The Canadian medical insurance system profile | insurance | car ...

Canada to the promotion of human development, in this aspect have an enviable record. Therefore, in the United Nations human development index comparison rankings, Canada is already in the world for 6 years topped (1994 ~ 1999). Canadians feel very proud.
Canada can get this splendid achievements one of the very important factors is Canada unswervingly implement the medical insurance system, and the system as sacrosanct to the Canadian health act ?principle. The law was Canadian called ?medical health care?, is a very important laws. It contains the following five basic principles:

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The principle: insurance plan for all Canadian legal residents must provide the same overall public health care;

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Overall principle: insurance plan must include the insurance program hospital and outside the hospital doctors to provide all the necessary medical services;

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Convenient principle: insurance plan must make the doctor get reasonable convenience service (including hospitals and doctors provide various outside the hospital of the public health care services to patients), and may not set cost obstacle, not because of its income, age or health, etc and the difference treatment;

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Along with the human transfer principle: insurance plan must ensure that Canada from home or travel from Canada residents in one of the moved to another area, still can enjoy medical treatment insurance;

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At public expense management principle: insurance plan must be followed by the provincial government, non-profit principles related department management and operation.
The federal government?s role is to develop and implement the national medical health principles.

Canada type system of medical insurance

Although the Canadian medical health system is a national system, but it is not by the federal government for a whole unification management system. Health care spending by Canada ten provinces are three areas of the government of the autonomous management. The provinces around and district government can according to condition, from the choice of flexible health care field work and care to invest. At the same time, all provinces and regions and the hospitals and doctors must follow the Canadian hygiene law provided in the national health care principle, so that all over the country medical insurance plan will be a related whole; All provinces and regions of the health care system by the federal funds and the government of Canada?s health and social funding (its form for annual fixed funding) funding to implement. In this sense, the Canadian medical insurance system is a national system.
Canada to public health care insurance system the philosophy is very simple: no man should have no money or not use because the medical institutions or the medical personnel service facilities for medical services and can?t get the necessary. Everyone in the when go to a doctor, have seen people should be well-trained professional medical personnel, have to go to the hospital and clinic should be equipped with the world first-class equipment.
Canadians can to choose your own doctor or clinic there to go to a doctor. Only when the doctor show the residence of the province or area to government health insurance card. Anyone who is a government insurance medical treatment project, Canada per capita directly to the hospital or doctors don?t have to pay for the diagnosis and treatment, also need not fill in any form. The medical treatment charge the government set a maximum limit, neither to patients and their employment unit pay.
Some doctors in addition to get insurance program pays medical treatment of the province beyond, also want to ask for extra cost; patients Some hospitals want collection of various service charge. This extra cost or service charge may make some people lack of medical care. The federal government of Canada of such costs keep fully alert, efforts to ensure that the public from their violations. If any provinces or areas or hospital allow doctors to get such patients from costs, that the federal government will be imposed a fine to the province or area. All that belongs to the additional cost or service charge income, will every cent from the federal government to the province or territory to deduct the funding.
Canada?s health-care system although has, but different in that nationwide by the government of the ?public medical doctor hired? system. Most doctors are Canada self-employment, private medical. They see a doctor in charge of paid work, its charge standard by local medical association and province or regional government to determine the negotiations. They get from government paid work, and are not direct to the patient charges.

Medical treatment at public and private practice medicine coexist

Canada more than 95% of the hospitals are non-profit private company, to its own management committee is responsible. The hospital management committee and its administrator to hospital daily things and resource allocation to management, and is mainly to the hospital responsible for the community service. But, each hospital funds expenditure shall not exceed the management committee and the provincial and regional governments from the annual business budget negotiations. In Canada in the hospital of very small amount of for-profit hospitals include some long-stay care homes and quit addiction center, and other special medical services.
Canadian medical treatment at public insurance plan insurance cover comprehensive there are some exceptions. For example, dental doctor and pharmacists in not directly employed by the hospital circumstances, be in commonly provinces and regions to public health care insurance program performed independent outside. In addition, nursing staff are generally employed by the hospital, but many of them also provide community care services, such as family care, etc.
Canadians can usually get some supplementary medical benefit, and to pay for these benefits to public health care insurance outside the cost of medical service project. These benefits can be covered with a prescription drugs, dentists and buy eye medical services, including artificial limbs and wheelchair, all machines, and including foot disease doctors and massage the specialized subject of auxiliary medical service, service and so on. Canada is usually the employer sponsored health insurance plan and get these benefits.
Canadian medical care about 68.7% of the total cost is by the governments at various levels, the rest for about 31.3% comes from private, or individual health insurance program, or go to a doctor who paid directly. According to most provinces of relevant laws, private insurance company shall not for government insurance plan has been included in the medical treatment at public service project provides insurance.

For part of the national provide additional benefits

In order to help the indians and Inuit and other Canadian comparable to the health level, health Canada to those in government registered as a legal indians or Inuit inhabitants provide some free medical care products and services. These products and services are in the province or territory outside of medical treatment at public insurance plan, and covers the drugs, medical supplies and medical equipment, a dentist service, medical service and private eye the medical treatment insurance premium of insurance company, etc.
Besides the national health insurance program by medical treatment at public projects, the provinces and regions outside the government also for several types of the Canadian residents (such as the elderly, children and low-income Canadian etc) provide additional medical treatment insurance program.
These provide extra to public health care insurance program is in the provinces and regions to public health care insurance plan includes various doctors and hospital services, and can be outside of DuoZhong services and products are covering the glasses, for example: it?s service, service, the disabled, use the dentist orthopaedic equipment, instruments and devices, fuels art with a prescription to buy drugs. The old drug expenses of in most provinces and regions are made by such additional medical treatment at public insurance plan pay it.

Cost advantage

The Canadian history convinced us that: health insurance plan to keep the honor, everyone in medical care for equality is very important. When medical treatment is by government to pay for, the government can set up a set of standards, to ensure that regardless of how different ability to pay, everybody can be in the same condition access to medical services. At the same time, the government can also make some medical and health resources to certain department or some special residents, thus further eliminate people in medical care of inequality.
The Canadian history tell us: Canada nationwide of system of medical treatment insurance of our economic development is also beneficial. The reason for this is the primary reason is that this system, improve the quality of the work force body and production capacity.
From the pure economic point of view, if a country?s health care system cost is low, so the country?s workers can hold more disposable income to stimulate economic growth. Economic analysis also clearly shows that Canada?s publicly funded health care system because the government to pay medical treatment is the sole funds, don?t need a separate a funding mechanism, so operating efficiency is very high. Such system and cause medical health care cost savings, to attract foreign investment to Canada, and increase the competitiveness of the overseas enterprise in Canada.
In 1999, the international business consulting company KPMG to North America, Europe and Japan enterprise is compared, and found that the Canadian enterprise lowest cost. The advantage of the form part of the reason for the low labor costs, Canada and the reasons for the low Labour costs and is funded by the employer health insurance cost is low. On the other hand, a Canadian national chess medical insurance plan, this is helpful for the flow of the labor force, and flowing to the work force enterprises in the continuous rapid change the enterprise environment effective management is very important.
Canada nationwide medical treatment at public insurance is one of the biggest advantage of the cost of high efficiency. The government pay insurance makes the sole at public expense provinces and regions can more effectively control the government department of health spending growth, although they are relevant to the private enterprise of spending control effect is relatively small. Canada health total cost of that year in 1998 gross domestic product (GDP) is 9.3% of the more than 1992 years, the peak of the proportion of that year (10.1% of GDP) fell. In 1988, the Canadian medical health total spending on c $82.5 billion, per capita for c $2694. Compared with other developed countries, Canada?s per capita spending is very low.
To canadians by tax to raise money, the medical treatment at public health care system is that it makes the biggest advantage of all social strata in health care costs and benefits are equal. As long as you are canadians, no matter where you live, whether you have DuoDa the ability to pay, when you need to go to a doctor, Canada?s nationwide medical insurance system will ensure you can get high quality medical services. The Canadian government put the system as the government to Canadian people contract obligation; This system makes Canada is not only a piece of land full of hope, and are can put hope into reality country.

Source: http://youandmeinsurance.com/2011/07/the-canadian-medical-insurance-system-profile/

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