自愿医保医疗融资的6大方案模式3

1、醫療融資六大方案Your health Your life醫療融資的目的我們提出改革醫制，是要它能持續發展，並能緊貼醫科技進步，希望能夠為市民提供終身、全面、全人的基層醫，並特別着重增進健康的預防性護。為市民提供多優質、高效和具成本效的公私營醫服務，以供選擇。為幸患重病需要昂貴治的市民提供好的醫保障，讓大家安心；以及政府能繼續與市民並肩，為增進市民健康共同作出財政承擔。醫療融資的6大方案醫療融資的6大方案醫療融資的6大方案模式1：近似徵稅的模式向在職人士徵收佔入息若干百分比的金額。所有人都獲得同等的資助醫療服務。選擇私營服務的人可能要支付資助金額以外的費用。按收入供款，無須供款者亦可獲益。方案

2、1：醫療社保醫療融資的6大方案模式1：近似徵稅的模式方案1：醫療社保醫療融資的6大方案模式2：用者付費模式 提高公營醫療服務收費。除低收入人士和弱勢社群外，用者須分擔大部分的醫療費用。方案2：用者自付醫療融資的6大方案模式2：用者付費模式 規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人的醫療儲蓄戶口，以支付自己未來(特是退休後)的醫療費用。方案3：醫療儲蓄醫療融資的6大方案模式2：用者付費模式方案3：醫療儲蓄醫療融資的6大方案模式 3：個人保險的模式 鼓勵市民自願購買市場上的私人醫療保險。不購保儉者須自資使用私營服務，或繼續由公營資助醫療服務照顧。方案4：自願醫保醫療融資的

3、6大方案模式3：個人保儉的模式 方案4：自願醫保醫療融資的6大方案模式3：個人保險的模式 規定指定組別人士(例如某入息水平以上的在職人士)購買由政府規管的個人醫療保儉。投保人不論年齡、病歷、收入，均享有劃一保費，令高風險人士(如慢性病患者及長者等)及已有病患人士也可獲得承保。方案5：強制醫保醫療融資的6大方案模式3：個人保儉的模式 方案5：強制醫保醫療融資的6大方案模式3：個人保險的模式 規定指定組別人士(例如某入息水平以上的在職人士)將部分收入存入個人健康保險儲蓄戶口，部份金額用作購買由政府規管的個人健康保險(個人康保)。投保人不論年齡及病歷，均享有劃一保費，令高風險人士(如慢性病患者及長者

4、等)及已有病患人士也可獲得承保。按個人收入水平作出儲備，但保費負擔均等，餘額可以滾存，以備退休後支付個人康保保費及其他醫療開支。方案6：個人康保儲蓄模式3：個人保儉的模式 方案6：強制醫保醫療融資的6大方案你會如何選擇呢？醫療改革對未來社會的醫療服務有莫大影響作為一份子的你們會選擇那一個方案呢？Six different options of Your health Your lifeWhy to have the Healthcare reformWe want to reform the healthcare system so that it can develop sustainabl

5、e basis and keep up with medical technology advances to provide you with access to lifelong, comprehensive and holistic primary care, with emphasis on healthimproving preventive care;provide you with more choice of quality, efficient and costeffective healthcare in both the public and private sector

6、s;Why to have the Healthcare reformprovide you with healthcare protection and peace of mind in case you are struck by illnesses that need costly treatment; andcontinue the partnership between the Government and you in sharing the financial commitment for your better health.Six different options of t

7、he Healthcare reformSix different options of the Healthcare reformSix different options of the Healthcare reformMajor Mode 1：Tax-like ModelSocial health insurance is that all members of the working population are required to contribute a certain percentage of their income to finance healthcare prote

8、ction for the whole population.Access to the same standard subsidized healthcare services for all.Those who choose private services may have to make co-payment for charges beyond the subsidized amount.Contribute according to income level; those who are not required to make contributions may also ben

9、efit.Scheme 1：Social Health InsuranceSix different options of the Healthcare reformMajor Mode 1：Tax-like ModelScheme 1： Social Health InsuranceSix different options of the Healthcare reformMajor Mode 1：User-pays ModelIncrease the user fees for using public healthcare services. With the exception of

10、low-income and under-privileged groups, services users are required to share a large portion of the costs for healthcare.Scheme 2：Out-of-Pocket PaymentSix different options of the Healthcare reformMajor Mode 2： User-pays ModelRequires a specified group of the population(e.g. working population with

11、income above a certain level) to deposit part of their income into a personal medical savings account to meet their own future (especially after retirement) healthcare expenses.Scheme 3：Medical SavingsSix different options of the Healthcare reformMajor Mode 2： User-pays ModelScheme 3：Medical Savings

12、Six different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelEncourages members of the public to purchase private health insurance in the market voluntarily.The uninsured have to either pay their own expenses for using private services or continue to be served by subsi

13、dized public healthcare services.Scheme 4：Voluntary Health InsuranceSix different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelScheme 4：Voluntary Health InsuranceSix different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelRequires a sp

14、ecified group in the population (e.g. working population with income above a certain level) to purchase individual health insurance regulated by the Government.Same premium for all participants regardless of their age, medical history and income, allowing the high-risk groups (e.g. chronic patients

15、and the elderly) and people with pre-existing medical conditions to get insured.Scheme 5：Mandatory Health InsuranceSix different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelScheme 5：Mandatory Health InsuranceSix different options of the Healthcare reformMajor Mode 3

16、：Individual Health Insurance ModelRequires a specified group in the population (e.g. working population with income above a certain level) to deposit part of their income into a personal healthcare reserve account. Part of the deposit will be used for subscribing to a government regulated personal h

17、ealthcare insurance, and meet other medical expenses after retirement.Same premium for all participants regardless of their age and medical history, thereby enabling the high-risk groups (e.g. chronic patients and the elderly) and people with pre-existing medical conditions to get insured.Scheme 6：P

18、ersonal Healthcare ReserveSix different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelDeposit to reserve is based on individual income level, but the insurance premium is the same for all participants. The balance will be kept in the account to pay for personal healthcare insurance premium and other medical expenses after retirement.Scheme 6：Personal Health