Dodatkowe ubezpieczenia zdrowotne

• Autorzy: Jan Jończyk

Warianty tytułu

Complementary Health Insurance

• Języki publikacji: PL

Abstrakty

W polityce zdrowotnej od kilku lat była mowa o konieczności wprowadzenia dodatkowych ubezpieczeń zdrowotnych, pierwsza natomiast prawna konkretyzacja (w postaci projektu ustawy) przedstawiona została w styczniu 2008 r. wraz z towarzyszącymi projektami ustaw - nowej wersji ustawy o zakładach opieki zdrowotnej i ustawy o ochronie praw pacjenta. Podstawowe znaczenie w tym reformatorskim zamierzeniu mają dodatkowe ubezpieczenia zdrowotne, promowane w celu instytucjonalizacji znacznego w Polsce finansowania opieki zdrowotnej ze środków prywatnych. Mają to być ubezpieczenia w sferze działalności ubezpieczeniowej, a zatem dobrowolne i komercyjne, poddane jednak, wraz z powszechnym ubezpieczeniem zdrowotnym, merytorycznej kontroli pod względem legalności, rzetelności i celowości ze strony nowego urzędu nadzoru ubezpieczeń zdrowotnych. Jest to koncepcja regulowanego rynku ubezpieczeń zdrowotnych, której uzupełnieniem ma być regulowany rynek świadczeniodawców (świadczeń opieki zdrowotnej). Nowy urząd rzecznika ma stanąć na straży indywidualnych i zbiorowych praw pacjenta, w czym uwydatnia się publiczny charakter opieki zdrowotnej. Projektowany model ochrony zdrowia jest zatem hybrydą prawa prywatnego i publicznego, testowaną w różnych konfiguracjach i na ogół bez powodzenia w innych krajach, która w literaturze przedmiotu poddawana jest istotnej krytyce. (abstrakt oryginalny)

EN

The idea of complementary health insurance was present in Polish health policy since a couple of years, a draft statute on this subject, however, was shown in January 2008 together with a new version of the Health Care Establishments Statute (legislated initially in 1991) and an additional regulation on patient's rights. The key role has the complementary health insurance which is to institutionalise the relatively high, partly informal, private health care cost sharing in Poland (1/3 of the total - about 6% GNP - health expenditure). This new insurance is expected to function on commercial and competitive basis, under a strict administrative control, however. It is in some way a concept of a regulated market of insurers and health care establishments, the latter to be transformed into private (commercial) law corporations. The patient will have a quasi-public status, to be protected by a new authority - the patient's "individual and collective rights" ombudsman. The draft regulation looks like a public-private hybrid, experimented already in some countries, which in insurance and health care theory evokes much criticism. (original abstract)

Słowa kluczowe

PL

Polityka zdrowotna; Ubezpieczenia zdrowotne; Finansowanie ochrony zdrowia; Ochrona praw pacjenta; Regulacje prawne

EN

Health care policy; Health care insurance; Financing of health protection; Patient rights protection; Legal regulations

• Czasopismo: Praca i Zabezpieczenie Społeczne
• Rocznik: 2008
• Numer: nr 4
• Strony: 2--9

Twórcy

autor

Jan Jończyk

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