Health insurance ↝ Life insurance

Health insurance, EURAXESS Netherlands

Health insurance During your stay in the Netherlands you must make sure you are adequately insured, both for your health and other risks. Your host institution can advise you on which insurance to take out/bring. On this page you can find information on the health insurance system and a list of other insurances you should consider in order to be adequately insured. Read up on how the following topics are relevant for health insurance. Last updated February 2021 Below you can find a flowchart for international researchers and PhD students. This flowchart is for information purposes, no rights can derived from it, and your host institution will be your first point of call in assisting you to...

Health insurance

In Germany, you must take out health insurance as an employee. Health insurance is compulsory here. A distinction is made between statutory and private health insurance. These are two different systems and you cannot switch between them freely. Most employees in Germany have statutory health insurance. As a person with statutory health insurance, you can choose the health insurance provider from a wide range of insurances and suits you eh best. Here is where you can find a list of all statutory health insurance providers. Your partner and your children also enjoy insurance cover: if, for example, your spouse does not work, you can include them in the statutory health insurance. This does...

Should I drop my private health insurance during the pandemic?

Many Australians, especially those experiencing financial hardship due to COVID-19, are asking whether they can afford to keep their private health insurance. Others don’t know if they should drop or downgrade their cover, especially if they cannot or don’t want to access services they’ve paid for. Now consumer group Choice is recommending people think about dropping extras cover, dropping or downgrading hospital cover and asking their insurance company for hardship considerations, which include waiving premiums or suspending their policy. What options do you have? And what are the implications of dropping or downgrading your cover? What services can I use? Our research shows people take...

Profit over people, cost over care: America's broken healthcare exposed by virus, US news, The Guardian

Main image: Healthcare at a hospital in Duluth, Minneapolis, take the temperature of every visitor. Photograph: Alex Kormann/Star Tribune via Getty Images With over 30,900 people dead and more than a 639,000 infected with the coronavirus in the US the last question on a person’s mind should be how they will pay for life-saving treatment. But as the death toll mounted, a patient who was about to be put on a ventilator in one of New York City’s stretched to capacity intensive care units had a final question for his nurse: “Who’s going to pay for it?” Those were the patient’s final words to his medical team, Derrick Smith, nurse anesthetist at a New York City hospital wrote on Facebook last...

Our Unhealthy Addiction to Health Insurance - Foundation for Economic Education

Whenever I give a talk about health care, I ask the audience, “What is the worst addiction problem we have in the United States?” The answers are typically the same and all are good guesses—alcohol, tobacco, opiates, and sugar are most frequently cited. I agree these are all terrible addictions that need to be addressed but, in my opinion, the worst addiction in America right now is to health insurance. The Numbers That answer usually draws a stunned or shocked silence from the audience but the numbers bear it out. The chart below shows the staggering costs Americans spent on healthcare in 2017. Please remember, these figures are in billions of dollars, so $2,961 spent on “personal health...

A 5-Point Model for Value-Based Health Care

Many Americans seem to expect politicians or lawmakers to provide a new model for how health care is delivered. The competing political chants of “Repeal Obamacare” and “Medicare For All” represent the vastly different opinions about how to do this. But the answers may instead come from places other than the inner corridors of Washington, D.C. That should not be surprising, given the partisan gridlock sentiment that permeates the capitol. The real solution is too complex to be reduced to simplified campaign slogans. A core element of the solution is the transformational concept of value-based care, in which health care providers are compensated for the health and well-being of their patient...

Elizabeth Warren s Evolving Position on Health Care Reform, Washington Monthly

Back in March of 2018, Elizabeth Warren authored a bill titled, the Consumer Health Insurance Protection Act, which was aimed at further regulating private insurance companies. Here is how Warren described her proposal: [A]s Warren made clear in a January speech before the consumer group Families USA, she understands that enacting a single-payer plan would be difficult ― and that, as a result, private insurance probably won’t disappear overnight. And so she also wants to focus on what can be done right away to subject the industry to the type of stringent consumer protections she has already successfully championed in the financial sector. “So long as private health...

Expat Health Insurance, International Medical Insurance for Expatriates

Expat Worldwide Medical Coverage Worldwide with Comprehensive Travel Medical Insurance Fast Facts Many global citizens, leisure travelers and business travelers still do not have robust international health insurance protection while overseas. The choices left to you in the absence of a comprehensive travel medical insurance plan might be 1.) Government-sponsored programs (such as Medicare) which categorically do not cover care received in a foreign country or 2.) Employer-sponsored health plans which are limited in their international travel medical insurance and very rarely cover medical evacuation. Under employer-sponsored health plans, even if a sudden onset of illness or injury is...

New York health insurance premiums will grow in 2020

ALBANY — Health insurance premiums will rise approximately 6.8 percent next year for individuals and 7.9 percent for employers who purchase coverage on New York's state-run health exchange. The rate increases were approved by the state Department of Financial Services, which announced Friday it had "saved" consumers more than $50 million and small businesses more than $313 million by lowering the amount insurers were initially seeking to charge. The rates insurers had requested would have raised premiums 9.2 percent for individuals and 12.2 percent for employers. Insurers say the rate hikes are primarily driven by rising drug and hospital costs, as well as the reinstatement next year...

Health Insurance Market Reforms , CMS

The Affordable Care Act includes a number of provisions that reform the health insurance market. These reforms work to put American consumers back in charge of their health coverage and care, ensuring they receive value for their premium dollars. The law creates a more level playing field by cracking down on unreasonable health insurance premiums and holding insurance companies accountable for unjustified premium increases. Starting in 2014, the law bans annual dollar limits. This means plans cannot have annual dollar limits on coverage of essential benefits, such as hospital, physician and pharmacy benefits. Under the law, if a plan includes children, a parent can cover children on their...