Аннотация:
The aim of implementing new social health insurance
system in Kazakhstan is increasing the expenses for one
household and decrease the out-of-pocket payments. The
importance of out-of-pocket payments is part of the financing
system of health care in all countries. However, catastrophically
high private spending can lead to financial instability of the entire
health system, and national economy as a whole. High level of
private service costs health suggests that the population prefers
pay for medical services at their own expense. And this means
that allocated public funds are not enough effectively used, there
is still a shortage accessibility of health services. Also unregulated
high health care prices are often an obstacle to access to necessary
medical care, and also contributes to growth of pocket payments,
causing financial problems protection of the population.
The research methods of dissertation are system analysis,
statistical analysis, quantitative analysis, forecasting and PEST
analysis.
iiiThe first stage was implemented by analyzing all existing
approaches to determining the meaning of social health insurance,
defining criteria, considering types and factors of health insurance,
out-of-pocket payments, healthcare system of Kazakhstan;
The second stage included the diagnostic work and control
of statistical information regarding expenses of households on
medical care, analyzing of report of Republic center of healthcare
development about national accounts of healthcare for 2010-2018
years. All the information regarding government spending and out-
of-pocket payments of households were taken from this report.
Information about compulsory social health insurance payers,
socially vulnerable population of the Republic of Kazakhstan were
found on the the official site of Compulsory health insurance Fund,
expenditures of Fund’s assets, Statistic committee of Republic of
Kazakhstan, Taldau.stat.gov.kz, the official site of Ministry of
Healthcare of Republic of Kazakhstan, OECD reports.
The problem in this dissertation was identified by using
statistical data of out-of-pocket payments, which increases year by
year. As the hypothesis of work is implementation of social health
insurance decreases the out-of-pocket payments, in the results were
made forecast of contributions to compulsory social health
insurance, out-of-pocket payments percentage, and the impact of
implementing CSHI to the level of out-of-pocket payments.
ivIn the last stage, using the higher tariffs assumption there were
made recommended forecasting , as a result in 2023 the percentage
of out-of-pocket payments will reach to 20.4%. Recommended
tariffs to reach the level of percentage recommended by WHO:
government contributions for 15 preferential category – 10%,
employer deductions – 10%, employee contributions - 5%, and
individual entrepreneurs contribution – 8%.
