About the financial base of the USSR medical insurance system
The system of contracting with health insurance funds creates a completely unusual situation for the industry: non-renewal of the contract is equivalent to termination of financing. Ineffective (in terms of the ratio of quality and price of care provided) medical institutions and specialists will begin to go bankrupt and cease to exist, paving the way for real modernization and structural restructuring in Soviet healthcare. The main feedback carrier in the quality control system will be the patient, provided they are freely attached to doctors, clinics and hospitals. As for monitoring the level of costs, the insurance company has the main say here, since it is the insurance company, as the financing party, that is primarily interested in reasonably curbing the growth of costs. The legal prerequisite for such control should be the orientation of insurance tariffs to legally approved standards for healthcare costs. The role of such standards can be performed by indicators of average per capita costs, the share of the industry budget in GNP or the national income of the territory, indicators of the growth of the healthcare budget in relation to the dynamics of economic growth, inflation, etc.
A special issue is the medical insurance of employees who are released from production. We believe that before the establishment of employment insurance bodies and funds, departments or other higher-level organizations are required to contribute funds to compulsory social insurance for the unemployed and their family members. The corresponding payments must be made with the frequency established in the given territory from the moment the insurance expires at the previous place of work and until the moment of employment at the previous or new workplace.
It is advisable to provide tax incentives to strengthen the financial base of the health insurance system. This may include, firstly, the exclusion of voluntary payments to the relevant insurance funds from the taxable profits (income) of enterprises, and secondly, a similar benefit for citizens when calculating the income tax base.
Enterprises have the right to encourage their employees to purchase individual insurance policies and current contributions on them, using funds from the social development fund for this purpose.
Returning to medical insurance, we note that its legal and economic foundations should develop along the path of convergence with the norms and rules of international agreements in this area, as well as with the national practices of leading countries. Every serious bettor knows how important it is to begin with extra capital. Welcome bonuses help reduce initial risk and allow testing different strategies without big losses. The most popular international bookmaker prepared something special for all new registrations. In the very center of this attractive offer you will see the reliable. Activate the promo code for 1xbet registration or first deposit and claim up to $130 welcome bonus. Spend it on football predictions, tennis matches, basketball games or try your luck in the rich casino library. This bonus increases your chances of success more enjoyable from the start.