How healthcare works around the world?

Healthcare expenses are growing all over the world. There are different models of healthcare systems across the world. In advanced countries such as UK, France and Germany, the healthcare services are delivered free of cost. The money for healthcare services will be collected from various sources. The citizens will contribute to the compulsory health insurance programs so that they are not required to pay bills after undergoing the treatment at the hospital or clinic. In our country, the sector is still in its infancy and it is growing at a steady pace in recent years. Let us see how healthcare services work in different parts of the world.

Germany

This country has one of the best health care systems for the common public and they get to enjoy services without any money. However, it is mandatory for every citizen to have health insurance and this is bought through nonprofit funds and they are not allowed to deny service even for pre-existing condition. The working professionals pay about 8 percent of their earnings towards healthcare and even the employer has to pay the same amount towards the fund.

Britain

You will be eligible to get medical services without paying any money if you are a citizen and only prescription drugs are to be bought by the patients. The taxes paid by citizens will be allocated partly to the National Health Service and this pays for all the hospitals and its staff across the country. In this way, the primary health care needs are taken care of and you need to worry only about the expensive treatments that are not covered by this scheme.

Canada

This has a rather unique system when compared to other countries. The hospitals are managed by private entities and they bill the government for the medical treatment of common public. In this way, citizens get access to medical care without paying direct money. However, the scheme is funded by the general taxes paid by public and this provides common access to medical services for all citizens. Even though this looks very good on paper, it has its share of drawbacks and patients have to wait for long duration to get various medical treatments.

Taiwan

This small country also has a very good health care system that is entirely backed by the Government. The tax paid by the public is utilized to provide health care for the citizens without any cost. However, the citizens need to have smart cards provided by government in order to access the services. The smart card contains all the information about the health issues of patients and this helps the hospitals to provide suitable care and bill the government for the expenses.

China

China is undergoing major reforms in this sector as the efforts of the government to provide healthcare has come under severe criticism in the past. While the urban areas have good facilities, the rural areas lack them and it has become expensive for the government to provide low cost health care services across the country.

Health care system in India

• Our country has a good mix of private of public health care service providers and this has seen good growth in recent years. The government is doing its bit by providing health insurance at nominal costs and interested people can use this to get services even from private hospitals. However, the services at government hospitals come for free in most cases and even when it costs money for some prescription medicine, it will usually be very less.
• In recent years, even the rural sector has seen good development in this regard and people are using the free services offered by government hospitals. The hospitals are maintained by government and the services are also decent even though they may not match up to the private hospitals.
• If you do not want to depend on the healthcare services offered by the government, you can easily get very good services from private hospitals. In India, the private hospitals are only regulated by the government and the hospitals have complete free hand to develop their business across any region.
• In this manner, common public have access to both expensive as well as inexpensive healthcare services and they can choose whichever suits their needs. You can even get to save lots of money spent on health care services when you use the health insurance plans available in the market. These plans are offered by both private as well as government backed institutions and you can get the best services at low cost in this manner.

Benefits of healthcare plans

By having access to best healthcare plans, patients will get quality medical treatment at affordable price. There are various kinds of healthcare plans to fulfill the needs of individuals, families and groups.

You can choose the best health insurance plans in India from reputed health insurance companies so that you can make the most of your investment:

• Affordable insurance premium
• Comprehensive coverage of health issues
• Cashless treatment
• Free health checkup
• Ambulance charges

When you choose the best health insurance plans, the insurance premium will be low and the benefits will be high. The insurance requirements will increase with the age. The risk factors will also increase with the age.

The premium paid by a 30-year-old person for the health insurance plan is lower than the premium paid by a 50-year-old person. The health insurance company will assess the risk factors and the insurance premium will be based on the risk factors.

Factors that influence the insurance premium

• Age
• Sex
• Occupation
• Lifestyle
• Hereditary issues
• Smoking habits
• Other factors
• Previous insurance history
• Current health issues

You can choose a health insurance plan based on the affordability, insurance coverage, co-payment, sub-limits, and other options.

Conclusion

There are best health insurance plans in India offered by reputed health insurance companies. You should go through the features, premium, claims status and support offered by the health insurance company. The health insurance comparison service will help you choose the best plan as per your needs. There are many web insurance web aggregators in India, You can visit the website while buying a health insurance plan, you should be aware of the exclusions as well.