Sunday, November 22, 2020

Commercial medical insurance isn't what others have come up with.

When there is a ministerial change in the Ministry of Health, there is talk of commercial medical insurance, and claims are returned to its application, but they merely repeat the term without detailing it. As has been said the devil or special interests are hiding in detail, the details of medical insurance lie adequate answers. However, I did not expect these claims to be worth praising the trade in a system aimed at commercial investment in people's health, and then exploiting their needs for the creation of huge wealth, the most recent of which was an article by fellow writer Samar Al-Muqrin entitled Medical Insurance between the Doctor and the Merchant, and she praised her personal experience in the commercial hospital, which I respect, but there are also bitter experiences with the commercial medical sector that deserve to be heard, and the article may enter into a free publicity for a commercial hospital, although I am absolutely certain that she does not mean it.


In another corner in the same issue of Al Jazeera (March 14, 2015), fellow writer Dr. Hamza Al-Salem wrote about the importance of having an integrated infrastructure before applying medical insurance in an article entitled: "Medical insurance is an operational means and it is unable to establish a medical sector", in a commentary on an article written by former Minister of Health Dr. Hamad al-Manaa demanding the application of medical insurance to all citizens, arguing that we must start from where others ended, but I did not understand from the colleague or Dr. Hamad al-Manaa on any insurance speaks, whether it is about social medical insurance or commercial medical insurance, which began some steps to apply it to the private sector, despite the exit of the developed world from it.

The difference here is not about the social medical insurance system, but about the entry of traders and companies into providing purely commercial medical insurance, and there are fundamental differences between social and commercial health insurance, and perhaps the main difference between them, that social health insurance aims that medicare is designed to accommodate health risks whatever, and that serves individuals who have expensive and complex medical needs, as well as relatively healthy, while the main goal in the commercial medical insurance system is to protect their commercial interests by avoiding patients who have Dangerous or complex medical needs by raising the cost of their medical insurance, which is why the United States of America is struggling to get out of commercial insurance syndrome to medical care first human.

The state of comprehensive medical care through a government social program is the right model in medical insurance, which provides everyone, no matter how old or terminally ill, to be under equal medical care no matter how high their costs, but that their savings are not at risk of being lost, as if the state were commercial insurance, because the primary purpose of its establishment is commercial no matter how much they can provide a stylized image of their health services, because the function of the basic insurance companies is to achieve the profit goal of suffering, and those who do not settle their incomes. Commercial medical insurance companies are always seeking to reduce their exposure to financial risks, and therefore be selective in the selection of relatively healthy patients, in avoiding cancer patients, kidney, liver and other chronic diseases, and I do not know why some expect commercial insurance companies to do the function of government medical care, and we should take advantage of the American attempt to address the imbalance of commercial insurance, when the federal government provided subsidies for the purchase of commercial insurance for the elderly, and it has already been shown, and the conclusive evidence that insurance companies cannot succeed in profitable coverage for older American citizens, even with support. That's why I don't understand the insistence of some on implementing an inhumane system that aims for purely material gain in a non-industrial society that relies on government subsidies for living.

Comprehensive medical care, which is subject to comprehensive, non-profit social insurance, is the most effective and widespread system in the world, while commercial insurance has been applied only in the United States of America, and the federal government has been trying for some time to limit its applications, and commercial insurance has only been successful in meeting the health care needs of workers at their young age, simply because they do not need it much in this age group, while chronic medical patients suffer from high medical insurance costs, and this is also reflected in their employment opportunities in the sector. Special.

Therefore, the belief that commercial medicine and commercial health insurance companies can produce the highest quality of government medical care is in the clearest form, and the constant attempts to demand its application can be justified to the existence of a strong lobby behind the adoption of commercial medical insurance at home, in an out-of-time movement, in a trend that is in the history of the development of health care in the world, and in its application an unfortunate return to where others began, because what they ended up with is the failure of commercial medical insurance, and we need to reconsider The existing healthcare system in order to develop, and in order for the Saudi citizen not to fall from the financial risk trap in the case of the application of commercial insurance.

Current applications are explicit commercial medical insurance, which has been called co-operation in order to bypass the prohibition of commercial insurance. While co-operative is a non-profit insurance, it is very surprising that these companies are called cooperative, while their shares are traded on the stock market, and profits are distributed to shareholders, while the cooperative is social medical insurance, which is government-sponsored in most countries of the world, but needs social variables before its application, such as becoming the most representative working groups in society, and thus able to pay the government's medical insurance tax.

Perhaps the biggest obstacle to current government medical care is bureaucracy, administrative corruption and nepotism, which are grimly portrayed in many sectors. I believe that the time has come to remove the old administrative guard in these sectors, and to replace the energies of a young expert in modern medical management, on the use of global medical expertise to develop systems. The ideal solution in the future may be for medical insurance to be applied in the Canadian way, with the production relationship to be direct between the government and the doctor, and the reward according to the doctor's production, god speaking, as a martyr.