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People are apparently clamouring for a health system funded by insurance so...

182 replies

Hanschenklein · 10/01/2023 18:03

Those MNetters in countries outside the UK how much do you pay a month for your health care ? Is your country's system completely financed by this insurance alone or does your government contribute too ?
People call the NHS a financial black hole. They resent the fact that ever increasing amounts of money are apparently being ploughed into the service to see no real improvement. They seem happy to pay via an insurance style system instead.
So how much do you and your family pay ? How do you contribute towards your pension in the absence of national insurance payments ? If you pay a fee to see a GP does that put you off going ? Do you struggle to pay this insurance if not well paid ?
Most importantly is your health service sufficiently staffed, safe and prompt ? Are HCPs in your country valued, well paid and happy in their jobs ?

OP posts:
MissTrip82 · 24/02/2023 08:37

I work in a two tier system with both public and private.

I laugh and laugh and laugh when ppl think a private system is going to be the answer. That it’s safer, more efficient, better. I can only feel sorry for people this staggeringly naive.

TrinnySmith · 25/02/2023 09:13

There must be a way to vastly improve Care Home provision - if that was provided for everyone who needed it the NHS hosps would probably function ok.
I think 86,000 per person was the figure proposed to cover it by Theresa May's gov - who were then seriously reduced in numbers thanks to the Labour and newspaper Dementia Tax headlines.
If we started taking money now from people towards their later care it could fund setting up more homes. I imagine you would have to refund people who didn't use it. Or at least refund a proportion.
I'm late 60s and it just leaves me bewildered when the older generation can't admit that they will very likely need Care Home or care in their home care eventually. Or that they should make sure they have the money for better care rather than leave it to a lottery when Care Homes have such bad reputations.

Daisychained8 · 25/02/2023 10:13

I pay around £150 per year per person for our health insurance (Asia).

It costs around £2 to visit the GP so no, doesn’t put me off going. Actually, I’m more likely to go here than in the UK because in one day I can turn up for an appointment to tell a GP about a complaint, get any necessary scans and tests that day or at the latest the next day. So it’s actually much quicker and more convenient and less frustrating and worrying than in the UK. So I’m more likely to go here, whereas in the UK I always put it off. Another benefit of here is that I can request any tests I want done and the GP doesn’t even need to really agree that they’re needed but will let me do them anyway just to be extra cautious. And it can still be claimed on insurance.

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Prokupatuscrakedatus · 25/02/2023 14:09

@TrinnySmith
I am paying a small percentage of my gross income into the social coffer for care.
(Germany)
Though more money is needed because of the aging population.

If I can proof that I look after my health ( dental and other check ups, preventative sport courses, reaching a healthy weight etc.) I can get money back.

YouSoundLovely · 25/02/2023 14:48

Prokupatuscrakedatus · 25/02/2023 14:09

@TrinnySmith
I am paying a small percentage of my gross income into the social coffer for care.
(Germany)
Though more money is needed because of the aging population.

If I can proof that I look after my health ( dental and other check ups, preventative sport courses, reaching a healthy weight etc.) I can get money back.

Yes, this - a percentage of your income goes on compulsory social care insurance - I think it's about 3% (slightly less for people with children). (And again, as an employee your employer covers half of that). My late MIL needed care in the last year or so of her life and her insurance covered most of that - the rest was easily manageable from her (not huge) pension.

TrinnySmith · 25/02/2023 14:53

Too bad we can’t do that here - it’s mainly because of the ad versarial political system - no one can suggest it without losing votes.

Changechangychange · 25/02/2023 15:03

RosettaTheGardenFairy · 11/01/2023 12:47

Netherlands here - Eur 120 per month, kids free.

Service is fantastic - you call the hospital's emergency number, tell them what's wrong, they ask you to drive in or send an ambulance then when you arrive someone meets you at the entrance with a clipboard with your full medical history and you're seen pretty much straight away.

Giving birth is in a private room where you stay after baby is born until you go home, no shared maternity wards etc.

GP appointments I've only ever been offered same day, unless it's a nurse appointment for a smear test for example, then it's within 48 hours.

Dental is quite an expensive add-on and orthodontistry for kids is not free, but other than that, I wouldn't change, it's sublime.

The above is all just my experience, but I'd never accept the NHS standards our families deal with back in the UK.

Sounds great, and it also sounds like it is significantly better staffed than the UK - the main problem we have here is very low number of beds, nurses and doctors.

DH had the misfortune to be admitted to hospital in Switzerland. The first thing I noticed was that the operating theatre was free to take him immediately, and there was a bed available on the ward straight away. That simply wouldn’t happen in the UK - we don’t have fully-staffed operating theatres standing empty, or ward beds empty ready for patients to go into from A&E. We don’t have the capacity to meet demand. Changing to a different funding system would only fix that issue if there was a significant increase in investment.

I wouldn’t have any ethical objection whatsoever to switching to a Canadian/German insurance system, but people are deluded if they think care would immediately improve without an expansion in beds and staff, both of which cost money.

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