1：Tax-likeModelScheme1：SocialHealthInsuranceSixdifferentoptionsoftheH23SixdifferentoptionsoftheHealthcarereformMajorMode1：User-paysModelIncreasetheuserfeesforusingpublichealthcareservices.Withtheexceptionoflow-incomeandunder-privilegedgroups,servicesusersarerequiredtosharealargeportionofthecostsforhealthcare.Scheme2：Out-of-PocketPaymentSixdifferentoptionsoftheH24SixdifferentoptionsoftheHealthcarereformMajorMode2：User-paysModelRequiresaspecifiedgroupofthepopulation(e.g.workingpopulationwithincomeaboveacertainlevel)todepositpartoftheirincomeintoapersonalmedicalsavingsaccounttomeettheirownfuture(especiallyafterretirement)healthcareexpenses.Scheme3：MedicalSavingsSixdifferentoptionsoftheH25SixdifferentoptionsoftheHealthcarereformMajorMode2：User-paysModelScheme3：MedicalSavingsSixdifferentoptionsoftheH26SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelEncouragesmembersofthepublictopurchaseprivatehealthinsuranceinthemarketvoluntarily.Theuninsuredhavetoeitherpaytheirownexpensesforusingprivateservicesorcontinuetobeservedbysubsidizedpublichealthcareservices.Scheme4：VoluntaryHealthInsuranceSixdifferentoptionsoftheH27SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelScheme4：VoluntaryHealthInsuranceSixdifferentoptionsoftheH28SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelRequiresaspecifiedgroupinthepopulation(e.g.workingpopulationwithincomeaboveacertainlevel)topurchaseindividualhealthinsuranceregulatedbytheGovernment..Samepremiumforallparticipantsregardlessoftheirage,medicalhistoryandincome,allowingthehigh-riskgroups(e.g.chronicpatientsandtheelderly)andpeoplewithpre-existingmedicalconditionstogetinsured.Scheme5：MandatoryHealthInsuranceSixdifferentoptionsoftheH29SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelScheme5：MandatoryHealthInsuranceSixdifferentoptionsoftheH30SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelRequiresaspecifiedgroupinthepopulation(e.g.workingpopulationwithincomeaboveacertainlevel)todepositpartoftheirincomeintoapersonalhealthcarereserveaccount.Partofthedepositwillbeusedforsubscribingtoagovernment–regulatedpersonalhealthcareinsurance,andmeetothermedicalexpensesafterretirement.Samepremiumforallparticipantsregardlessoftheirageandmedicalhistory,therebyenablingthehigh-riskgroups(e.g.chronicpatientsandtheelderly)andpeoplewithpre-existingmedicalconditionstogetinsured.Scheme6：PersonalHealthcareReserveSixdifferentoptionsoftheH31SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelDeposittoreserveisbasedonindividualincomelevel,buttheinsurancepremiumisthesameforallparticipants.Thebalancewillbekeptintheaccounttopayforpersonalhealthcareinsurancepremiumandothermedicalexpensesafterretirement.Scheme6：PersonalHealthcareReserveSixdifferentoptionsoftheH32MajorMode3：IndividualHealthInsuranceModelScheme6：PersonalHealthcareReserveSixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealth33TheHealthcarereforminfluenceourfuturelifealot.Whatdoyouthinkaboutthisreform?Andwhichschemeisyourfavorite?Whatisyouropinion?TheHealthcarereforminfluenc34醫療融資六大方案YourhealthYourlife醫療融資六大方案YourhealthYourlife35醫療融資的目的

我們提出改革醫療制度，是要令它能持續發展，並能緊貼醫療科技進步，希望能夠－為市民提供終身、全面、全人的基層醫療，並特別着重增進健康的預防性護理。為市民提供更多優質、高效率和具成本效益的公私營醫療服務，以供選擇。為不幸罹患重病需要昂貴治療的市民提供更好的醫療保障，讓大家安心；以及政府能繼續與市民並肩，為增進市民健康共同作出財政承擔。醫療融資的目的 我們提出改革醫療制度，是要令它能持續發展，並36醫療融資的6大方案醫療融資的6大方案37醫療融資的6大方案醫療融資的6大方案38醫療融資的6大方案模式1：近似徵稅的模式向在職人士徵收佔入息若干百分比的金額。所有人都獲得同等的資助醫療服務。選擇私營服務的人可能要支付資助金額以外的費用。按收入供款，無須供款者亦可獲益。方案1：醫療社保醫療融資的6大方案模式1：近似徵稅的模式向在職人士徵收佔入息39醫療融資的6大方案模式1：近似徵稅的模式方案1：醫療社保醫療融資的6大方案模式1：近似徵稅的模式40醫療融資的6大方案模式2：用者付費模式提高公營醫療服務收費。除低收入人士和弱勢社群外，用者須分擔大部分的醫療費用。方案2：用者自付醫療融資的6大方案模式2：用者付費模式方案2：用者自付41醫療融資的6大方案模式2：用者付費模式規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人的醫療儲蓄戶口，以支付自己未來(特是退休後)的醫療費用。方案3：醫療儲蓄醫療融資的6大方案模式2：用者付費模式方案3：醫療儲蓄42醫療融資的6大方案模式2：用者付費模式方案3：醫療儲蓄醫療融資的6大方案模式2：用者付費模式43醫療融資的6大方案模式3：個人保險的模式鼓勵市民自願購買市場上的私人醫療保險。不購保儉者須自資使用私營服務，或繼續由公營資助醫療服務照顧。方案4：自願醫保醫療融資的6大方案模式3：個人保險的模式方案4：自願醫保44醫療融資的6大方案模式3：個人保儉的模式方案4：自願醫保醫療融資的6大方案模式3：個人保儉的模式45醫療融資的6大方案模式3：個人保險的模式規定指定組別人士(例如某入息水平以上的在職人士)購買由政府規管的個人醫療保儉。投保人不論年齡、病歷、收入，均享有劃一保費，令高風險人士(如慢性病患者及長者等)及已有病患人士也可獲得承保。方案5：強制醫保醫療融資的6大方案模式3：個人保險的模式方案5：強制醫保46醫療融資的6大方案模式3：個人保儉的模式方案5：強制醫保醫療融資的6大方案模式3：個人保儉的模式47醫療融資的6大方案模式3：個人保險的模式規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人健康保險儲蓄戶口，部份金額用作購買由政府規管的個人健康保險(個人康保)。投保人不論年齡及病歷，均享有劃一保費，令高風險人士(如慢性病患者及長者等)及已有病患人士也可獲得承保。按個人收入水平作出儲備，但保費負擔均等，餘額可以滾存，以備退休後支付個人康保保費及其他醫療開支。方案6：個人康保儲蓄醫療融資的6大方案模式3：個人保險的模式方案6：個人康保儲48模式3：個人保儉的模式方案6：強制醫保醫療融資的6大方案模式3：個人保儉的模式醫療融資的6大方案49你會如何選擇呢？醫療改革對未來社會的醫療服務有莫大影響﹗作為一份子的你們會選擇那一個方案呢？你會如何選擇呢？醫療改革對未來社會的醫療服務有莫大影響﹗作為50SixdifferentoptionsofYourhealthYourlifeSixdifferentoptionsofYour51WhytohavetheHealthcarereform

Wewanttoreformthehealthcaresystemsothatitcandevelopsustainablebasisandkeepupwithmedicaltechnologyadvancesto–

provideyouwithaccesstolifelong,comprehensiveandholisticprimarycare,withemphasisonhealth‐improvingpreventivecare;

provideyouwithmorechoiceofquality,efficientandcost‐effectivehealthcareinboththepublicandprivatesectors;

WhytohavetheHealthcareref52WhytohavetheHealthcarereformprovideyouwithhealthcareprotectionandpeaceofmindincaseyouarestruckbyillnessesthatneedcostlytreatment;and

continuethepartnershipbetweentheGovernmentandyouinsharingthefinancialcommitmentforyourbetterhealth.WhytohavetheHealthcareref53SixdifferentoptionsoftheHealthcarereformSixdifferentoptionsoftheH54SixdifferentoptionsoftheHealthcarereformSixdifferentoptionsoftheH55SixdifferentoptionsoftheHealthcarereformMajorMode1：Tax-likeModelSocialhealthinsuranceisthatallmembersoftheworkingpopulationarerequiredtocontributeacertainpercentageoftheirincometofinancehealthcareprotectionforthewholepopulation.Accesstothesamestandardsubsidizedhealthcareservicesforall.Thosewhochooseprivateservicesmayhavetomakeco-paymentforchargesbeyondthesubsidizedamount.Contributeaccordingtoincomelevel;thosewhoarenotrequiredtomakecontributionsmayalsobenefit.Scheme1：SocialHealthInsuranceSixdifferentoptionsoftheH56SixdifferentoptionsoftheHealthcarereformMajorMode1：Tax-likeModelScheme1：SocialHealthInsuranceSixdifferentoptionsoftheH57SixdifferentoptionsoftheHealthcarereformMajorMode1：User-paysModelIncreasetheuserfeesforusingpublichealthcareservices.Withtheexceptionoflow-incomeandunder-privilegedgroups,servicesusersarerequiredtosharealargeportionofthecostsforhealthcare.Scheme2：Out-of-PocketPaymentSixdifferentoptionsoftheH58SixdifferentoptionsoftheHealthcarereformMajorMode2：User-paysModelRequiresaspecifiedgroupofthepopulation(e.g.workingpopulationwithincomeaboveacertainlevel)todepositpartoftheirincomeintoapersonalmedicalsavingsaccounttomeettheirownfuture(especiallyafterretirement)healthcareexpenses.Scheme3：MedicalSavingsSixdifferentoptionsoftheH59SixdifferentoptionsoftheHealthcarereformMajorMode2：User-paysModelScheme3：MedicalSavingsSixdifferentoptionsoftheH60SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelEncouragesmembersofthepublictopurchaseprivatehealthinsuranceinthemarketvoluntarily.Theuninsuredhavetoeitherpaytheirownexpensesforusingprivateservicesorcontinuetobeservedbysubsidizedpublichealthcareservices.Scheme4：VoluntaryHealthInsuranceSixdifferentoptionsoftheH61SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelScheme4：VoluntaryHealthInsuranceSixdifferentoptionsoftheH62SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelRequiresaspecifiedgroupinthepopulation(e.g.workingpopulationwithincomeaboveacertainlevel)topurchaseindividualhealthinsuranceregulatedbytheGovernment..Samepremiumforallparticipantsregardlessoftheirage,medicalhistoryandincome,allowingthehigh-riskgroups(e.g.chronicpatientsandtheelderly)andpeoplewithpre-existingmedicalconditionstogetinsured.Scheme5：MandatoryHealthInsuranceSixdifferentoptionsoftheH63SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceModelScheme5：MandatoryHealthInsuranceSixdifferentoptionsoftheH64SixdifferentoptionsoftheHealthcarereformMajorMode3：IndividualHealthInsuranceMode