SOWK1001 Introduction to Social Administration

SOWK1001 Introduction to Social Administration - SOWK1001...

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OWK1001 SOWK1001 I NTRODUCTION TO S OCIAL MINISTRATION A DMINISTRATION 2009-2010 utorial WED 9:30 10:20 Tutorial WED 9:30~10:20 Lai Mei Kwan Michele 2008078522 1 Mo Yik Wai Jenny 2007255903 Li Shun Ka Milly 2009006320
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C OMMENT ON THE VARIOUS OPTIONS OF FINANCING THE M EDICAL & H EALTH C ARE IN H ONG K ONG AS SUGGESTED BY THE SAR GOVERNMENT IN ITS CONSULTATIVE PAPER , 2008. E XPLAIN YOUR OWN CHOICE OF OPTION . 2
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D IFFERENT F INANCIAL O PTIONS Social Health Insurance ( 社會醫療保障 ) Out-of-Pockets Payments ( 用者自付費用 ) edical Savings Accounts Medical Savings Accounts ( 醫療儲蓄戶口 ) oluntary Private Health Insurance Voluntary Private Health Insurance ( 自願私人醫療保險 ) andatory Private Health Insurance Mandatory Private Health Insurance ( 強制私人醫療保險 ) Personal Healthcare Reserve (PHR) () ( 個人健康保險儲備 ) 3
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1. S OCIAL H EALTH I NSURANCE Mandatory employment-based and income-linked Require to pay a certain amount of his income for medical social insurance The “insurance fee” is shared by the whole society and is managed by the yg y central government for funding the specific medical service p 4
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Advantage: quitable healthcare Equitable healthcare like taxation e everyone an equal opportunity to the give everyone an equal opportunity to the medical services ore stable financing More stable financing a wider tax base because it targets as well as the eneral public general public ∴can provide a relatively more stable source of nancing than raising lary tax financing than raising salary tax 5
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Disadvantages: creasing burden on future generations: Increasing burden on future generations: increase seriousness in the ageing problem More young generations have to support the older one. yg g p p Encourage over‐reliance on highly‐subsidized healthcare and lack incentives for its judicious use: Fee is not paid by themselves People won’t use the service probably the example of Belgium illustrates the disadvantage etween free payment and inefficient medical services between free payment and inefficient medical services. Increasing contribution rate: contribution rate would have to be increased in future the medical expenditure will raise due to the increase of ageing problem and the utilization of healthcare Japan’ example. 6
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2. O UT - OF -P OCKETS P AYMENTS the general public only need to pay 5% of the medical cost due to the high subsidization of the overnment government.
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This note was uploaded on 07/29/2010 for the course SOWK SOWK1001 taught by Professor Dr.yeungsum during the Fall '10 term at HKU.

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SOWK1001 Introduction to Social Administration - SOWK1001...

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