Zambians working in the formal sector are expected to start paying about K2, 000 per year per person if the proposed Social Health Insurance scheme is implemented by 2015.
Findings by the Zambia Civil Society Health Forum have shown that for workers in the formal sector, the average annual contribution could be as high as K1,423 (US$270) by 2015 if the Social Health Insurance scheme gets underway.
In a presentation at a recent health conference in Lusaka, the Zambia Civil Society Health Forum revealed that the figures are based on a 2008 actuarial analysis which calculated that in order for the scheme to be financially viable, a family of six would be contributing around K120 (US$22) per month – just under K20 (US$4) per person.
The SHI scheme will be phased incrementally with public servants being the first to enrol on a mandatory basis, followed by formal sector employees.
The large group that makes up the informal sector will be the last to join, with membership of the scheme arranged on a voluntary basis initially.
If this happens anyone not enrolled in the SHI scheme would not be entitled to receive free health services.
The Zambian SHI scheme will consist of a single fund that will be administered by a central quasi-government agency.
The agency, which will be created by an Act of Parliament, will be responsible for overseeing the enrolment of new members, accrediting health service providers, and processing claims.
Funding will come from three main sources namely the payroll deductions from the formal sector (shared equally by the employee and employer), direct contributions from the informal sector through an annual premium, and general government revenue to cover ‘exempt’ groups.
The PF government is moving swiftly to introducing a Social Health Insurance scheme aimed at facilitating Universal Health Coverage and improving the financial sustainability of the health sector.
The Zambia Civil Society Health Forum however noted that there is a real risk that the planned SHI scheme will not achieve these objectives.
The Forum observed that in practice, other countries that have taken a similar approach have had little success in extending coverage and all too often the poor and vulnerable left excluded.
It said in low-income countries, introducing complicated and expensive systems to collect insurance premiums from the largely poor informal sector is both inequitable and inefficient.
“Insurance contributions from the informal sector rarely raise much revenue; in Ghana premiums paid by the informal sector contribute just 5% towards the cost of the National Health Insurance Scheme (with over 70% of the funding coming from a levy on VAT),” the Forum points out.
It added, “there are also significant costs involved in administering the scheme, this would involve marketing and promotion activities, collecting premiums (sometimes door-to-door), and managing renewals. In Kenya and Tanzania, where SHI has been limited to formal sector employees, attempts to ‘roll out’ the scheme to the informal sector have proved extremely difficult.”
It demanded that Zambia’s existing Free Medical Programme must be maintained.
The Forum charged that Zambian citizens have the right to decent quality health care accessible to all adding that with the current economic growth of 6.2%, the country has a good opportunity to start its march towards Universal Health Coverage.
“However, the proposed Social Health Insurance scheme risks excluding the poorest people in the informal sector who will not be able to afford premiums. Now is the time for the Government of Zambia to deliver on its election promises and ensure that decisions made today do not compromise the health of future generations,” it stated.
Campaign strategy or what? try and error kills
Will this bring improved health care? i.e primary care and specialized care on demand?
Is the Zambian Civil society for health forum mandated to speak on behalf of government? The figures and picture presented in the article above are totally false and poor speculation. I urge the Lusaka times and the said NGO to approach the Ministry of Health and get their facts right on this well intended and thought out social health scheme for all citizen of Zambia.
Would be great if you refrained from using a racial slur as part of your name. Apart from dehumanizing blacks, it shows a distinct lack of class. Why would a cultured Zambian adopt ghetto culture?
Someone recently said “Whenever you use that word, remember that that’s the last word black people heard just before they died, as they were hung from a tree”
Think on it.
The rest of your comment – blah blah blah to me.
@highspeed black mama
You have no moral high ground to lecture the rest of us. The fact that you refer to black in your own name connotes a raical prediliction to your identiy- which you proudly proclaim to have reclaimed.
By use of the N word I choose not to be a victim but used it in a disempowering way for those who use it as a racial slur. Think about it!
In addition you missed the substance of my comments. We should not allow falsehoods to become subject of public discourse as if its gospel truth. I know for a fact that the figures and details given in the article are false.
@Nigga
You can hardly compare ‘Black’ in my name to “Nigga” in yours. The last time I looked, Black is not a slur.
The disempowering argument is old. The fight is now against institutional racism, not epithets. We’ve moved beyond that and are fighting higher causes. Let the term die from disuse.
Let’s agree to differ on this one. As for the substance in your comment, I couldn’t get past “Nigga”. So yes, I didn’t and won’t have the privilege of reading it.
Universal health coverage is now a goal for every WHO memeber country. Such schemes aim to insure that afforadable contributions are fairly based on income and acess to services are based on need. In otherwords you don’t have to pay for services at the point of use. There are no lifetime or annual limits on benefits, people with pre-existing conditions are not denied cover, cover isn’t dropped when you get sick, you have a wider choice of both public and private providers, premium rate increases are regulated for cost containment, the money raised is complementary to other income streams for investments in Quality care. Many countries all over the world, even in africa, such as Rwanda, Ghana, Kenya, Tanzania, are already implementing such schemes and are beginging to reap rewards.
Banning any word is not acceptable. Words have, gain, or lose power over time. “Nigga” is a complicated word these days because many celebrites like Jazy Z have embraced it in order to take away some of its potency. Many people have embraced F word, groups call themselves “Pu@sy riot”- Should those words be banned as well? Just because a word makes some people uncomfortable does not warrant its removal from the language. Words grow and change in meaning, new words become the offspring of older words. Ie: “Wiggar”= White boy who plays hip hop music and enjoys rapping… this is what they called Eminem in several articles. Words have an appropriate place and time, I am just saying- but I think popular culture and hip-hop have ensured that word will be with us forever
A vastly unrealistic dream in the age of inflationary pressures,unaffordable mealie prices and slower economic growth.
The proposed health scheme is a far better use of public funds than spending on beer, cars, expensive trips, by elections, workshops, and many things people waste money on.
@Zambia First, your argument holds for as long as people will get a quality service in return. However, if this is just another way of taxing people then the scheme is likely to collapse in no time at all. It will also be imperative that the majority of the funds go towards actual treatment of patients rather than payment of highly salaries to medical staff.
@zambia1st ….Ati public funds buying beer and people wasting money? You’re mixing public funds & private capital as if they’re the same thing.
@Enka
Agree whole heartedly with you.
People pay road, carbon, tv and so on taxes but look at the state of service delivery. I hope this is not another gimmick to siphon money from people to pay for luxurious life styles for these ministers. It’s only fair to pay for services if you get them in the first place. Zambia could benefit from health tourists if we had state of the art medical facilities. The idea is good on paper but the execution would probably take a Zambian twist just like all the other projects.
Totally agree with you.Please bench mark from your neighbours Botswana.,who are in the procss of turning all the major hospitals centres of excellency.
“Universal health coverage means quality health care for all delivered in ways that protect users from financial ruin or impoverishment. Universal health coverage is the single most powerful concept that public health has to offer. It is inclusive. It unifies services and delivers them in a comprehensive and integrated way, based on primary health care.”Universal coverage is the best way to cement the health gains made during the previous decade adding that it is a “powerful social equalizer and the ultimate expression of fairness” It is a powerful social equalizer, contributing to social cohesion and stability. It is not cheap. But when well-planned, universal coverage is affordable! Dr Margaret Chan, WHO Director
Watch a video on the following lhttp://www.youtube…
@ Universal
Thank you for quoting this. It’s what I’ve been trying to say.
That’s the way to go if we want world class multinational hospital groups to invest in our country. For sure, it will lead to health inequalities as is the case , I hear, in South Africa, but over all, it will save a lot of money for Zambia as our rich wont have to be flying all over to seek medical attention. Once again, bravo to PF for all these unpopular but rewarding developments.
But what about our poor? I just can’t dismiss the ‘health inequalities’ you so readily accept.
Any one of us can be subject to those inequalities due to old age, unemployment or a severe illness that disables you from working. At any time.
Countries that have this system are able to provide a safety net for These situations. Can we?
Support the rich at the expense of the not as rich?
What a joke and where does it end? The money for the health sector, education and security should be priority each year when the budget is made. If there is not enough cash maybe its time to cut back on non essential expenses or worse go the Mugabe way and force all those rich foreign companies to contribute more. You cannot possibly ask the little old ladies selling kapenta at the market to start paying that kind of money for medical insurance when they can barely make ends meet. When it comes to insurance there is one guarantee and that is the rates will go up every year.
Agree with you totally.
NO MONEY IN YOUR POCKETS!
The tax relief system in place in Zambia gives peanuts with out hand, and reaps a harvest of the whole field with another.
It creates the impression your earnings are getting better, and then takes even what you had prior to the pay increase through removal of certain consumer economic benefits such as fuel, mealie meal, and now the medical levy.
In the case of civil servants, who knows if their September improved conditions will even be honoured, when some of our local authorities cannot pay their employee, even though they are raking in so much money from various levies, in addition to the budget support from central government.
It is now NO MONEY IN YOUR POCKETS, contrary to the hope that was aroused.
“Social Health Insurance and Univeral health coverage isn’t something to play politcis with. The economy isn’t something to play politcs with.”. Barack Obama
All WHO member countries are moving to introduce such schemes to improve acess to quality care with protecting individuals (Poor and rich) from the finacial hardships when acessing care.
We cannot contiune with the status quo. Surely when you realise you are walking in the wrong direction, wouldn’t you turn back or change direction?
Zambia is on the right track to begin to fix this broken health system
This is the way to go, we urgently need the Social Health insurance scheme as Zambia. Hospital bills are very expensive and people end up borrowing money, selling their goods or worse still avoiding going to the hospital because they have no cover when unexpected sickness strikes. In addition, such systems have the rich subsidize the poor while the healthy subsidize the sick- so this scheme is good. The contributions are based on ones ablity to pay so you have the rich contributing more than the poor which is fair The money raised in such schemes is used to improve the quality of services. Its erroneous to suggest zambia cannot scale up to cover the entire populations when it will phased. Most countries that have reached universal coverage same manner. Let’s support such good programs
Where are the millions(rebased) saved from subsidies? Why have a govt more than twice the normal and required size? Why spend so much on bye-elections? We,re not dull.
It’s good but we’ve to deal with the three questions first otherwise it’s hypocrisy on the part of govt,no wonder there support is diminishing.
666!
twaleni ubututu uko
Extra money for more by elections.
Just broaden the tax base by reducing the threshold eg.K500-k1000 at 5%,k1000-k2000 at 10%,k2000-k3000 at 15%,k3000-k5000 at 20%,k5000-k7500 at 25%,k7500-k10 000 at 30% then above k10 000 at 35%.Also strategise on how to collect tax from the informal sector i.e housing rentals.
I agree with you. I have another idea, which may be nonsense to those of you well versed in taxation.
Why can’t we just have a uniform rate across the board? Everyone pays 10% of their earnings. There would be no need for tax brackets.
Someone tell me why this wouldn’t work.
I totally agree with “High speed black mama”, why having higher percentage for high earning people? the little i know about maths, a higher percent of small amount its still small. so lets every one pay 30%, for someone getting K1,000 its K300, while for some one getting K10,000 its K3,000. and more ever, 70% of Zambian are in low earning brackets and they one who need this, so while not tax them? I dont subscribe to these Robin wood mentality, of rich subsidizing the poor. if you need a better life for yourself and your children, one need to work hard. Zambia has a lot of opportunity for every one to be rich (if a grade 7 chinese, who doesnt even know english or any local language can come and make money here, why not us locals?)
Because a flat tax percentage hits those with the least hardest. And the idea that the poor don’t work as hard is false; many of them are running around, trying to make ends meet in whatever way they can. There aren’t enough jobs, too much of Zambia’s wealth leaves the country, certain business practices keep the money concentrated at the top, many people don’t have the necessary training or education to get better jobs (nor the means to access such training), and for many Indian and Chinese workers, they have the connections that enable them to get a job. Knowing someone is so important to finding a job, and that’s why people who grow up in the compounds, the villages, are often stuck there.
@AnAppealto CommonSense
Thank you for answering my question. So it’s totally for equitable reasons?
I still think that if from birth, no question, everyone knows that 10% goes to taxes it would be a normal way of living and it would be factored in salaries. No loopholes, no excuses, 1 rate for everyone.
Pretty much like tithing to the church – it’s 10% for everyone.
My knowledge of taxing is pretty scant, but if conservatives generally like flat tax rates, that tells you they hurt the poor. A bus driver making 60,000 rebased Kwacha a year paying a 10% tax of 6,000 is hurt much more than a USAID worker making 250,000 Kwacha a year and paying 25,000 Kwacha a year. (I’m unsure how taxes work for foreign development workers, but I need some sort of example). That bus driver, who at least has a job, pays one fifth of his monthly salary in rent and taxes (assuming he lives in a compound in Lusaka). At least another fifth of his salary goes to food, if he has a family. The aid worker (assuming his company doesn’t provide his housing) might also spend a fifth of his salary in rent and taxes, but he has so much more left over.
The problem with a flat tax rate is that if it’s too high, lower income people can’t pay it, and if it’s too low, there’s not enough money for public services. The income bracket taxes are better because those with more income have more income that they don’t need to survive and can pay more. I know many conservatives would disagree with me, but that’s my opinion on why a flat tax will fail (Herman Cain, the former U.S. presidential candidate, had a flat tax plan that I think ultimately helped doom his campaign).
@AnappealToCommonSense
Thanks for taking the time to explain at length. Makes sense.
Also, never before have I held a conservative view!
Thanks Man!
When sata was minister of Health, he introduced the scheme. When he became president, he abolished it and made it look as Rupia’s scheme. In shot, it never worked. There are many schemes available today, use them.
way to go Government, i may not agree with everything you plan ,but on this one i agree. those of us who have had an opportunity to travel around the region and beyond know that if correctly implemented, this scheme will go a long way in helping people.
I like you, am in the US.
My personal belief is that Health should be free at the point of sale. Meaning you can go to any hospital without being asked for money. It’s not really free because the money has already been deducted from your taxes.
It’s one of the things I detest about this country. The Health insurance companies, Pharmaceutical companies have a vested interest in maintaining the status quo.
Zambia cannot administrate such a complex system anyway, albeit on a smaller scale.
Health Care (in my opinion) is the very least a government should provide its citizenry.
When big investors come and put up big hospitals like where we are,that will be the time most of us will be happy to come and serve our fellow zambians
Why does it have to be big investors who ‘come’? Why can’t we as a country get to a stage where we can put up big hospitals ourselves?
Your point about coming back to serve fellow Zambians is a chicken and egg situation. Which comes first – you returning to help build these wonderful hospitals or as you suggest, the hospitals are first built before you come?
Not criticizing you at all. Most of us that have emigrated have at one point wrestled with the question of putting personal gain against staying for the good of Zambia.
…This is definately NOT the way to go! Anything to do with Insurance is just a way of making money by Insurers! People will be ripped off; many wont afford it and will inevitably die – we dont want that to happen in our country.
Such schemes are there in the USA and those without health insurance die….that is why Obama was campaigning for a free health service…like the one already in Zambia – so why change it?
With by elections and politicking, there is no guarantee that Govt will use the money as intended; so even those who can afford health insurance will never get the intended benefits. NAPSA is a good example.
The UK has the best Health Service in the world [The NHS] which is funded by the tax payers and is free to all. Those with money can still go to private hospitals…
@Julu
Agree totally with what you wrote Julu.
Let me also add that I’ve experienced both US and UK system.
US system is not about your health. It’s about money.
Give me the NHS any day.
I agree with this proposal 100%! Also work out a mechanism of recovering all student bursaries ( BC) from alumini of government bursaries from since when our universities started and reinvest the money back into education. I pray the proposed mechanism of student loans is functional now. The 1960s when we had it free for all are gone!
It’s about time ba PF!. People will need a mind set change to realize that good quality health costs money nothing is really free and not everyone can afford to travel abroad for healthcare. The contributions should be fairly set based on income and allow for investments in public and private hospitals. Those of us who have travelled have realized this is how countries have improved services. Also such schemes ensure people don’t have to look for money when they get sick because the insurance agency covers the costs from the contributions from the population. This is an investment in our health which we need to be productive citizens for our economy. It’s more important than politics, by elections, football, beer, and most things we spend our money on. Start the scheme now!
We are ahead in South Africa.
We are currently in the process of introducing an innovative system of healthcare financing with far reaching consequences on the health of South Africans. The National Health Insurance commonly referred to as NHI will ensure that everyone has appropriate, efficient and quality health services because the national budget or medical bill will not be sustainable 5 years from the now because of the increasing population.
I don’t know.
On a humanitarian level, I think Evereryone should have access to Health Care funded through taxation. I can’t stand the fact that the quality of care you receive depends on how much money you have. In the US it’s even related to your employment. No job, no insurance and therefore no quality healthcare if any at all. God help you if you lose your job or fall really ill. A lot of people are bankrupted simply because they fell ill.
I have heard doctors here being so frustrated because even though they know what is required to treat a patient, they can’t administer it because the patient’s insurance does not cover it.
It’s health care at a premium, literally.
I don’t agree. South Africa has one of the most unequal access to health insurance in the world. Only 16% of the population (the rich) can afford the expensive private health insurance premiums and actually consume over 50% of resources while the remaining 84% of the rest of population depend on the poorly performing public hospitals. The private sector has threatened to frustrate South Africa governments effort for to introduce the National health insurance. The minister of health in South Africa has admitted that it will take them 14 years to implement the new scheme. Zambia must not follow such a model.
Zambia is starting on the right foot by ensuring this is a government lead scheme for the poor and rich. Zambia must not allow private insurance companies to dominate like in SA
What about Ghana? I know it was mentioned in the article, but I thought their system was working well (with flaws, but all health systems have some flaws). I agree with those asking to be wary of private health insurance, such companies inflate costs and skew what kinds of treatment people get. Why isn’t more funding coming from taxing the mines? They are not putting nearly enough back into the country compared to what they take out.
Yes, go ahead and implement. It is long overdue.
Also look at tertiary education. Introduce a loan scheme and ensure that whoever went to Uni/college at tax payer’s expense and is in employment should start paying back at realistic installments. Way to go, please.
My worry is, won’t this be another NAPSA, NPF, ZIMCO pension kind of bureaucratic, red taped maze of complexity?
When Government can’t pay civil servants, it will be like, “borrow from the health insurance scheme”, until the whole thing will crumble. I’m skeptical.
So long as they put up systems that are tired and tested all over the world, this will be revolutionary for funding and investing in our zambiann health system…. We all need this type of scheme. We have funds for everything except healthcare, this needs to change. Lets implement this and put saftey measures in the act to protect this fund for health services.
This is just idle talk, running a health insurance is not an easy undertaking, it’s complex and requires a sound financial backing and administration, not politics.
The successive Zambian governments have lamentably failed to maintain decent hospitals including the so-called university hospital in the capital.
Here in the UK there are numerous health insurance services from which to choose and they are well backed by the well managed NHS and many private hospitals enabling the patient a wide choice at competitive rates.
Keep on dreaming and come up with another version of TAZARA, Zambia Airways, UBZ, ZR etc.
Don’t underestimate the ability of Zambians. They will develop a world class system for those not able to enjoy the system in the UK. The country has highly qualified staff that can run this scheme. We all want better health services in Zambia.
@Obamacare,
I agree with you, Zambia has some top brains who are performing with excellence in their various professions here in Europe and elsewhere around the world. For example, I attended the Hammersmith hospital in London last year and guess what, I was seen by a Zambian medical professor whose name I cannot mention without his permission.
The problem I highlighted has nothing to do with the ability of Zambian professionals but the failures of GRZ to plan and poor handling of finances which is why experts like you ‘Obamacare’ have left Zambia.
this government for sure came to care for its people wonderful idea guys. just our closest neibour tanzania they applied the same and its really producing fruits to its people. GO PF GO .I support it 100%.
Such kind of system works well in developed countries. What about those people who have no jobs? Where will they get the money.
I doubt if it can work in Zambia a poor third developing country. More than 50 % of Zambians do not make that money per month. Then where would expect them to get the money to pay for healthy insurance.
@Zambia first
The fact that someone is already talking about
1. Putting up 10 universities in Zambia
2. Upgrading road infrastructure so massively
3. Building 50 new health centers clinics etc
Is a good sign that years of docility are gone. We now have people in GRZ who are working.
Bravo pf!One has said dat de 1 Sata intieteD wen he was minister of health flopped.Who made it fail?lt is Zedians like u who re not responsible.Whobehave like monkeys in a maize field.De implementation was pathetic.Dis time ‘ll nid implementation.
Shouldn’t people who have already arranged their own insurance through private insurers be exempted from the mandatory scheme?
This is a brilliant idea but it can never work in zambia if anything let it be left to private investors. Or else it will be more money in pf cadres pockets I.e directors pf, employees pf we will not accept it.
Avoid private sector for such national schemes. A private company would simply be driven to make profits for its shareholders and therefore would have no incentive to provide cover for the poor. The profits also makes it very expensive for such companies to run such a scheme and they pass on the costs to poor members at very high premiums. In the otherhand, a government entity would be require by law to cover everyone and their admin costs would be capped with no profit sharing as a government entity doesn’t have share holders- in the end the premiums should also be much cheaper. Nonetheless, the government entity can work with private entities to develop the systems for such a scheme and in that way the zambian people will get the best of private and public sector thinking in the design.
Good move.
” Zambians working in the formal sector are expected to start paying about K2, 000 per year per person if the proposed Social Health Insurance scheme is implemented by 2015. ”
This neoliberal garbage has to stop.
No fees for education or healthcare.
Zambians are already paying taxes – pay education and healthcare from those taxes, not from extra fees on top of their taxes.
Or is it because the mines aren’t paying taxes or dividends to the government?
The final fact remains that Zambians are already paying for their healthcare and education – when they pay taxes.
There is no need to add charges on top of that, it is hostile to the middle class, people’s purchasing power, and the demand side of the economy.
Say no to neoliberalism.
@Mr K
I agree that Zambians are taxed for these services already and that funding should come from other entities.
I have no opinion on “NeoLiberalism” because I don’t know what it means, and I’m too lazy to google.
This is too expensive. In Countries like Russia, and other Asian countries, insurance is not more than $100 per year. Let’s not jump steps to development. There are many ways of raising money. GRZ can just introduce a tax on big multinational corporations. ZCCM used to use it’s resources well. These big companies reaping off Africa must pay back. Those mines were privatized at a loss and you call that fairness? Just because some wrong economist at World Bank and IMF advised our small thinking leaders wrongly. Zambia must not pay for health when we have natural resources lying underneath. The world is not fair and don’t be cheated that you will be treated well in Europe? It’s time to fight for what’s Africa’s. We’ve suffered way too long. Wake up mother Zambia. Get a grip on your…
I am not an expert on health insurance schemes, but would like to observe that most of the debate above has been very mature and constructive. Even where people are divergent in their views, they have argued well. The likes of ‘high speed black mama’, ‘The London Eye’, ‘Obama care’, ‘Zambia First’ etc. Its one of the few topics where there has been a more thought-out constructive debate than the usual responses based on insults and sheer nonsense.
If all exchanges of ideas were like this… well, its only a wish.
I find it disappointing that civil societies organisations are trying very hard to scare people every time the PF govt comes up with any policy!
What is the difference between universal health care and free medical programme? This is one and the same, all people receive free medical care under universal health care like the one in the UK. Ghana is not a model country in terms of healthy care provision for it to be used as a reference on which to base any findings, why not use South Africa? Acting on rumours is a very dangerous move for CSO’s, they should work with facts. I doubt if any of these CSO’s consulted the medical professionals to get their views because the population is increasing and you cannot expect a few individuals to continue to pay taxes to cover medicals for millions!
MIG you are quite write, because the free medical programms as suggested by CSOs generally they are talking in a sense that, the Government should increase tax to its citizens to make sure that they get what they call free medical services, but in real sense there is no free services anyway!!! someone should pay it for you, so who pays? that is the question to answer, so in one way or another, the free medical services is very expensive as compared to calculated rate of contri9butuon that the civil service employees will be contributing.
If they are real objectives, they could buy your ideas for the benefits of all Zambians
Bravo MiG
HIV drugs are expensive, people need to contribute something! There many marketeers and street dealers who are millionaires and pay nothing in terms of tax to the government but access free medical care, which is not fair to the hard working Zambians in formal work who are paying taxes.
Social health insurance is a tax in a universal health care, these CSO’s do not understand what they are talking about. it is very different from the American system which is operated by greed capitalists for a profit. We need this specific medical tax for our healthy system to survive, the HIV medication is an expensive venture and the numbers of people on antivirals is increasing and that means a large share of the medical budget will have to be spent on ARV’s at the expense of other diseases in…
Just to give progress on the move towards Universal Health Coverage, currently the Government of Tanzania is on the way to take the bill to the Parliament for NHIF to extend its coverage to cover the vulnerable groups and the Informal sector employees, so the comment that Tanzania has found difficult for extension of coverage to informal sector as commented on the main report is not correct, we are moving and probably by 2015 we will be in good position to record reasonable rate of population coverage
High speed black mama, you’re enlightened. Your uniform rate is a wonderful idea albeit arrogant PF can not listen to advice.
Social health insurance ensures that all people can use health services without financial hardship. WHO Member States have set themselves the target of developing their health financing systems to ensure universal coverage. Universal coverage means that all people can use health services, while being protected against financial hardship associated with paying for them.The most effective way to provide universal coverage is to share the costs across the population. In this way, people make compulsory contributions – through taxation and/or insurance – to a pool of funds. They can then draw on these funds in case of illness, regardless of how much they have contributed. For example, the pooling of general revenues with insurance payroll taxes can helped improve access to quality health care
I think health care should be run like public universities and other public institution with proper supervision from the Government to ensure better services. Let those people who have money and want more than better services to go to private clinics. Implementing a system where people have to pay such amount of money for health insurance will lead to the health system like the one in the USA which too expensive with poor people lacking health care. Eventually the prices for insurance will go high and a lot of people will be left out without having health care. I live in the USA , and l pay $ 500.00 for health insurance per month. This amount is just for me, my wife and my son combined. Which l think is too high.
Introduce a new tax on goods and services to cover the informal sector then the formal sector can keep receipts and claim the tax back as a tax return at the end of the year. Or the tax can be removed at the shop if you present your medical insurance card. The money generated from the tax can then cover the poor
Or the uninsured
Let’s hope its not going to have strings attached, meaning, as the bible says! Having the mark of the beast on our fore heads and arms in order to access these medicals………like the obama health care is being done! With recorginition marks, no mark no access! Fellow christians let’s pray and ask God for wisdom.
THE MOVE SHOULD ALSO BE TAILORED TO IMPROVE ON PROVISION OF QUALITY HEALTHY CARE.
The money will end up in the wrong hands.
Ba MIG Stop yapping about the expense on medication like arvs if moarn that they are exepensive find the cure and you will offset the cost that goes with procuring such drugs.above all no one knows up to now the origin of hiv only speculations some say it was created in a lab,it came from a chimpazee,etc so if you still dont know where it came from how can you find a cure for it?and if scientists have failed to find medicine that can kill the mutating virus in body what do you expect sick people to do? the only way is to continue with the available medication.
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Mr Mark Brandon
This will probably spark mass protests ,peole are poor for christ sake,
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