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Revista médica de Chile

Print version ISSN 0034-9887

Abstract

ZUNIGA F, Alejandra. A proposal for the definitive reform of the private health insurance system in Chile. Rev. méd. Chile [online]. 2014, vol.142, n.4, pp.501-505. ISSN 0034-9887.  http://dx.doi.org/10.4067/S0034-98872014000400012.

Private health insurance should be able to provide coverage to people considered as high risk, such as women and the elderly. The only way to do that is to organize implicit or explicit cross-subsidies from low to high-risk individuals. This paper examines how European private health insurance companies introduced regulatory measures that could be introduced in Chile such as open enrollment, community-rated premiums, lifetime coverage, a package of minimum benefits and a risk equalization scheme.

Keywords : Health benefit plans; Insurance, health; Managed care programs.

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