Health insurance is a mechanism responsible for an individual against financial risk of care for illness and a minimum income when the disease robs a person of work.
In most Western countries, much health insurance is supported by the state. This is one of the fundamental components of social security, and a duty of the State according to the Universal Declaration of Human Rights of 1948.
A public health insurance system can be managed by a state agency, delegated to private organizations, or be mixed.
The operation, like all insurance, is based on pooling risk: each individual contributes in exchange for which it is reimbursed at a fixed scale.
Regarding a public health insurance, the insurance premium paid by the insured does not necessarily follow the rules of pure insurance, that is to say, it is not based solely on the risk . Indeed, the public system fulfills both an assurance function and a pure distribution function in which the wealthiest pay insurance for the poor.
In most Western countries, much health insurance is supported by the state. This is one of the fundamental components of social security, and a duty of the State according to the Universal Declaration of Human Rights of 1948.
A public health insurance system can be managed by a state agency, delegated to private organizations, or be mixed.
The operation, like all insurance, is based on pooling risk: each individual contributes in exchange for which it is reimbursed at a fixed scale.
Regarding a public health insurance, the insurance premium paid by the insured does not necessarily follow the rules of pure insurance, that is to say, it is not based solely on the risk . Indeed, the public system fulfills both an assurance function and a pure distribution function in which the wealthiest pay insurance for the poor.
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