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Policy Choices for Progressive Realization of Universal Health Coverage Comment on "Ethical Perspective: Five Unacceptable Trade-offs on the Path to Universal Health Coverage"

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  • International Health Policy Program Thailand

Abstract and Figures

In responses to Norheim’s editorial, this commentary offers reflections from Thailand, how the five unacceptable trade-offs were applied to the universal health coverage (UHC) reforms between 1975 and 2002 when the whole 64 million people were covered by one of the three public health insurance systems. This commentary aims to generate global discussions on how best UHC can be gradually achieved. Not only the proposed five discrete trade-offs within each dimension, there are also trade-offs between the three dimensions of UHC such as population coverage, service coverage and cost coverage. Findings from Thai UHC show that equity is applied for the population coverage extension, when the low income households and the informal sector were the priority population groups for coverage extension by different prepayment schemes in 1975 and 1984, respectively. With an exception of public sector employees who were historically covered as part of fringe benefits were covered well before the poor. The private sector employees were covered last in 1990. Historically, Thailand applied a comprehensive benefit package where a few items are excluded using the negative list; until there was improved capacities on technology assessment that cost-effectiveness are used for the inclusion of new interventions into the benefit package. Not only cost-effectiveness, but long term budget impact, equity and ethical considerations are taken into account. Cost coverage is mostly determined by the fiscal capacities. Close ended budget with mix of provider payment methods are used as a tool for trade-off service coverage and financial risk protection. Introducing copayment in the context of fee-for-service can be harmful to beneficiaries due to supplier induced demands, inefficiency and unpredictable out of pocket payment by households. UHC achieves favorable outcomes as it was implemented when there was a full geographical coverage of primary healthcare coverage in all districts and sub-districts after three decade of health infrastructure investment and health workforce development since 1980s. The legacy of targeting population group by different prepayment mechanisms, leading to fragmentation, discrepancies and inequity across schemes, can be rectified by harmonization at the early phase when these schemes were introduced. Robust public accountability and participation mechanisms are recommended when deciding the UHC strategy.
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Policy Choices for Progressive Realization of Universal
Health Coverage
Comment on “Ethical Perspective: Five Unacceptable Trade-offs on the Path to Universal
Health Coverage”
Viroj Tangcharoensathien*, Walaiporn Patcharanarumol, Warisa Panichkriangkrai, Angkana Sommanustweechai
Abstract
In responses to Norheims editorial, this commentary offers reflections from Thailand, how the five unacceptable
trade-offs were applied to the universal health coverage (UHC) reforms between 1975 and 2002 when the whole 64
million people were covered by one of the three public health insurance systems. This commentary aims to generate
global discussions on how best UHC can be gradually achieved. Not only the proposed five discrete trade-offs
within each dimension, there are also trade-offs between the three dimensions of UHC such as population coverage,
service coverage and cost coverage. Findings from Thai UHC show that equity is applied for the population coverage
extension, when the low income households and the informal sector were the priority population groups for coverage
extension by different prepayment schemes in 1975 and 1984, respectively. With an exception of public sector
employees who were historically covered as part of fringe benefits were covered well before the poor. The private
sector employees were covered last in 1990. Historically, Thailand applied a comprehensive benefit package where
a few items are excluded using the negative list; until there was improved capacities on technology assessment that
cost-effectiveness are used for the inclusion of new interventions into the benefit package. Not only cost-effectiveness,
but long term budget impact, equity and ethical considerations are taken into account. Cost coverage is mostly
determined by the fiscal capacities. Close ended budget with mix of provider payment methods are used as a tool for
trade-off service coverage and financial risk protection. Introducing copayment in the context of fee-for-service can
be harmful to beneficiaries due to supplier induced demands, inefficiency and unpredictable out of pocket payment
by households. UHC achieves favorable outcomes as it was implemented when there was a full geographical coverage
of primary healthcare coverage in all districts and sub-districts after three decade of health infrastructure investment
and health workforce development since 1980s. The legacy of targeting population group by different prepayment
mechanisms, leading to fragmentation, discrepancies and inequity across schemes, can be rectified by harmonization
at the early phase when these schemes were introduced. Robust public accountability and participation mechanisms
are recommended when deciding the UHC strategy.
Keywords: Progressive Realization of Universal Health Coverage (UHC), Equity and Efficiency Trade-off, Political
Choices, Thailand
Copyright: © 2017 The Author(s); Published by Kerman University of Medical Sciences. This is an open-access
article distributed under the terms of the Creative Commons Attribution License (http://creativecommons.org/
licenses/by/4.0), which permits unrestricted use, distribution, and reproduction in any medium, provided the original
work is properly cited.
Citation: Tangcharoensathien V, Patcharanarumol W, Panichkriangkrai W, Sommanustweechai A. Policy choices for
progressive realization of universal health coverage: Comment on “Ethical perspective: five unacceptable trade-offs
on the path to universal health coverage.Int J Health Policy Manag. 2017;6(2):107–110. doi:10.15171/ijhpm.2016.99
*Correspondence to:
Viroj Tangcharoensathien
Email: Viroj@ihpp.thaigov.net
Article History:
Received: 5 June 2016
Accepted: 23 July 2016
ePublished: 31 July 2016
Commentary
International Health Policy Program, Ministry of Public Health, Nonthaburi, Thailand.
hp://ijhpm.com
Int J Health Policy Manag 2017, 6(2), 107–110 doi 10.15171/ijhpm.2016.99
Background
In Norheim’s editorial,1 based on fairness, equity and ethical
grounds, his five “unacceptable trade-offs” in implementing
universal health coverage (UHC) seems convincing. Our
analysis found that three out of these five are related to equity
goal; trade-off II (prioritize those who are able to pay than the
poor and informal sector), trade-off IV (prioritize the well-off
than the worse-off) and trade-off V (move from out of pocket
payment by households to a less progressive mandatory
prepayment source of finance).
The remaining two are related to efficiency goal: trade-off I
(extend coverage to the low or medium priority services than
the high priority services) and trade-off III (provide costly
services with low health benefits than less costly high impact
services). Note that the unacceptable trade-off II and IV are
very close. In this editorial, efficiency is regarded as part of
fairness.
Since health resources are finite, using it for one purpose,
policy-makers have to sacrifice other alternates; hence trade-
off and priority setting is unavoidable. These unacceptable
trade-offs are theoretically sound and convincing; they are
useful caveats for which policy-makers in low- and middle-
income countries (LMICs) may use to make informed, fair
and ethical choices in their paths towards UHC.
This commentary offers reflections from a country
experiences, Thailand, how these trade-offs were (or were not)
applied in implementing UHC reforms since 1975 until UHC
was reached in 2002,2 and achieved favourable outcomes.3
This commentary aims to generate global discussions on how
best UHC can be gradually achieved.
Politics and Power in Global Health: The Constituting Role
of Conflicts
Comment on “Navigating Between Stealth Advocacy and Unconscious Dogmatism: The
Challenge of Researching the Norms, Politics and Power of Global Health”
Clemet Askheim, Kristin Heggen, Eivind Engebretsen*
Abstract
In a recent article, Gorik Ooms has drawn attention to the normative underpinnings of the politics of
global health. We claim that Ooms is indirectly submitting to a liberal conception of politics by framing
the politics of global health as a question of individual morality. Drawing on the theoretical works of
Chantal Mouffe, we introduce a conflictual concept of the political as an alternative to Ooms’ conception.
Using controversies surrounding medical treatment of AIDS patients in developing countries as a case we
underline the opportunity for political changes, through political articulation of an issue, and collective
mobilization based on such an articulation.
Keywords: Global Health, Liberal Politics, Chantal Mouffe, Conflict, AIDS, Antiretroviral (ARV)
Treatment
Copyright: © 2016 by Kerman University of Medical Sciences
Citation: Askheim C, Heggen K, Engebretsen E. Politics and power in global health: the constituting role of
conflicts: Comment on “Navigating between stealth advocacy and unconscious dogmatism: the challenge
of researching the norms, politics and power of global health.Int J Health Policy Manag. 2016;5(2):117–
119. doi:10.15171/ijhpm.2015.188
*Correspondence to:
Eivind Engebretsen
Email: eivind.engebretsen@medisin.uio.no
Article History:
Received: 5 September 2015
Accepted: 13 October 2015
ePublished: 15 October 2015
Commentary
Institute of Health and Society, Faculty of Medicine, University of Oslo, Oslo, Norway
hp://ijhpm.com
Int J Health Policy Manag 2016, 5(2), 117–119 doi 10.15171/ijhpm.2015.188
In a recent contribution to the ongoing debate about the
role of power in global health, Gorik Ooms emphasizes
the normative underpinnings of global health politics.
He identifies three related problems: (1) a lack of agreement
among global health scholars about their normative premises,
(2) a lack of agreement between global health scholars and
policy-makers regarding the normative premises underlying
policy, and (3) a lack of willingness among scholars to
clearly state their normative premises and assumptions. This
confusion is for Ooms one of the explanations “why global
health’s policy-makers are not implementing the knowledge
generated by global healths empirical scholars.” He calls
for greater unity between scholars and between scholars
and policy-makers, concerning the underlying normative
premises and greater openness when it comes to advocacy.1
We commend the effort to reinstate power and politics in
global health and agree that “a purely empirical evidence-based
approach is a fiction,” and that such a view risks covering up
“the role of politics and power.” But by contrasting this fiction
with global health research “driven by crises, hot issues, and
the concerns of organized interest groups,” as a “path we are
trying to move away from,” Ooms is submitting to a liberal
conception of politics he implicitly criticizes the outcomes
of.1 A liberal view of politics evades the constituting role of
conflicts and reduces it to either a rationalistic, economic
calculation, or an individual question of moral norms. This
is echoed in Ooms when he states that “it is not possible to
discuss the politics of global health without discussing the
normative premises behind the politics.1 But what if we
take the political as the primary level and the normative as
secondary, or derived from the political?
That is what we will try to do here, by introducing an
alternative conceptualization of the political and hence free
us from the “false dilemma” Ooms also wants to escape.
Although constructivists have emphasized how underlying
normative structures constitute actors’ identities and
interests, they have rarely treated these normative structures
themselves as defined and infused by power, or emphasized
how constitutive effects also are expressions of power.2 This
is the starting point for the political theorist Chantal Mouffe,
and her response is to develop an ontological conception of
the political, where “the political belongs to our ontological
condition.3 According to Mouffe, society is instituted
through conflict. “[B]y ‘the political’ I mean the dimension of
antagonism which I take to be constitutive of human societies,
while by ‘politics’ I mean the set of practices and institutions
through which an order is created, organizing human
coexistence in the context of conflictuality provided by the
political.3 An issue or a topic needs to be contested to become
political, and such a contestation concerns public action and
creates a ‘we’ and ‘they’ form of collective identification. But
the fixation of social relations is partial and precarious, since
antagonism is an ever present possibility. To politicize an issue
and be able to mobilize support, one needs to represent the
world in a conflictual manner “with opposed camps with
which people can identify.3
Ooms uses the case of “increasing international aid spending
on AIDS treatment” to illustrate his point.1 He frames the
View Video Summary
Politics and Power in Global Health: The Constituting Role
of Conflicts
Comment on “Navigating Between Stealth Advocacy and Unconscious Dogmatism: The
Challenge of Researching the Norms, Politics and Power of Global Health”
Clemet Askheim, Kristin Heggen, Eivind Engebretsen*
Abstract
In a recent article, Gorik Ooms has drawn attention to the normative underpinnings of the politics of
global health. We claim that Ooms is indirectly submitting to a liberal conception of politics by framing
the politics of global health as a question of individual morality. Drawing on the theoretical works of
Chantal Mouffe, we introduce a conflictual concept of the political as an alternative to Ooms’ conception.
Using controversies surrounding medical treatment of AIDS patients in developing countries as a case we
underline the opportunity for political changes, through political articulation of an issue, and collective
mobilization based on such an articulation.
Keywords: Global Health, Liberal Politics, Chantal Mouffe, Conflict, AIDS, Antiretroviral (ARV)
Treatment
Copyright: © 2016 by Kerman University of Medical Sciences
Citation: Askheim C, Heggen K, Engebretsen E. Politics and power in global health: the constituting role of
conflicts: Comment on “Navigating between stealth advocacy and unconscious dogmatism: the challenge
of researching the norms, politics and power of global health.Int J Health Policy Manag. 2016;5(2):117–
119. doi:10.15171/ijhpm.2015.188
*Correspondence to:
Eivind Engebretsen
Email: eivind.engebretsen@medisin.uio.no
Article History:
Received: 5 September 2015
Accepted: 13 October 2015
ePublished: 15 October 2015
Commentary
Institute of Health and Society, Faculty of Medicine, University of Oslo, Oslo, Norway
hp://ijhpm.com
Int J Health Policy Manag 2016, 5(2), 117–119 doi 10.15171/ijhpm.2015.188
In a recent contribution to the ongoing debate about the
role of power in global health, Gorik Ooms emphasizes
the normative underpinnings of global health politics.
He identifies three related problems: (1) a lack of agreement
among global health scholars about their normative premises,
(2) a lack of agreement between global health scholars and
policy-makers regarding the normative premises underlying
policy, and (3) a lack of willingness among scholars to
clearly state their normative premises and assumptions. This
confusion is for Ooms one of the explanations “why global
health’s policy-makers are not implementing the knowledge
generated by global healths empirical scholars.” He calls
for greater unity between scholars and between scholars
and policy-makers, concerning the underlying normative
premises and greater openness when it comes to advocacy.1
We commend the effort to reinstate power and politics in
global health and agree that “a purely empirical evidence-based
approach is a fiction,” and that such a view risks covering up
“the role of politics and power.” But by contrasting this fiction
with global health research “driven by crises, hot issues, and
the concerns of organized interest groups,” as a “path we are
trying to move away from,” Ooms is submitting to a liberal
conception of politics he implicitly criticizes the outcomes
of.1 A liberal view of politics evades the constituting role of
conflicts and reduces it to either a rationalistic, economic
calculation, or an individual question of moral norms. This
is echoed in Ooms when he states that “it is not possible to
discuss the politics of global health without discussing the
normative premises behind the politics.1 But what if we
take the political as the primary level and the normative as
secondary, or derived from the political?
That is what we will try to do here, by introducing an
alternative conceptualization of the political and hence free
us from the “false dilemma” Ooms also wants to escape.
Although constructivists have emphasized how underlying
normative structures constitute actors’ identities and
interests, they have rarely treated these normative structures
themselves as defined and infused by power, or emphasized
how constitutive effects also are expressions of power.2 This
is the starting point for the political theorist Chantal Mouffe,
and her response is to develop an ontological conception of
the political, where “the political belongs to our ontological
condition.3 According to Mouffe, society is instituted
through conflict. “[B]y ‘the political’ I mean the dimension of
antagonism which I take to be constitutive of human societies,
while by ‘politics’ I mean the set of practices and institutions
through which an order is created, organizing human
coexistence in the context of conflictuality provided by the
political.3 An issue or a topic needs to be contested to become
political, and such a contestation concerns public action and
creates a ‘we’ and ‘they’ form of collective identification. But
the fixation of social relations is partial and precarious, since
antagonism is an ever present possibility. To politicize an issue
and be able to mobilize support, one needs to represent the
world in a conflictual manner “with opposed camps with
which people can identify.3
Ooms uses the case of “increasing international aid spending
on AIDS treatment” to illustrate his point.1 He frames the
View Video Summary
Tangcharoensathien et al
International Journal of Health Policy and Management, 2017, 6(2), 107–110108
UHC Cube: Trade-off Within and Across Three Dimensions
Trade-off is a situation where one must decide to choose
between or balance the two alternatives that are opposite or
cannot be taken at the same time. There are three dimensions
of the UHC cube (see Figure 1). The X axis is the population
coverage, the Y axis is the cost coverage measured by level
of out of pocket cost sharing by members, and the Z axis is
the service coverage, how comprehensive the benefit package
would cover? There are also trade-offs between these three
dimensions such as should the country cover more services
to certain groups, or same service for the whole population?
X Axis: Population Coverage
Within each of the three dimensions, there are trade-offs.
On the X axis, we concur with Norheim’s assertion, on an
ethical ground, that the poor, the worse off and certain
disadvantaged groups who are unable to pay their medical
bills should be covered first. This ethical choice will gain high
political support, if these population sub-groups are vocal
constituencies who cast their votes or influence others in
an election every four to five years in developing countries.
Unfortunately, very often they are voiceless and powerless.
Increasingly, private sector employment are growing
especially in middle-income context, that payroll tax financed
social health insurance (SHI) systems should be introduced
as soon as possible, in order to minimize the regressive out
of pocket payment, with a caveat that payroll tax finance
must be designed as a progressive source, where the higher
income employees pay higher contribution than the lower
income counterparts. When window of opportunities open,
SHI can be introduced immediately, and no need to wait for
full coverage of the poor.
In developing countries, implementing tax financed scheme
dedicated for the poor, or exempting them from paying user
fees is challenging. Thailand medical welfare scheme for
the low income households introduced in 1975; premium
funded voluntary health card scheme for the informal sector
in 1984; and payroll tax financed SHI scheme for private
sector employees in 1990 demonstrated the explicit political
decision on population extension on the X axis based on
ethical principles, the more vulnerable they are, the higher
priority they receive.
Z Axis: Service Coverage
On the Z axis, which service package is offered to different
population group is a political choice, often governed by
the government fiscal spaces and how priority is made;
either informed by cost-effectiveness evidence, financial
risk protection, equity or pragmatism. Often there is limited
technology assessment capacity in developing countries.
Though global evidence is available such as Disease Control
Priority4 and Cost-effectiveness and strategic planning
(WHO-CHOICE),5 countries need capacities to translate
them into policies and implementation. As comprehensive
benefit package was fully applied in all financial risk protection
schemes, it is not possible to apply a new positive list covering
basic essential package; hence pragmatism is applied by Thai
reform, with the application of negative list, where all services
are covered except a few in the list.
Despite the cost-ineffectiveness and large budget impact,
renal replacement therapy for kidney failure patients, a life
threatening condition, was approved by the government in
2008 on equity ground and financial protection. Two other
schemes, the government employee and the private sector
employee schemes have full coverage of renal replacement
treatment; should not the universal coverage scheme (UCS)
get this similar service? Cost of treatment is catastrophic to
UCS members, certain patients died from inadequate out of
pocket financed dialysis, leaving behind a large debt to repay
by family.6-8
Inequity arises when certain services are not available in
remote rural areas where the poor live, but enjoyed by urban
rich population. Introducing UHC without adequate and
equitable distribution of supply side capacity is prone to pro-
rich outcomes, as demonstrated in China9 and Philippines.10
While extensive geographical coverage of functioning primary
healthcare determines the pro-poor UHC outcomes.11,12
The Thai UHC was introduced after three decades of
government investment in health service infrastructure in
particular district health systems, and ensuring functioning
of health service through mandatory rural services by health
professional graduates.13 Skilled birth attendance had reached
99.3% of total births; and contraceptive prevalence 79.2% of
women age 15-49 in 2000, well before UHC achievement in
2002.14 An extensive geographical coverage of functioning
health services is the foundation for effective UHC
implementation.
Y Axis: Cost Coverage
On Y axis, cost sharing is interlinked with X axis, which
population group should or should not co-pay, and interlink
with Z axis, which services should be fully subsidized.
Clearly, Thailand applied equity principle where the poor
are exempted from payment or copayment; and efficiency
principle where services such as maternal and child health,
immunization, cost effective interventions and community-
based public health interventions are fully subsidized to the
whole population, not only the poor due to external benefits.
Until recently when UHC was achieved in 2002 that all
services in the benefit package are fully covered, free at point
of services; this is not because improved fiscal capacity but the
application of close end payment which has the merits of cost
Figure 1. The Three Dimensions of WHO UHC Cube.
Abbreviations: WHO, World Health Organization; UHC, universal
health coverage.
Y Axis
Z Axis
X Axis
Tangcharoensathien et al
International Journal of Health Policy and Management, 2017, 6(2), 107–110 109
containment and system efficiency. Efficiency frees up more
resources for zero co-pays.
A caveat on copayment, introducing copayment as percentage
of the medical bills in particular when insurance agency
applies fee-for-service is harmful to the patients in particular
the low income; ample evidence shows that fee-for-service
stimulates supplier induced demand (demand in excess
of what patient would choose) because of information
asymmetry in healthcare market, hence professional acts as
patients’ agent and making decision on their behalf. Fee-for-
service provides opportunities for professionals to maximize
services.15 Copayment can be applied to discourage bypassing
primary healthcare. However, ensuring quality at primary
healthcare to gain citizens’ trust and confidence are important
prerequisites.
Strategic purchasing comes into play to contain cost and
protect members from catastrophic spending and medical
impoverishment. Institutional capacities to manage
purchasing by insurance agencies are contributing factors to
efficiency and equity.3 Cost coverage in Y and service coverage
in Z axes are interlinked under the strategic purchasing design
and implementation.13
UHC achieves favorable outcomes as it was implemented
when there was a full geographical coverage of primary
healthcare coverage in all districts and sub-districts after
three decade of health infrastructure investment and health
workforce development since 1980s.
Thailand UHC Trajectory: A Long March Between 1975
and 2002
Figure 2 portrays three distinct groups of Thai population, for
which different prepayment schemes are introduced.
At the bottom layer, people living below national poverty line
was covered by publicly financed medical welfare schemes,
launched in 1975, which gradually extended to cover all
elderly, children under 12 years old, persons with disability
and village health volunteers.
At the top layer, government employees and their dependents
are historically covered by non-contributed tax financed
scheme, as part of the comprehensive welfare. Civil servants
salary is claimed to be lower than labour market. The private
sector employees are covered by payroll tax financed SHI,
launched in 1990, as part of the comprehensive social security
including pensions and unemployment benefits.
The informal sector, at the middle layer, was covered by
Figure 2. Thailand Trajectories Towards UHC.
Abbreviation: UHC, universal health coverage.
voluntary premium financed public insurance launched
in 1984 by the Ministry of Public Health, and later 50% of
premium was subsidized by the government in 1992. Despite
Ministry of Public Healths efforts, coverage remained low;
by 2001, 30% of total population was uninsured. Clearly,
voluntary nature of prepayment scheme cannot achieve UHC.
In 2002, in keeping UHC political manifesto in the 2001
general election, decisive political decision was made to
cover the whole bottom and middle layers by UCS, financed
by general tax. Tax is one of the most progressive sources of
financing.3 Squeezing from the bottom described in Figure
2, by tax financed reflects strong government commitment
on UHC. It is technically not feasible to enforce premium
payment by the large size informal sector and their irregular
income; while premium financed UCS is political non-
palatable. Effectiveness of premium collection and equity
in financial contribution were the two main concerns in
extending coverage to the informal sector. Additional budget
required to finance UCS is within fiscal capacities in 2002.
The use of closed end budget with mixed provider payment
methods in UCS contains cost and prevents supplier induced
demands.
Arguments arise on inequity in financial contribution that
private sector employees have double contributions: payroll-
tax for SHI coverage and general tax (direct and indirect)
while UCS members only contribute to general tax. This may
incentivize an increased informality in the economy. Tax
financed UHC is the political choice and societal preference
to maintain payroll tax financed SHI. It is a political correct
and technical sound decisions to apply tax-finance UHC in
2002 when Thailand decided to achieve UHC fairly quickly.16
Advocates to abolish contribution in SHI is not a political
correct and economic sound proposal given the increased size
of formal sector.
Finally, the reform in 2002 resulted in UCS for the bottom
and middle layers, 75% of total people; while keeping intact
the Civil Servant Medical Benefit Scheme for government
employees and SHI for private employees. The application
of close ended budget facilitates more comprehensive service
coverage and high financial risk protection for UCS and SHI
members.
The key designs contributing to favorable outcomes are; a
comprehensive benefit package and free at point of service
contributes to high level of financial risk protection as
measured by the incidence of catastrophic health expenditure
and medical impoverishment3; contracting with district
health systems contributes to pro-poor use of services and
public resources as measured by benefit incidence.11
After UHC: Fragmentation Across Different Schemes
Fragmented schemes are essential feature of UHC transition
when most countries apply targeting population groups.
Norheim assumes a single entity in making decisions about
how to expand coverage; there are many actors having stakes
on UHC, such as Ministry of Health, Ministry of Labour and
also private insurance agencies. Expansions of services that
are privately financed are hard to influence in a laissez fair
economy.
In the stride towards UHC, various countries extend
coverage to different population sub-group when windows
Bottom layer: the poor families,
measured by poverty or other arbitrary
measures
Middle layer: Informal sector
Borderline poor and non-poor
Top layer: formal public private sector
employees and dependants 15%
70%
15%
Contributory scheme
OR Subsidized contributory scheme
OR Tax -financed scheme
CSMBS,
SHI
UCS
Payroll tax financed
Social Health Insurance: tripartite
contributory scheme
Squeeze from the TOP
Squeeze from the BOTTOM
Tax -financed social welfare scheme:
The poor, elderly, children <12 years,
disable, village health volunteers
Tangcharoensathien et al
International Journal of Health Policy and Management, 2017, 6(2), 107–110110
of opportunity opened, for example the poor subsidized by
general tax, the private sector employees by SHI payroll tax
financed scheme, and informal sector by premium financed
voluntary community based health insurance, with or without
government subsidies, such as the case of Thailand,2 China,17
Lao PDR.18 These trajectories result in discrepancies across
different insurance schemes in term benefit package and
provider payment causing inequity and inefficiency.
In the paths towards UHC, LMICs should recognize these
challenges facing the pathfinder countries; efforts should be
given to minimize the gap of inequity through harmonization
strategic purchasing (in particular benefit package, level
of public subsidies and provider payment methods) across
different schemes, if unavoidably different schemes for
different population groups are applied.
Conclusion
We fully support Norheim’s recommendation that “Robust
public accountability and participation mechanisms are,
therefore, essential when deciding on the overall strategy and
the appropriateness of central trade-offs on the path to UHC.
However, not all LMICs have such platform. Cross country
learning and sharing lessons from UHC pathfinder countries
convened by international development partners, as well as
institutional capacity strengthening focusing on strategic
purchasing function are further recommended.
Expansions of financial risk protection are incremental
processes where there is no “clean slate” furnished with all
ethical options for making UHC choices; reformists should
stand ready when the political windows open to re-orient
toward more equitable and ethical choices.
Acknowledgements
We pay tributes to the late professor Nikom Chantaravitura
and Dr. Sanguan Nittayaramphong, who are the champions in
marshalling Thailand adoption of Social Security Scheme in
1990 and Universal Coverage Scheme in 2002. We acknowledge
policy-makers, managers, program implementers, front line
health workers and researchers for their contributions in the
design, implementation, monitoring, and evaluation of UHC.
Ethical issues
Not applicable.
Competing interests
Authors declare that they have no competing interests.
Authors’ contributions
VT conceptualizes and starts the first draft. All authors contribute to strengthening
the manuscript, reviewed and signed off the final version.
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... UHC stresses equal access to quality healthcare without financial hardship [1][2][3][4]. However, achieving UHC entails budget constraints, forcing governments to prioritize healthcare services, expand coverage, and substitute out-of-pocket spending with prepayment methods [5][6][7]. UHC embodies equity, efficacy, and efficiency in healthcare use and outcomes [8,9]. It mandates governments to gradually expand coverage and suitable resource distribution to social sectors based on a country's economic and fiscal capacity [10][11][12]. ...
... Further challenges like inconsistent benefit packages, administrative procedures, quality healthcare access, transportation expenses, other indirect costs, or qualifying for assistance schemes often arise [6]. Overcoming these hurdles requires open, accountable priority-setting and consistent inequality assessments [7,9,[13][14][15]. ...
... The expansion of the program, further investments in quality public health services, expansion of the HEF, and removal of non-financial barriers to access healthcare may well contribute in the medium-term to reductions in inequality. Tables 5,6,7,8,9,10,11,12 and 13 23:196 Appendix 1 ...
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Background Out-of-pocket healthcare expenditure (OOPHE) without adequate social protection often translates to inequitable financial burden and utilization of services. Recent publications highlighted Cambodia’s progress towards Universal Health Coverage (UHC) with reduced incidence of catastrophic health expenditure (CHE) and improvements in its distribution. However, departing from standard CHE measurement methods suggests a different storyline on trends and inequality in the country. Objective This study revisits the distribution and impact of OOPHE and its financial burden from 2009–19, employing alternative socio-economic and economic shock metrics. It also identifies determinants of the financial burden and evaluates inequality-contributing and -mitigating factors from 2014–19, including coping mechanisms, free healthcare, and OOPHE financing sources. Methods Data from the Cambodian Socio-Economic Surveys of 2009, 2014, and 2019 were utilized. An alternative measure to CHE is proposed: Excessive financial burden (EFB). A household was considered under EFB when its OOPHE surpassed 10% or 25% of total consumption, excluding healthcare costs. A polychoric wealth index was used to rank households and measure EFB inequality using the Erreygers Concentration Index. Inequality shifts from 2014–19 were decomposed using the Recentered Influence Function regression followed by the Oaxaca-Blinder method. Determinants of financial burden levels were assessed through zero-inflated ordered logit regression. Results Between 2009–19, EFB incidence increased from 10.95% to 17.92% at the 10% threshold, and from 4.41% to 7.29% at the 25% threshold. EFB was systematically concentrated among the poorest households, with inequality sharply rising over time, and nearly a quarter of the poorest households facing EFB at the 10% threshold. The main determinants of financial burden were geographic location, household size, age and education of household head, social health protection coverage, disease prevalence, hospitalization, and coping strategies. Urbanization, biased disease burdens, and preventive care were key in explaining the evolution of inequality. Conclusion More efforts are needed to expand social protection, but monitoring those through standard measures such as CHE has masked inequality and the burden of the poor. The financial burden across the population has risen and become more unequal over the past decade despite expansion and improvements in social health protection schemes. Health Equity funds have, to some extent, mitigated inequality over time. However, their slow expansion and the reduced reliance on coping strategies to finance OOPHE could not outbalance inequality.
... The comprehensive literature review included 8 articles [13][14][15][16][17][18][19][20] and HTA guidelines of 10 health systems, [21][22][23][24][25][26][27][28][29][30] as shown in Appendix Table 4 in Supplemental Materials found at https://doi. org/10.1016/j.jval.2025.01.012. ...
... Health equity is an established criterion for decision making in the Philippines, 26 Singapore, 20 and Thailand. [14][15][16]25,26 More importantly, it was mandated by law in the Philippines to consider equity in the decision-making process. An informant from Malaysia shared that equity was considered in the decision making by considering patient involvement and input. ...
Article
Objectives This landscape analysis aimed to summarize the role of health equity in the health technology assessment (HTA) process (topic nomination, topic prioritization, assessment, appraisal, and decision making) in Asia. Methods A comprehensive literature review was conducted, followed by in-depth interviews with key informants. Content analysis was performed to summarize the role of health equity in HTA in 13 health systems in Asia, including Brunei Darussalam, Cambodia, China, Indonesia, Japan, Malaysia, Myanmar, Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. Results Health equity was reported to be considered in most health systems’ HTA processes, except for Cambodia and Myanmar, which do not have an established HTA process. Interviews revealed that health equity has been more frequently considered to address the unmet medical needs of specific diseases (eg, high disease burden or severity, rare diseases, cancer, and diseases affecting children and the elderly) in Brunei Darussalam, China, Japan, Malaysia, Singapore, South Korea, Taiwan, Thailand, and Vietnam or inequities in socially disadvantaged groups (eg, socioeconomic status and geographical location) in Indonesia and the Philippines. Equity-informative economic evaluation was still in the early stages, with only 3 health systems reporting their use. Conclusions Health equity is considered in the HTA process in most Asian health systems. However, quantitative evaluation of health equity impact is still in its infancy because few health systems have just begun to perform equity-informative economic evaluations.
... Taxation can be a progressive method of raising government funds for health (when richer people pay more than poorer people) and has lower administrative costs and is more feasible than contributory health insurance schemes. 1 The challenge of enforcing mandatory insurance premiums for health care among populations in the informal sector is a major barrier to achieving UHC. 2 Increasing domestic tax revenue is especially important for achieving UHC in countries with low tax bases. For each 100 United States dollars (US$) per capita annual increase in tax revenue results in a US$ 9.86 increase (95% confidence interval, CI: 3.92-15.8) ...
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Problem: The challenge of implementing contributory health insurance among populations in the informal sector was a barrier to achieving universal health coverage (UHC) in Thailand. Approach: UHC was a political manifesto of the 2001 election campaign. A contributory system was not a feasible option to honour the political commitment. Given Thailand's fiscal capacity and the moderate amount of additional resources required, the government legislated to use general taxation as the sole source of financing for the universal coverage scheme. Local setting: Before 2001, four public health insurance schemes covered only 70% (44.5 million) of the 63.5 million population. The health ministry received the budget and provided medical welfare services for low-income households and publicly subsidized voluntary insurance for the informal sector. The budgets for supply-side financing of these schemes were based on historical figures which were inadequate to respond to health needs. The finance ministry used its discretionary power in budget allocation decisions. Relevant changes: Tax became the sole source of financing the universal coverage scheme. Transparency, multistakeholder engagement and use of evidence informed budgetary negotiations. Adequate funding for UHC was achieved, providing access to services and financial protection for vulnerable populations. Out-of-pocket expenditure, medical impoverishment and catastrophic health spending among households decreased between 2000 and 2015. Lessons learnt: Domestic government health expenditure, strong political commitment and historical precedence of the tax-financed medical welfare scheme were key to achieving UHC in Thailand. Using evidence secures adequate resources, promotes transparency and limits discretionary decision-making in budget allocation.
... A cada crise do capitalismo, e muitas ainda hão de ocorrer, aumentam os estrangulamentos dos recursos destinados às áreas sociais, os choques e os incentivos para a oferta de saúde em pacotes ou cestas de produtos, de acordo com a capacidade de pagamento ou pela inversão da cidadania. Se estamos nos distanciando cada vez mais dos determinantes sociais de saúde, por outro lado, alguns princípios permanecem fortalecidos, a ponto de terem sido incluídos em certas iniciativas hegemônicas e ambíguas, ao menos como indicativo, tal como a busca da equidade na cobertura universal em saúde 39,53 . ...
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In recent decades, the global and aggressive crises-transformed capitalist system has subjected society to fiscal austerity and strained the assurance of its right to health, as an imposition to increase health systems efficiency and effectiveness. Health equity, on the other hand, provides protection against the harmful effects of austerity on population health The aim of this article is to analyse the effect of the global financial crisis on how health equity is considered against effectiveness in international comparisons of health systems efficiency in the scientific literature. Integrative review, based on PubMed and VHL databases searches, 2008-18, and cross-case analysis. The balance between equity and effectiveness must be sought from health financing to results, in an efficient way, as a means to strengthening health systems. The choice between alterity or austerity must be made explicitly and transparently, with resilience of societal values and the principles of universality, integrality and equity.
... 19 Finally, prior to UCS, the informal sector was covered by voluntary premium-financed public insurance launched in 1984 by the MOPH, and later 50% of the premium per household was subsidized by the government in 1992. 20 This public voluntary health insurance scheme was also managed by MOPH using a "public integrated model," where the MOPH served as both payer and provider. It faced similar challenges to the Low Income Scheme in terms of low levels of responsiveness. ...
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Thailand achieved full population coverage of financial protection for healthcare in 2002 with successful implementation of the Universal Coverage Scheme (UCS). The three public health insurance schemes covered 98.5% of the population by 2015. Current evidence shows a high level of service coverage and financial risk protection and low level of unmet healthcare need, but the path toward UHC was not straightforward. Applying the Political Economy of UHC Reform Framework and the concept of path dependency, this study reviews how these factors influenced the evolution of the UHC reform in Thailand. We highlight how path dependency both set the groundwork for future insurance expansion and contributed to the persistence of a fragmented insurance pool even as the reform team was able to overcome certain path inefficient institutions and adopt more evidence-based payment schemes in the UCS. We then highlight two critical political economy challenges that can hamper reform, if not managed well, regarding the budgeting processes, which minimized the discretionary power previously exerted by Bureau of Budget, and the purchaser-provider split that created long term tensions between the Ministry of Public Health and the National Health Security Office. Though resisted, these two changes were key to generating adequate resources to, and good governance of, the UCS. We conclude that although path dependence played a significant role in exerting pressure to resist change, the reform team’s capacity to generate and effectively utilize evidence to guide policy decision-making process enabled the reform to be placed on a “good path” that overcame opposition.
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Objectives Universal population coverage for healthcare was achieved in several countries, including Thailand, while retaining fragmented health insurance schemes. Fragmentation in health financing has been debated since it can exacerbate inequalities, especially when health systems are under stress due to a public health emergency. This study examines whether the type of public health insurance affects outpatient healthcare utilization and out-of-pocket expenditure in Thailand before and during the coronavirus pandemic. Methods Using the 2019 and 2021 waves of the nationally representative Health and Welfare Survey and a repeated cross-sectional design, logit and multinomial logit models are estimated to investigate the effect of health insurance type on outpatient healthcare utilization (n=10,220), while two-part and Tobit models are employed as alternative models for the analysis of out-of-pocket expenditure (n=12,014). For both healthcare utilization and out-of-pocket expenditure, the study also explores models with and without interactive terms between insurance coverage type and a dummy variable capturing the COVID-19 period. Results Type of health insurance is found to impact provider choice (i.e., designated versus non-designated providers) rather than outpatient care utilization per se. Insignificant interaction effects indicate further that the relationship between health insurance type and outpatient care utilization is not affected by the pandemic. The regression results also show that health insurance type is associated with out-of-pocket expenditure (separated into medical and transportation spending) but the magnitude of the effect is relatively small, pre- and peri-pandemic. High-need persons with, for example, chronic conditions, however, face a higher out-of-pocket burden in terms of medical and transportation spending. Conclusion Overall, the results suggest that Thailand’s universal health coverage system has continued to live up to its promise of access and financial protection in the face of COVID-19, despite existing fragmentation. Notwithstanding, this study highlights that universal health coverage is an ongoing effort that requires careful monitoring, inter alia to mitigate undesirable consequences of fragmentation and to ensure that high-need and other vulnerable persons are not left behind.
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This paper evaluates the relationship between the degree of cost-sharing and the utilization of outpatient and inpatient health services in China. Using data from the 2015 China Health and Retirement Longitudinal Study (CHARLS), we estimated the association between outpatient and inpatient service utilization and cost-sharing levels associated with outpatient and inpatient services, as well as a comparative metric that quantifies the relative cost-sharing burden between the two. We found that patients in areas with higher levels of cost-sharing for outpatient services exhibit a lower propensity to use outpatient care and a higher inclination to utilize costly hospitalisation services. Conversely, as the ratio of cost-sharing for outpatient services to that for inpatient services increases, the likelihood of patients forgoing doctor-initiated hospitalisation correspondingly increases. This suggests that when cost-sharing for outpatient care rises relative to inpatient care, observed increases in inpatient care utilization reflect an escalation in moral hazard rather than a correction for the underutilization of inpatient services. We conclude that both substitution and complementary roles exist between outpatient and inpatient services. Our findings suggest that a more effective design of cost-sharing is needed to enhance the equity and efficiency of China’s health system.
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Background Universal health coverage (UHC) is crucial for public health, poverty eradication, and economic growth. However, 97% of low- and middle-income countries (LMICs), particularly Africa and Asia, lack it, relying on out-of-pocket (OOP) expenditure. National Health Insurance (NHI) guarantees equity and priorities aligned with medical needs, for which we aimed to determine the pooled willingness to pay (WTP) and its influencing factors from the available literature in Africa and Asia. Methods Database searches were conducted on Scopus, HINARI, PubMed, Google Scholar, and Semantic Scholar from March 31 to April 4, 2023. The Joanna Briggs Institute’s (JBI’s) tools and the “preferred reporting items for systematic reviews and meta-analyses (PRISMA) 2020 statement” were used to evaluate bias and frame the review, respectively. The data were analyzed using Stata 17. To assess heterogeneity, we conducted sensitivity and subgroup analyses, calculated the Luis Furuya-Kanamori (LFK) index, and used a random model to determine the effect estimates (proportions and odds ratios) with a p value less than 0.05 and a 95% CI. Results Nineteen studies were included in the review. The pooled WTP on the continents was 66.0% (95% CI, 54.0–77.0%) before outlier studies were not excluded, but increased to 71.0% (95% CI, 68–75%) after excluding them. The factors influencing the WTP were categorized as socio-demographic factors, income and economic issues, information level and sources, illness and illness expenditure, health service factors, factors related to financing schemes, as well as social capital and solidarity. Age has been found to be consistently and negatively related to the WTP for NHI, while income level was an almost consistent positive predictor of it. Conclusion The WTP for NHI was moderate, while it was slightly higher in Africa than Asia and was found to be affected by various factors, with age being reported to be consistently and negatively related to it, while an increase in income level was almost a positive determinant of it.
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The rapid economic growth in low and middle-income countries provides the opportunity of translating political commitment into action for achieving Universal Health Coverage. However, this is not straightforward. High donor dependence in low income countries; the lack of fiscal space; the inadequacy of attention to primary health care and under-developed pre-payment systems all pose challenges. Windows of political opportunity open up and ensuring that Universal Health Coverage makes it into the agenda of parties and subsequent holding them accountable by citizens can address political inertia. Not only is more money for health needed, but governments also need to gain more health for money through effective strategic purchasing and addressing the main drivers of inefficiency. Moving Universal Health Coverage from political aspiration to reality requires approaching it as a citizen's rights and entitlement to health, through full subsidies for the poor and vulnerable.
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This article discusses what ethicists have called "unacceptable trade-offs" in health policy choices related to universal health coverage (UHC). Since the fiscal space is constrained, trade-offs need to be made. But some trade-offs are unacceptable on the path to universal coverage. Unacceptable choices include, among other examples from low-income countries, to expand coverage for services with lower priority such as coronary bypass surgery before securing universal coverage for high-priority services such as skilled birth attendance and services for easily preventable or treatable fatal childhood diseases. Services of the latter kind include oral rehydration therapy for children with diarrhea and antibiotics for children with pneumonia. The article explains why such trade-offs are unfair and unacceptable even if political considerations may push in the opposite direction.
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Empirical evidence demonstrates that the Thai Universal Coverage Scheme (UCS) has improved equity of health financing and provided a relatively high level of financial risk protection. Several UCS design features contribute to these outcomes: a tax-financed scheme, a comprehensive benefit package and gradual extension of coverage to illnesses that can lead to catastrophic household costs, and capacity of the National Health Security Office (NHSO) to mobilise adequate resources. This study assesses the policy processes related to making decisions on these features. The study employs qualitative methods including reviews of relevant documents, in-depth interviews of 25 key informants, and triangulation amongst information sources. Continued political and financial commitments to the UCS, despite political rivalry, played a key role. The Thai Rak Thai (TRT)-led coalition government introduced UCS; staying in power 8 of the 11 years between 2001 and 2011 was long enough to nurture and strengthen the UCS and overcome resistance from various opponents. Prime Minister Surayud's government, replacing the ousted TRT government, introduced universal renal replacement therapy, which deepened financial risk protection.Commitment to their manifesto and fiscal capacity pushed the TRT to adopt a general tax-financed universal scheme; collecting premiums from people engaged in the informal sector was neither politically palatable nor technically feasible. The relatively stable tenure of NHSO Secretary Generals and the chairs of the Financing and the Benefit Package subcommittees provided a platform for continued deepening of financial risk protection. NHSO exerted monopsonistic purchasing power to control prices, resulting in greater patient access and better systems efficiency than might have been the case with a different design.The approach of proposing an annual per capita budget changed the conventional line-item programme budgeting system by basing negotiations between the Bureau of Budget, the NHSO and other stakeholders on evidence of service utilization and unit costs. Future success of Thai UCS requires coverage of effective interventions that address primary and secondary prevention of non-communicable diseases and long-term care policies in view of epidemiologic and demographic transitions. Lessons for other countries include the importance of continued political support, evidence informed decisions, and a capable purchaser organization.
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Thailand has achieved universal health coverage since 2002 through the implementation of the Universal Coverage Scheme (UCS) for 47 million of the population who were neither private sector employees nor government employees. A well performing UCS should achieve health equity goals in terms of health service use and distribution of government subsidy on health. With these goals in mind, this paper assesses the magnitude and trend of government health budget benefiting the poor as compared to the rich UCS members. Benefit incidence analysis was conducted using the nationally representative household surveys, Health and Welfare Surveys, between 2003 and 2009. UCS members are grouped into five different socio-economic status using asset indexes and wealth quintiles. The total government subsidy, net of direct household payment, for combined outpatient (OP) and inpatient (IP) services to public hospitals and health facilities provided to UCS members, had increased from 30 billion Baht (US$ 1 billion) in 2003 to 40-46 billion Baht in 2004-2009. In 2003 for 23% and 12% of the UCS members who belonged to the poorest and richest quintiles of the whole-country populations respectively, the share of public subsidies for OP service was 28% and 7% for the poorest and the richest quintiles, whereby for IP services the share was 27% and 6% for the poorest and richest quintiles respectively. This reflects a pro-poor outcome of public subsidies to healthcare. The OP and IP public subsidies remained consistently pro-poor in subsequent years.The pro-poor benefit incidence is determined by higher utilization by the poorest than the richest quintiles, especially at health centres and district hospitals. Thus the probability and the amount of household direct health payment for public facilities by the poorest UCS members were less than their richest counterparts. Higher utilization and better financial risk protection benefiting the poor UCS members are the results of extensive geographical coverage of health service infrastructure especially at district level, adequate finance and functioning primary healthcare, comprehensive benefit package and zero copayment at points of services.
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The establishment of universal social security systems has been one of the cornerstones of OECD countries' successful economic and social development and has contributed to reducing poverty and fostering social inclusion in today's rich countries. It is increasingly recognized that universal social security systems have an enormous potential for low income countries which has not yet been sufficiently explored. Recognizing that economic and social development are inextricably intertwined across countries, new international strategies are required to design appropriate social security policies which would effectively help to reduce poverty and productively contribute to economic and social development.This paper describes and analyses the policy processes of reforms towards UC including the reform content, roles of public actors and the contextual environment. The paper also further describes the systems design, which addresses deficiencies in order to ensure equity, efficiency and long-term financial sustainability. However, the outcomes of the universal coverage policy in terms of equity and efficiency achievements are published elsewhere.
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When the Thai universal coverage (UC) scheme was established, the government decided to exclude renal replacement therapy (RRT) for end-stage renal disease (ESRD) patients from the benefit package, though RRT was included in two other public health insurance schemes. Access to RRT for UC members thus depended on the ability to pay. This study assessed the economic impact of RRT costs on Thai households of different economic status focusing on three issues: (1) the use of RRT; (2) the financial burden of health care payments and (3) household strategies for coping with RRT costs. In-depth case studies of 20 households covered by the UC scheme and having ESRD patients were undertaken using three qualitative data collection approaches: semi-structured and in-depth interviews, and direct observation. Poorer and richer households in urban and rural areas of Nakorn Ratchasima province, a large province in the Northeast where more than 20 per cent of households live below the national poverty line, were purposively selected. The study was conducted in early 2005 and households were visited every 2 weeks for 3 months. Interviews were transcribed and analysed using a thematic approach. The decision to exclude RRT from the UC benefit package created financial barriers to RRT and had a substantial economic impact on poorer ESRD patients. Inadequate dialyses and erythropoietin injections to correct anaemia appeared to be a major cause of death for poorer patients. Household expenditure on RRT took 25-68 per cent of total income or 31-52 per cent of total expenditure, which meant all poorer patients faced catastrophic health spending. In contrast, richer patients had adequate dialyses, resulting in a higher survival rate and quality of life than poorer counterparts. Various coping strategies were employed by poorer patients; these included reducing frequency of dialyses, reducing food consumption, using public transportation to hospitals and taking high interest loans. The RRT cost burden not only impacted patients but also their household members and relatives who provided financial support. Given the two UC policy objectives of equitable access to health care and financial risk protection, the catastrophic impact of RRT costs on poorer households questions the appropriateness of excluding RRT from the UC benefit package. This issue requires further serious attention by the Thai government. Copyright © 2009 John Wiley & Sons, Ltd.
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As an important outcome of the health system, equity in health service utilization has attracted an increasing amount of attention in the literature on health reform in China in recent years. The poor, who frequently require more services, are often the least able to pay, while the wealthy utilize disproportionately more services although they have less need. Whereas equity in health service utilization between richer and poorer populations has been studied in urban areas, the equity in health service utilization in rural areas has received little attention. With improving levels of economic development, the introduction of health insurance and increasing costs of health services, health service utilization patterns have changed dramatically in rural areas in recent years. However, previous studies have shown neither the extent of utilization inequity, nor which factors are associated with utilization inequity in rural China. This paper uses previously unavailable country-wide data and focuses on income-related inequity of inpatient utilization and its determinants in Chinese rural areas. The data for this study come from the Chinese National Health Services Surveys (NHSS) conducted in 2003 and 2008. To measure the level of inequity in inpatient utilization over time, the concentration index, decomposition of the concentration index, and decomposition of change in the concentration index are employed. This study finds that even with the same need for inpatient services, richer individuals utilize more inpatient services than poorer individuals. Income is the principal determinant of this pro-rich inpatient utilization inequity- wealthier individuals are able to pay for more services and therefore use more services regardless of need. However, rising income and increased health insurance coverage have reduced the inequity in inpatient utilization in spite of increasing inpatient prices. There remains a strong pro-rich inequity of inpatient utilization in rural China. However, a narrowing income gap between the rich and poor and greater access to health insurance has effectively reduced income inequality, equalizing access to care. This suggests that the most effective way to reduce the inequity is to narrow the gap of income between the rich and poor while adopting social risk protection.