Health benefit utilization and out-of-pocket expenses in outpatient care and hospitalizations: Baseline surveys of three primary care sites in the Philippines

Background@#The Philippine Primary Care Studies (PPCS) is a network of pilot studies that developed, implemented, and tested strategies to strengthen primary care in the country. These pilot studies were implemented in an urban, rural, and remote setting. The aim is to use the findings to guide the policies of the national health insurance program (PhilHealth), the main payor for individualized healthcare services in the country.@*Objective@#The objective of this report is to compare baseline outpatient benefit utilization, hospitalization, and health spending, including out-of-pocket (OOP) expenses, in three health settings (urban, rural, and remote). These findings were used to contextualize strategies to strengthen primary care in these three settings.@*Methods@#Cross-sectional surveys were carried out using an interviewer-assisted questionnaire on a random sample of families in the urban site, and a stratified random sample of households in the rural and remote sites. The questionnaire asked for out-patient and hospitalization utilization and spending, including the OOP expenses. @*Results@#A total of 787 families/households were sampled across the three sites. For outpatient benefits, utilization was low in all sites. The remote site had the lowest utilization at only 15%. Unexpectedly, the average annual OOP expenses for outpatient consults in the remote site was PhP 571.92/per capita. This is 40% higher than expenses shouldered by families in the rural area, but similar with the urban site. For hospital benefits, utilization was lowest in the remote site (55.7%) compared to 75.0% and 78.1% for the urban and rural sites, respectively. OOP expenses per year were highest in the remote site at PhP 2204.44 per capita, probably because of delay in access to healthcare and consequently more severe conditions. Surprisingly, annual expenses per year for families in the rural sites (PhP 672.03 per capita) were less than half of what families in the urban sites spent (PhP 1783.38 per capita). @*Conclusions@#Compared to families in the urban site and households in the rural sites, households in remote areas have higher disease rates and consequently, increased need for outpatient and inpatient health services. When they do get sick, access to care is more difficult. This leads to lower rates of benefit utilization and higher out-of-pocket expenses. Thus, provision of “equal” benefits can inadvertently lead to “inequitable” healthcare, pushing disadvantaged populations into a greater disadvantage. These results imply that health benefits need to be allocated according to need. Families in poorer and more remote areas may require greater subsidies.

Government Health Insurance Schemes and Their Benefits to The Indian Population: An Overview

In today’s scenario accelerating cost of health significantly impact the health of people and the populace creat-ing a monetary burden on poor households. One of the key concerns while tackling healthcare disparities is out-of-pocket expenses (OOPE). Providing financial safety and provide universal coverage to the entire popu-lace are the main goal of health schemes. Health policies in India are based on equity prioritising the needs of the poor and underprivileged. Likewise, there is a discrepancy in the consistency of information and knowledge regarding the scheme among the beneficiaries. A review was created to help medical and nursing professionals to gain comprehensive knowledge of various health schemes. We tried to give an overview of various health schemes including Ayushman Bharat Yojana, Aam Aadmi Bima Yojana (AABY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Rashtriya Swasthya BimaYojana (RSBY), Central Government Health Scheme (CGHS), Employees State Insurance Scheme (ESIC), Employee Health Scheme and various state-level health schemes. include, Yeshasvini Health Insurance Scheme, Mahatma Jyotiba Phule Jan Arogya Yojana, Chief Min-ister Comprehensive Health Insurance Scheme, Mukhyamantri Amrutum Yojana, Karunya Health Scheme, Awaz Health Insurance Scheme, Telangana State Govt Employees and Journalist Health Scheme, Dr Ysr Aarog-yastri Health Care Trust, Mukhyamantri Chiranjeevi Yojana, Rajasthan Government Health Scheme (RGHS), and Aarogya Raksha.

Awareness, willingness, and challenges of the informal sector toward state National Health Insurance Services in Benin City, Nigeria

Background: As access to vital health services expands and universal health coverage is attained, health insurance is projected to serve as a critical risk protection for families and small enterprises. Aim: To assess the informal sector’s awareness, willingness, and problems in enrolling in the state national health insurance program. Materials and Methods: This cross-sectional descriptive study was done in Benin City, Nigeria, in the unorganized sector. A self-structured questionnaire was created, distributed, and retrieved for this study, which was conducted among 155 artisans chosen through a stratified random sample procedure. To evaluate the data, Statistical Package for the Social Sciences, SPSS version 22 was used. Results: In total, 138 people (89.0%) are aware of the National Health Insurance Scheme (NHIS), while only 93 people (60.0%) know that Edo state has a state-owned Health Insurance Scheme (SHIS). Only 17 people, or 11.0%, are engaged in the NHIS/SHIS program, whereas 107 people, or 77.5%, have expressed interest. Lack of accessibility to authorized healthcare facilities near house 22 (71.0%) is a significant deterrent to enrollment in the program. Long lines at service points (3.88, 1.093), the time it takes to enroll new members in the program (3.78, 1.101), the time it takes for health maintenance organizations to issue authorization codes (3.62, 1.316), the accessibility of NHIS services outside of registration institutions (3.29, 1.289), and the standard of drugs provided by the SHIS (3.12, 1.358) are all factors that hinder utilization. Sex and place of residence each strongly correlated with readiness to sign up for the program (AOR = 4.234, P = 0.017, 95% CI: 1.293–13.873 and AOR = 5.224, P = 0.007, 95% CI: 1.557–17.530, respectively). Conclusion: The artisans have a low rate of health insurance coverage but are eager to sign up for the program. State policymakers should increase their reach and make enrollment required to attain a higher range.

A summary on surveillance system of occupational disease under the framework of National Health Insurance Informatization Project / 中华劳动卫生职业病杂志

The surveillance of occupational disease has entered a new stage ofdevelopment, with the implementation of the national health informatization project. To improve the efficiency and quality of occupational disease monitoring information reporting in this paper, the system architecture and related management regulations, as long as the major changes and achievement of "surveillance system of occupational disease and health hazards information" under the framework of National Health Insurance Informatization Project were elaborated. The deficiencies existing in the system were analyzed, and expectation for the construction of the occupational disease surveillance system was addressed.

Healthcare providers' satisfaction with participation in private health insurance scheme in a city in the southern Nigeria

Health insurance coverage in Nigeria is still very low as over 70% of health care expenditure is financed by out-of-pocket payment. Health care providers are critical participants in the private health insurance scheme, therefore, their perception and satisfaction with the scheme is fundamental in ensuring sustainability. This study assessed health providers' satisfaction with private health insurance scheme in Port Harcourt Rivers State.Method: A descriptive cross-sectional study which engaged a two-stage sampling method to recruit 60 participating health facilities and 180 responding health personnel by simple random sampling at each stage. A structured, pretested interviewer-administered questionnaire was used to collect data on the levels of satisfaction with the four major domains of satisfaction viz; billing rate, payment models, HMO administrative processes and claims management. Data was analysedusing of SPSS, version 26. Characteristics of the responding facilities were tabulated and compared. Level of satisfaction was deduced by Likert Scale according to the domains of satisfaction. Regression analysis with p-value was set at less than or equal to 0.05 was used to determine the predictors of satisfaction with participation in health insurance. The level of satisfaction with negotiated billing rates, payment models, HMO administrative processes and claims management were analyseddescriptively, and results were presented as means, standard deviation, frequencies and percentages, in tables, pie and bar charts

Determinants of enrolment in health insurance scheme among HIV patients attending a clinic in a tertiary hospital in South-eastern Nigeria

Objective: The study aimed to assess the determinants of enrolment in health insurance schemes among people living with HIV. Design: The study was a cross-sectional study. A pre-tested interviewer-administered questionnaire was used to collect information from 371 HIV clients attending the clinic. Chi-square statistic was used for bi-variate analysis, and analytical decisions were considered significant at a p-value less than 0.05. Logistic regression was done to determine predictors of enrolment in health insurance. Setting: The study was carried out in the HIV clinic of Alex Ekwueme Federal University Teaching Hospital Abakaliki, Nigeria Participants: HIV clients attending a clinic Result: Mean age of respondents was 45.4±10.3, and 51.8% were males. Almost all the respondents were Christians. Only 47.7% were married, and most lived in the urban area. Over 70% had at least secondary education, and only 34.5% were civil servants. About 60% of the respondents were enrolled in a health insurance scheme. Being single (AOR: 0.374, CI:0.204-0.688), being self-employed (AOR: 4.088, CI: 2.315-7.217), having a smaller family size (AOR: 0.124, CI: 0.067-0.228), and having the higher income (AOR: 4.142, CI: 2.07-8.286) were predictors of enrolment in a health insurance scheme. Conclusion: The study has shown that enrolment in a health insurance scheme is high among PLHIV, and being single, self-employed, having a smaller family size, and having a higher monthly income are predictors of enrolment in the health insurance scheme. Increasing the number of dependants that can be enrolled so that larger families can be motivated to enrol in health insurance is recommended

Health insurance coverage and out-of pocket expenditure: A study among rural and urban households of Faridabad, Haryana

Introduction: Catastrophic health spending is one of the major factors pushing people into poverty. Reducing “out-of-pocket expenditure (OOPE)” on health through health insurance coverage is an effective approach. The objectives of this study are (1) to estimate health insurance coverage among rural and urban households (HHs) and (2) to determine the proportion of income spent on health as OOPE among the selected HHs. Material and Methods: A cross-sectional study was conducted in rural and urban parts of district Faridabad, Haryana. A sample of 374 were taken from rural and urban areas. The unit of the study was HHs in both the areas. The proportion of income spent on health care (both direct and indirect expenses included) as OOPE was taken as outcome variable. Results: Health insurance coverage was higher among urban HHs (58.0%) as compared to the rural (38.5%). The rural population was availing of private consultation, laboratory, and pharmacy services to a greater extent than the urban; hence, they were spending a substantial proportion of their income on health-care services. The majority of the HHs in the rural and urban areas spent up to 20% of their income on health care. Conclusion: Universal health coverage without health insurance is unlikely.

Implementation challenges of Pradhan Mantri Jan Arogya Yojana: A Cross- Sectional study in Meerut, Uttar Pradesh

Background: Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana has been launched to provide financial protection expenditure to nearly 500 million vulnerable Indians. For expanding the coverage under the scheme, it is necessary to understand the perspective of health care service providers involved in the scheme. Aim & Objective: To find out the bottlenecks in implementation of PMJAY scheme using empanelled hospitals’ perspective Settings and Design: Cross sectional study Methods and Material: 8 Public and 23 Private hospitals were selected through Simple Random Sampling from the list of PMJAY empanelled hospitals. The PMJAY Medical Officer co-ordinators in the empanelled hospitals were interviewed using a predesigned and pretested questionnaire. Statistical analysis used: Data was analysed using descriptive statistics in Epiinfo software. Results: Among the 31 empanelled hospitals studied, 93.5% were satisfied with the process for empanelment under PMJAY. 64.5% hospitals were not satisfied with the Health Benefit Packages. 77.4% hospitals perceived the PMJAY to be poorer as compared to private health insurance with reasons being poor grievance reprisal, poor claim processing and settlement, denial of reimbursement of health packages, poor rates of health packages and little information about the scheme. Conclusions: Various hurdles are being faced in the implementation of the scheme. There definitely remains a huge scope for further improvements so as to enhance the insurance coverage in the country.

Desigualdade da participação dos consumidores e operadoras na Agência Nacional de Saúde Suplementar / Unequal participation of consumers and private health plans in the Brazilian Regulatory Agency for Private Health Insurance and Plans

Participação social é um elemento fundamental para a legitimação democrática das decisões regulatórias, bem como é um importante instrumento de accountability nas agências reguladoras. O presente artigo apresenta os resultados de pesquisa quantitativa feita nos instrumentos de participação social da Agência Nacional de Saúde Suplementar, especificamente na Câmara de Saúde Suplementar, comissões e comitês da agência, audiências públicas, consultas públicas, câmaras técnicas e grupos técnicos. A pesquisa teve por objetivo mensurar a participação dos stakeholders do mercado da saúde suplementar na agência. Estes foram divididos em cinco grupos ­ "operadoras de planos de saúde", "consumidores", "prestadores de serviço da área da saúde", "estado e servidores da ANS" e "outros" ­ de acordo com o interesse defendido no mercado da saúde. A pesquisa baseou-se nos documentos que registraram a utilização dos instrumentos de participação social da agência, como listas de presença, atas das reuniões e relatórios públicos. Os resultados indicam uma participação mais consistente e organizada das "operadoras de planos de saúde" e "prestadores de serviço da área da saúde", em contraste com os "consumidores", que participam de forma mais difusa, menos organizada e estão menos propensos a participar em câmaras técnicas e grupos técnicos, que são instrumentos que propiciam uma abordagem mais técnica ao debate regulatório.

Social participation is an essential element for the democratic legitimization of regulatory decisions, as well as an important instrument of accountability in regulatory agencies. This article presents the results of a quantitative research carried out with the instruments of social participation of the Brazilian Regulatory Agency for Private Health Insurance and Plans, specifically the Private Health Insurance and Plans Advisory Committee, its commissions and committees, public hearings, public consultations, technical councils, and technical groups. The study sought to measure the participation of Brazilian health insurance market stakeholders within the agency. These were divided in five categories­"private health insurance companies," "consumers," "health care providers," "state and ANS' employees" and "others"­according to the interests defended in the health care market. Data was collected from documents on the use of the agency's social participation instruments of, such as attendance lists, meeting minutes, and public reports. Results indicate a more organized and consistent participation of "private health insurance companies" and "health care providers" on the regulatory debates held by the agency, while "consumers" show a more diffuse, less organized participation and are less likely to take part in technical councils and technical groups, instruments that provide technical approach to regulatory debates.

Judicialização da assistência hospitalar negada por planos e seguros de saúde no Estado de São Paulo / Litigation of hospital care denied by private health insurance and plans in the state of São Paulo

Este artigo sistematizou a legislação e as alterações da regulamentação das coberturas dos planos de saúde entre 1998 e 2020 e analisou 2.845 acórdãos do Tribunal de Justiça do Estado de São Paulo no ano de 2018, relacionados a negativas de coberturas reclamadas por consumidores de planos de saúde. As coberturas hospitalares, dentre as quais destacam-se as cirurgias e internações, foram o principal objeto das demandas, compondo 41% do total estudado. A maioria das coberturas hospitalares excluídas ou negadas não constavam no rol de procedimentos e eventos em saúde da Agência Nacional de Saúde Suplementar. A regulamentação dessa agência, com destaque para o rol de procedimentos e eventos em saúde, relaciona-se com a exclusão de coberturas hospitalares por planos de saúde, sendo utilizada como argumento para a defesa judicial da negativa de cobertura pelas operadoras de planos de saúde, em conjunto com as previsões contratuais. O Tribunal de Justiça do Estado de São Paulo, na maioria das vezes (80% dos casos estudados), garantiu a cobertura hospitalar demandada, fundamentando as decisões prioritariamente no Código de Defesa do Consumidor, na Jurisprudência do Tribunal de Justiça do Estado de São Paulo, nas súmulas do tribunal e na Lei n. 9.656/1998 (Lei dos Planos de Saúde). Conclui-se que o Poder Judiciário, quando provocado, tende a reconhecer o direito dos consumidores ao acesso às coberturas assistenciais, muitas vezes em contraposição à regulação setorial pela Agência Nacional de Saúde Suplementar.

This article revisited the legislation and changes in the sectorial regulation of healthcare coverage from 1998 to 2020, and analyzed 2,845 decisions issued by the São Paulo State Court of Justice in 2018 related to coverage denial against health insurance beneficiaries. Inpatient coverage, among which surgeries and hospitalizations stand out, was the main object of the claims, accounting for 41% of the analyzed decisions. Most of the denied inpatient coverage was not included on the list of health procedures and events of the Brazilian Regulatory Agency for Private Health Insurance and Plans. This agency's regulation, especially the List of Health Procedures and Events, is related to the exclusion of hospital coverage by private health insurance, and is used as an argument for the legal defense for coverage denial together with contractual provisions. The São Paulo State Court of Justice, in most cases (80%), guaranteed the inpatient coverage claims, basing such decisions on the Consumer Protection Code, on Jurisprudence, on the Court's precedents and on Law no. 9.656/1998 (Health Insurance Law). In conclusion, when upon, the Judiciary tends to recognize the right of consumers to access health care coverage, often in opposition to sectorial regulation by the Brazilian Regulatory Agency for Private Health Insurance and Plans.

Falsa coletivização de planos de saúde: expansão, reajustes e judicialização (2014-2019) / False collectivization of private health insurance: expansion, premium increases and judicialization (2014-2019)

A falsa coletivização é um fenômeno crescente no mercado brasileiro de planos e seguros de saúde. Ela decorre diretamente de decisões regulatórias que afetam o setor, especialmente as diferenças entre regras aplicáveis a contratos individuais e coletivos. O objetivo deste trabalho foi analisar a evolução recente do fenômeno sob três aspectos: (i) a expansão desse tipo de contrato, simultânea à redução de planos individuais; (ii) o diferencial acumulado de reajustes para os falsos coletivos; (iii) a sua judicialização e o tratamento dado ao tema pelo Poder Judiciário. Foram utilizados dados da Agência Nacional de Saúde Suplementar, desagregados por empresa, entre 2014 e 2019; do banco de dados de Notas Técnicas de Registro de Produto da agência, entre 2015 e 2019; e dados primários produzidos pela análise de acórdãos do Tribunal de Justiça de São Paulo, proferidos em 2018 e 2019. Os resultados evidenciaram o crescimento do fenômeno dos "falsos coletivos", associado à gradual redução dos planos individuais. Demonstraram, também, o sistemático reajuste das mensalidades acima do teto definido pela Agência Nacional de Saúde Suplementar para planos individuais. A análise de acórdãos mostrou que o entendimento da questão pelo Poder Judiciário não é uniforme, nem em termos do resultado do julgamento, nem de sua fundamentação jurídica. Os resultados apoiam a interpretação de que esses contratos permitem às operadoras burlar aspectos relevantes da regulação do setor, impor reajustes superiores e, quando reclamadas judicialmente, escamotear a legislação consumerista.

False collectivization is a growing phenomenon in the Brazilian health insurance market, stemming directly from regulatory decisions that affect the sector, especially the diferences between the rules applicable to individual and collective contracts. Hence, this paper sought to analyze the recent evolution of this phenomenon under three aspects: (i) expansion of this type of contract, simultaneous to the disappearance of individual private health plans; (ii) premium increases for "false collectives"; (iii) its judicialization and treatment in the jurisprudence. Data was collected from the Brazilian Regulatory Agency for Private Health Insurance and Plans, detailed by company, between 2014 and 2019; the agency's Product Registration Technical Notes database, between 2015 and 2019; and primary data produced by analyzing rulings by the São Paulo Court of Justice, issued in 2018 and 2019. Results show the growth of "false collectives," associated with the gradual disappearance of individual private health plans. They also demonstrate the gap between premium increases and the ceiling set by the Brazilian Regulatory Agency for Private Health Insurance and Plans for individual private health plans. Analysis of the rulings reveal that the Judiciary's understanding on the matter is not uniform, neither in terms of the outcome, nor of its legal reasoning. These findings support the interpretation that such contracts allow insures to circumvent relevant aspects of the sector's regulation, to impose higher premiums and, when contested in court, to evade consumer legislation.

Decisão do Superior Tribunal de Justiça altera o entendimento do Tribunal de Justiça de São Paulo a respeito da regulação de seguros e planos de saúde / A decision by the Brazilian Superior Court changes the understanding of the Court of Justice of São Paulo regarding the regulation of private health insurance and plans

O Superior Tribunal de Justiça tem utilizado, cada vez mais, o procedimento dos recursos repetitivos para construir precedentes sobre a regulação de seguros e planos de saúde. O objetivo deste artigo foi analisar como os precedentes do Superior Tribunal de Justiça, em sede de recurso repetitivo, afetam as decisões do Tribunal de Justiça do Estado de São Paulo em casos individuais. Assim, foi escolhido um caso específico decidido pelo Superior Tribunal de Justiça (Tema 989), que uniformizou a interpretação dos artigos 30 e 31 da Lei n. 9.656/1998. O método utilizado foi o de comparar as decisões do Tribunal de Justiça do Estado de São Paulo sobre a interpretação desses artigos dois anos antes e dois anos depois da decisão do Superior Tribunal de Justiça sobre o assunto. A conclusão foi de que, antes do Tema 989, o tribunal paulista decidia a favor dos ex-empregados e dos aposentados, à luz do valor constitucional da proteção do idoso e do valor contratual da boa-fé, e que depois o entendimento da corte mudou profundamente.

The Brazilian Superior Court of Justice has increasingly used the procedure of repetitive appeals to build precedents on private health insurace and plan regulation. Hence, this article seeks to analyze how such precedents established by the Superior Court of Justice affect the decisions held by São Paulo State Court in individual cases. For this purpose, a specific case decided by the Brazilian Superior Court of Justice (Theme 989), which standardized the interpretation of articles 30 and 31 of Law no. 9.656/1998, was chosen. The text compares the decisions of the São Paulo State Court on the interpretation of these articles two years before and two years after the Superior Court's decision on the matter. In conclusion, before Theme 989, the São Paulo State Court ruled in favor of former employees and retirees, in the light of the constitutional value of protecting older citizens and the contractual value of good faith, and that afterwards the Court's understanding changed profoundly.

Out Of Pocket (OOP) Health Expenditure and Utilization of Financial Risk Protection Measures Among COVID-19 Affected Individuals in Chennai- A Cross-Sectional Study

Background: Pandemic has affected people physically, mentally and economically. India being a growing economic power house, spends only around 1.2% of GDP on health which thereby leads to high OOP spending. This study aims to estimate out of pocket health expenditure and proportion of financial risk protection. Methods: Cross sectional study conducted among Covid-19 affected individuals in Chennai. It was a questionnaire-based study with questions about covid-19 management status, cost and insurance utili-zation. Descriptive statistics and regression analysis was used for analysis. Results: Total of 47 were treated at hospital and 85% of them were treated at private hospital. The mean cost investigations for patients treated at hospital was of Rs. 50000+11547 and for medicines was Rs. 110000+57735. 53% of study participants had health insurance. 29 (54.72%) of them had Covid-19 treatment cost covered under insurance. The multiple regression analysis showed a statistically signifi-cant association between total OOPE incurred and age, religion and socio-economic status. Conclusion: Majority of participants spent for their treatment through savings and borrowing money. OOPE was compensated by reimbursement through health insurance. Provision of quality health care in government hospitals, increase public health spending and creating awareness about health insurance are ways to reduce OOP costs.

Awareness and perception of public/civil servants toward the National Health Insurance Scheme in Minna, Niger State, Nigeria

Background: Nigeria’s healthcare system has been characterized by a decline in healthcare service providers due to the inability of governments to adequately fund healthcare services over the years. Thus, this study aims to assess the knowledge and perception among public/civil servants toward the National Health Insurance Scheme (NHIS) in Minna, Niger State, Nigeria. Materials and Methods: The study was conducted using mixed qualitative and quantitative research methods. The study employed a descriptive research design that is also comparative. Data were collected using questionnaires and presented and analyzed using IBM-SPSS version 25.0 for Windows with the help of tables and graphs. Results: Most respondents were aware of the National Health Insurance Scheme (NHIS), but there was an overall unimpressive perception of NHIS funding, cost, and coverage. Age, gender, marital status, education, and grade level were not considerably associated with knowledge of NHIS (P > 0.05), but those spending more than 5000.00 Nigerian Naira (NGN) monthly on medical bills were more aware of NHIS than those paying ?2000 (P < 0.05). The perception of NHIS was not significantly associated with gender, marital status, grade level, education attainment, and monthly expenses on healthcare services (P > 0.05) but was significantly associated with age. Conclusion: The study concluded that there is a high awareness of NHIS among the study respondents, although not all had in-depth knowledge of the operations of the health insurance scheme. More efforts are required to increase awareness of NHIS and its benefits among public/civil servants in Minna, Niger State, Nigeria, to improve participation in the scheme.

Healthcare Financing in Saudi Arabia: Recent Trend and Future Challenges.

This paper provides an overview of the present healthcare financing system in the Kingdom of Saudi Arabia (KSA) and identify critical issues and challenges that need to be addressed in achieving healthcare system financing goals envisioned under the Saudi Vision-2030. This paper employed a descriptive framework based on literature review, documentation analysis, and secondary data on healthcare financing in the KSA collected from various reports. The study shows that the overall health expenditure as a percentage of Gross Domestic Product has increased from 4.4% (2001) to 6.4% (2018). The per capita expenditure on healthcare was US dollar (US$) 1484.6 in 2018, out of which the government's share was US$ 926.95. After the introduction of mandatory employer-based health insurance, the percentage of public funding on healthcare has slowly declined from 75.2% (2001) to 62.4% (2018), and out-of-pocket spending on healthcare reduced from 18.46% (2000) to 14.37% in 2018. The health financing system in the KSA faces several challenges, including health insurance coverage, access to care, equity, and quality of care.

A bibliometric analysis of literature on the out-of-pocket expense in health in Latin America / Un análisis bibliométrico de la literatura sobre el gasto de bolsillo en salud en América Latina

Objetive:performabibliometricanalysisofthescientific production on out-of-pocket expense (OOPE) published in Latin America from the period 2002 to 2020 is conducted. we The study:use the Scopus database to select related articles about OOPE in LatinAmerica.Bibliometricindicatorswereanalyzedusing Bibliometrix and Biblioshiny R packages. we identified Findings:207 documents and 828 authors during the period 2002-2020. The number of publications increased (12.62% annual growth rate). "Salud Publica de Mexico" was the leading journals in number of publications. The majority of publications came from developing country collaboration with developed countries such as United States or United Kingdom. Mexico was the most productive and cited country in OOPE in Latin America. the documents Conclusions:publishedinjournalsrelatedtoOOPEinLatinAmericaare increasing, being Mexico the most productive and cited country in out-of-pocket expense fields in the region.

Objetivo: realizar un análisis bibliométrico de la producción científica sobre gasto de bolsillo publicada en América Latina desde el período 2002 al 2020. El estudio: se utilizó la base de datos Scopus para seleccionar artículos relacionados con gasto de bolsillo en América Latina. Los indicadores bibliométricos se analizaron utilizando los paquetes Bibliometrix y Biblioshiny R. Hallazgos: se identificaron 207 documentos y 888 autores durante el período 2002-2020. El número de publicaciones aumentó (tasa de crecimiento anual del 12,62%). "Salud Pública de México" fue la revista líder en número de publicaciones. La mayoría de las publicaciones provinieron de la colaboración de países en desarrollo con países desarrollados como Estados Unidos o Reino Unido. México fue el país más productivo y citado en OOPE en América Latina. Conclusiones: los documentos publicados en revistas relacionadas con OOPE en Latinoamérica van en aumento, siendo México el país más productivo y citado en rubros de gasto de bolsillo en la región.

Enrollees’ knowledge, satisfaction, and barriers to uptake of National Health Insurance Scheme in north-central Nigeria

Background: Enrollees’ knowledge, behavior, and perception of health insurance substantially influence a decision about the uptake of sustainability of the program. This study assessed enrollees’ knowledge, satisfaction, and barriers to the National Health Insurance Scheme (NHIS) uptake in Benue State, Nigeria. Materials and Methods: The study was a descriptive survey conducted among hospital clients enrolled in the formal sector program of the health insurance scheme in Makurdi, Benue State, Nigeria. A structured questionnaire was used to collect respondents’ demographic information and data related to the knowledge, satisfaction, and barriers to the uptake of NHIS in Nigeria. IBM-SPSS version 25.0 was used to analyze the data. Results: The study comprised 53.2% males, and 46.8% were females. The majority (82.9%) of the enrollees were aware of the objectives of the NHIS, but only 33.4% were aware of their benefits as enrollees and only 56.0% were satisfied with NHIS services. Factors that significantly influenced enrollees’ satisfaction include sex, age, education level, income, and knowledge of enrollees’ entitlements (P < 0.05), but the family size and knowledge of the objectives of the NHIS were not significantly associated with the level of satisfaction (P > 0.05). The most common barriers to the uptake of the NHIS include cultural and religious norms (67.4%) and poor social infrastructures (60.6%). Conclusion: This study revealed that the enrollees had poor knowledge of their entitlements for enrolling in the NHIS and a low level of satisfaction. There is a need for more awareness interventions across Nigeria to sensitize citizens of the scheme’s importance, objectives, and benefits.

Determinantes sociales que influyen en el acceso en Chile al Plan GES, según CASEN 2017 / Social determinants of access to the explicit guarantees health program implemented in Chile

BACKGROUND: In Chile, an eventual implementation of a plan with universal health coverage is a challenge. The already implemented explicit health guarantees plan (GES) could be a benchmark. For this reason, it is important to obtain information about the results of its implementation. AIM: To identify the social determinants of health that influence the access to GES. MATERIAL AND METHODS: The National Socioeconomic Characterization Survey performed in 2017 was used as a data source. The beneficiaries of 20 diseases covered by GES and inquired in the survey were considered for the present study. RESULTS: People with the higher probability of access to GES plan belong to the lowest income quintiles, are nationals, live in the central-southern metropolitan Santiago, have lower education, have a public health insurance program (FONASA) and are aged mostly over 60 years. The diseases with the highest probability of access to the program are primary arterial hypertension, type 1 and type 2 diabetes mellitus, acute myocardial infarction, moderate and severe bronchial asthma, breast cancer, colon cancer, and bipolar disorder. CONCLUSIONS: The access probability to the GES program is in line with the epidemiological profile of the Chilean population, and with a greater social vulnerability.

Crise econômica e disparidades no gasto, oferta e utilização de serviços públicos e privados de saúde no Brasil no período entre 2011 e 2019 / Economic crisis and disparities in spending, supply, and use of public and private health services in Brazil from 2011 to 2019 / Crisis económica y disparidades en el gasto, oferta y uso de los servicios de salud públicos y privados en Brasil en el período 2011-2019

Buscou-se analisar as repercussões da crise econômica sobre os setores público e privado do sistema de saúde brasileiro e realizar uma análise de tendência de indicadores econômicos e assistenciais, elaborados a partir de dados secundários de fontes públicas oficiais, relacionados ao gasto, ao desempenho econômico de planos e seguros de saúde, à oferta e utilização de serviços. Os resultados demonstraram estagnação do gasto público em saúde, redução do gasto público per capita e do acesso aos serviços públicos de saúde. Contrariamente, em um contexto de queda da renda e do emprego, os planos de saúde mantiveram clientes, ampliaram as receitas, os lucros e a produção assistencial. O desempenho positivo das empresas, antes e a partir da crise, pode ser explicado pela tendência de manutenção de subsídios públicos para o setor privado e pelas estratégias empresariais financeirizadas. Conclui-se que a atuação do Estado brasileiro durante a crise aprofundou a restrição de recursos ao setor público e favoreceu a expansão dos serviços privados, o que contribuiu para aumentar a discrepância no acesso a serviços públicos e privados de saúde no país.

This study sought to analyze the repercussions of the economic crisis on the public and private sectors of the Brazilian health system and perform a trend analysis of economic and care indicators, based on secondary data from official public sources related to spending, the economic performance of health plans and insurance, and the supply and use of services. The results showed stagnation of public spending on health, as well as reduction of per capita public spending and of access to public health services. On the contrary, in a context of falling income and employment, health plans retained customers, increased revenues, profits, and their care production. The positive performance of companies, before and after the crisis, can be explained by the trend of maintaining public subsidies for the private sector and by financialized business strategies. We conclude that the actions of the Brazilian government during the crisis deepened the restriction of resources to the public sector and favored the expansion of private services, which thus contributed to increase the discrepancy in access to public and private health services in the country.

Se pretende analizar las repercusiones de la crisis económica en los sectores público y privado del sistema de salud brasileño y realizar un análisis de tendencia de los indicadores económicos y asistenciales, con base en datos secundarios de fuentes públicas oficiales relacionados con el gasto, el desempeño económico de los planes y seguros de salud, a la oferta y uso de servicios. Los resultados mostraron estancamiento del gasto público en salud, reducción del gasto público per cápita y del acceso a los servicios públicos de salud. Por el contrario, en un contexto de descenso de ingresos y de empleo, los seguros médicos mantuvieron sus clientes, aumentaron los ingresos, las ganancias y la producción asistencial. El buen desempeño de las empresas antes y después de la crisis se debe a la tendencia a mantener los subsidios públicos en el sector privado y a las estrategias empresariales financiarizadas. Se concluye que las acciones del Estado brasileño durante la crisis profundizaron la restricción de recursos al sector público y favorecieron la expansión de los servicios privados, lo que contribuyó a aumentar la discrepancia en el acceso a los servicios de salud públicos y privados en el país.

Avaliação de tecnologias em saúde na saúde suplementar brasileira: a dualidade entre o público e o privado sob a luz da Política Nacional de Gestão de Tecnologias em Saúde / Health Technologies Assessment in private health insurance sector: the duality between public and private in the light of the National Policy on Health Technologies Management

A Avaliação de Tecnologias em Saúde (ATS) respalda políticas públicas na gestão de tecnologias em diversos países. Sua relevância vem sendo ampliada no atual contexto de custos crescentes e recursos escassos com que os sistemas de saúde convivem. Ao proporcionar decisões embasadas nas melhores evidências disponíveis, centrada nas necessidades dos pacientes e das sociedades, considerando benefícios, riscos e custos das tecnologias a serem incorporadas, favorece a alocação mais racional dos recursos escassos. No Brasil, foi principalmente a partir do ano 2000 que a institucionalização da ATS avançou. Em 2009, foi publicada a Política Nacional de Gestão Tecnologias em Saúde (PNGTS), com os objetivos de maximizar os benefícios de saúde a serem obtidos com os recursos disponíveis, e de promover as diretrizes e orientações a todos os atores que participam das atividades de ATS no País. O Ministério da Saúde (MS) capitaneou esse processo que culminou em 2011 com a promulgação da Lei 12.401/11, que instituiu a Comissão Nacional para Incorporação de Tecnologias no Sistema Único de Saúde (CONITEC). Entre outras instituições, a Agência Nacional de Saúde Suplementar (ANS) participou ativamente dos comitês do MS voltados para implementação da ATS. No entanto, mesmo diante de uma política única, o sistema público e a saúde suplementar trilharam diferentes caminhos nesse processo. O objetivo desta tese consistiu em descrever e analisar a institucionalização da ATS na saúde suplementar brasileira, observando as consonâncias e dissonâncias existentes entre os setores público e privado neste processo e identificando as possíveis consequências para o sistema de saúde. Para tanto, se valeu de método qualitativo, tendo como principais fontes de evidências, a revisão bibliográfica, a análise documental e entrevistas semiestruturadas com atores-chaves, escolhidos por terem participado do processo, ativamente, em diferentes momentos e áreas de atuação. Os resultados indicam que diversos fatores contribuíram para uma maior morosidade na institucionalização da ATS na saúde suplementar, como, por exemplo: questões políticas internas e externas à ANS; o comportamento do mercado das empresas operadoras de planos e seguros privados de saúde; além de interferências diretas dos Poderes Executivo e Legislativo nas atividades de incorporação de tecnologias da ANS. Como consequências da dicotomia público privada na implementação das políticas públicas de ATS foram sinalizadas, principalmente, a ineficiência e retrabalho nos processos de incorporação de tecnologias, e o aumento das inequidades no acesso às tecnologias no sistema de saúde. Conclui-se que muitos são os desafios inerentes a implementação de políticas públicas de ATS nos diversos países, e também aqui, dado que estas perpassam por interesses conflitantes dos diferentes stakeholders que atuam no sistema. Contudo, os resultados dessa tese apontam para as vantagens de se almejar uma política única e sólida de ATS no País, que privilegie o fortalecimento da utilização das evidências científicas nas difíceis escolhas que permeiam a área da saúde.

Health Technology Assessment (HTA) supports public policies in the management of technologies in several countries. Its relevance has been increasing in the current context of rising costs and scarce resources with which health systems coexist. By providing decisions based on the best available evidence, centered on the needs of patients and societies, considering the benefits, risks, and costs of the technologies to be incorporated, it favors a more rational allocation of scarce resources. In Brazil, it was mainly from the year 2000 that the institutionalization of HTA advanced. In 2009, the National Policy on Health Technology Management (PNGTS, in the Portuguese acronym) was published, with the objective of maximizing the health benefits to be obtained with the available resources and promoting guidelines to all actors who participate in the activities of HTA in the country. The Ministry of Health (MS) led this process that culminated in 2011 with the enactment of Law 12,401/11, which established the National Commission for the Incorporation of Technologies in the Unified Health System (CONITEC, in the Portuguese acronym). Among other institutions, the National Regulatory Agency for Private Health Insurance (ANS) actively participated in the MS committees focused on the implementation of HTA. However, even in the face of a single policy, the public system and the private health insurance sector followed different paths in this process. The objective of this thesis was to describe and analyze the institutionalization of HTA in Brazilian private health insurance sector, observing the existing consonances and dissonances between the public and private sectors in this process and identifying the possible consequences for the health system. For that, it used a qualitative method, using as main sources of evidence, the bibliographic review, document analysis and semi-structured interviews with key actors, chosen for having participated in the process, actively, at different times and areas of activity. The results indicate that several factors contributed to a greater delay in the institutionalization of HTA in the private health insurance sector, such as: internal and external political issues to the ANS; the market behavior of companies operating private health plans and insurance; in addition to direct interference by the Executive and Legislative Powers in the activities of incorporation of technologies by ANS. As a consequence of the public-private dichotomy in the implementation of public HTA policies, the inefficiency and rework in the technology incorporation processes, and the increase in inequities in access to technologies in the health system, were signaled. It is concluded that there are many challenges inherent to the implementation of public HTA policies in different countries, and also here, given that they permeate conflicting interests of the different stakeholders that work in the system. However, the results of this thesis point to the advantages of aiming for a single and solid HTA policy in the country, which privileges the strengthening of the use of scientific evidence in the difficult choices that permeate the healthcare area.