Health insurance is a cultural phenomenon preceded by developed countries. It is one of the types of insurance against the risks of individual health conditions. It covers the costs of examination, diagnosis and treatment as well as psychological and physical support, and its philosophy is based on the principle of pooling risks and sharing them among individuals equally, thus reducing the burdens and costs on the individual. And ensures the access of health care to all its needs for a small amount of money, which is a social system leading to cooperation and interdependence between individuals to bear what can not afford one of them alone, and insurance companies organize benefit from signing the risk for a fee is known as the premium yen.
As for the Arab world, the first health insurance issued in Arabic was in 1957 in Egypt between the United Insurance Company and the Bank of Alexandria. In Iraq, it was the beginning of insurance. In the year 2001, which we aspire to develop to be a fair world civilized in providing better services to our citizens and improve the reality of health services to serve the future of generations in terms of health and create a society free of fear of disease and the cost of treatment to ensure all the health and happiness in addition to reducing the burdens placed on the Ssat State health treatment in the provision of services to citizens, providing them money that can be monitored for research and development and the promotion of health institutions , according to well thought out strategies.
In light of the above, and for the success of the comprehensive health insurance experience in Iraq, we propose the following steps:
1. Issuing legislation by the State that requires health insurance.
2. Determining the contribution of the State to the cost of health insurance per capita as part of the individual's current health costs, according to official statistics available.
3. Commencement of the State employees' share in obligatory health insurance procedures only
Details shown below.
4. After the success of the trial for paragraph (3), the cover of the health insurance is extended to include families
The staff are to be agreed upon in a timely manner.
5 - The success of the experiment for paragraphs (3 and 4) above, the bulk of Iraqi society has been covered by health insurance and knew its advantages and benefits and closely touch the level of health services provided to him and thus the awareness of insurance has taken place in the community then the community will be ready to accept the idea of the two regimes Which will be implemented in accordance with a mechanism agreed upon in due course.
6. Supervising the Comprehensive Health Insurance Scheme by the Insurance Bureau in cooperation with the Iraqi Insurance Association, which represents all the companies of the Iraqi public and private insurance sector, and determining the mechanism of implementation of the project technically and financially with the understanding of all the insurance companies.
As for the application of the project to the segment of state employees as mentioned in paragraph (3) above of the research and based on the available official statistics and the experience of the staff of Al-Reham Technical Company in the field of health insurance, the insurance premium was reached for one employee per year at (396) The number of Iraqi civil servants is 11% of the total population of 35000000 people and has been adopted in the technical accounting procedures.
In addition to the above, the implementation of this project has positive effects in pushing the process of the Iraqi economy, which will raise the burden of health institutions significant amounts and turn them into the development of these institutions, which contributes to better services for citizens, as well as the recovery of the Iraqi public sector and private and revitalization in addition to running The labor sector will need to increase the number of employees to meet the requirements of the health insurance project, which will eliminate part of the unemployment rate. The investment will also be revived due to the insurance premiums to be invested at an interest rate of not less than 1.5% per annum.
* Managing Director of Al-Reham Insurance Company
SOURCE
As for the Arab world, the first health insurance issued in Arabic was in 1957 in Egypt between the United Insurance Company and the Bank of Alexandria. In Iraq, it was the beginning of insurance. In the year 2001, which we aspire to develop to be a fair world civilized in providing better services to our citizens and improve the reality of health services to serve the future of generations in terms of health and create a society free of fear of disease and the cost of treatment to ensure all the health and happiness in addition to reducing the burdens placed on the Ssat State health treatment in the provision of services to citizens, providing them money that can be monitored for research and development and the promotion of health institutions , according to well thought out strategies.
In light of the above, and for the success of the comprehensive health insurance experience in Iraq, we propose the following steps:
1. Issuing legislation by the State that requires health insurance.
2. Determining the contribution of the State to the cost of health insurance per capita as part of the individual's current health costs, according to official statistics available.
3. Commencement of the State employees' share in obligatory health insurance procedures only
Details shown below.
4. After the success of the trial for paragraph (3), the cover of the health insurance is extended to include families
The staff are to be agreed upon in a timely manner.
5 - The success of the experiment for paragraphs (3 and 4) above, the bulk of Iraqi society has been covered by health insurance and knew its advantages and benefits and closely touch the level of health services provided to him and thus the awareness of insurance has taken place in the community then the community will be ready to accept the idea of the two regimes Which will be implemented in accordance with a mechanism agreed upon in due course.
6. Supervising the Comprehensive Health Insurance Scheme by the Insurance Bureau in cooperation with the Iraqi Insurance Association, which represents all the companies of the Iraqi public and private insurance sector, and determining the mechanism of implementation of the project technically and financially with the understanding of all the insurance companies.
As for the application of the project to the segment of state employees as mentioned in paragraph (3) above of the research and based on the available official statistics and the experience of the staff of Al-Reham Technical Company in the field of health insurance, the insurance premium was reached for one employee per year at (396) The number of Iraqi civil servants is 11% of the total population of 35000000 people and has been adopted in the technical accounting procedures.
In addition to the above, the implementation of this project has positive effects in pushing the process of the Iraqi economy, which will raise the burden of health institutions significant amounts and turn them into the development of these institutions, which contributes to better services for citizens, as well as the recovery of the Iraqi public sector and private and revitalization in addition to running The labor sector will need to increase the number of employees to meet the requirements of the health insurance project, which will eliminate part of the unemployment rate. The investment will also be revived due to the insurance premiums to be invested at an interest rate of not less than 1.5% per annum.
* Managing Director of Al-Reham Insurance Company
SOURCE