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Q: Health Insurance Overseas ( Answered 4 out of 5 stars,   1 Comment )
Question  
Subject: Health Insurance Overseas
Category: Business and Money
Asked by: napoleon_olive-ga
List Price: $20.00
Posted: 28 Oct 2005 13:17 PDT
Expires: 27 Nov 2005 12:17 PST
Question ID: 586139
Two factors that seem to be slowing the jobs recovery in the US
economy are overseas outsourcing and the rapid rise in health
insurance costs. So, I'm curious, do employees in outsourced
operations, say in India, have any health coverage? If so, is it
employer or government provided? If not, do people just go
without?	I?ll send you a $10 tip if you can answer!
Answer  
Subject: Re: Health Insurance Overseas
Answered By: hedgie-ga on 27 Nov 2005 04:24 PST
Rated:4 out of 5 stars
 
napoleon

   This type of the question which researchers tend to avoid, because
it is enormous. One can spend days and days researching it,
 and question always remains: how much you want to read?

 There are tons of studies, lot of statistics, and also controversy.

How do you compare quality of care? The cost of living is different - but 
cost of living does not determines quality of life nor does cost (  or
percentage of GNP spent on health ) determines quality of care
measured
as  by usual indicators.

Just as a preview, here is one study which compares what people in US
spend and get with other countries:


---------------
Overhead and Efficiency

 A more plausible suspect is administrative overhead in the U.S.
health care system. For example, a study by Steffie Woolhandler, et al
concluded that, "administration accounted for 31.0 percent of health
care expenditures in the United States and 16.7 percent of health care
expenditures in Canada." Their view is that switching to a Canadian
style national health insurance system would reduce administrative
costs.
-----------------
http://www.techcentralstation.com/032105B.html

People compare quality of care by life expectancy, child mortality, ...
but these numbers depend on diet, lifestyle, and other factors  as described here.

e.g.

Japan
People in Japan have the longest life expectancy in the world. This
could be part down to low cholesterol levels in traditional Japanese
diet, which is practically free from saturated fats. Popular
ingredients in a Japanese diet include fish, seaweed, tofu, soybeans,
rice and soba noodles (source: www.naturalelixir.
http://www.prb.org/Content/NavigationMenu/PRB/Educators/Human_Population/Health2/World_Health1.htm

And the picture is changing rather quickly.

In India:

Going by measures of improved healthcare in terms of life expectancy
and infant mortality, India has certainly made progress. Life
expectancy during the period (1951-2003) has increased from 37 to 65
years. Infant mortality (per 1000 live births) during the same period
has come down to 64 from 150. Also, death rate (per 1000) and birth
rate (per 1000) have also come down from 25 to 8 and from 41 to 25
respectively during the same period. The pharmaceutical industry is a
major contributor for the improvement in health indicators. This is
noteworthy, considering the fact that neither sanitation nor
environmental hygiene has improved significantly during the period.
http://www.indiaoppi.com/pharmindindia.htm

 In Eastern Europe, which like India
is recipient of health tourism (from western Europe) and recipient of outsourced
 jobs, health care is in transition from 'socialized medicine' to a US
model. Quality is increasing, but cost is increasing much faster.
Health insurance is compulsory but for most, it is paid 100% by
employer; lot of the generic
(not always reverse engineered but traditional) drugs are being
replaced by more expensive brands, but there is more of a selection.
 Subjectively, health care is a great bargain compared to US.

http://www.europarl.eu.int/workingpapers/saco/101/default_en.htm
http://economist.com/surveys/displaystory.cfm?story_id=2895909

I think I did  not answer your question. You may ask me to remove
this, but I  hope you will ask instead ask for clarifications. Your
question is interesting and I have personal experience of working in
US and elswhere on which I can draw.

To summarise my subjective opinion: Other countries to not have the enormous
cost of litigation explosion, which affects the health industry more than  most.
The other countries do not (yet) have regulatory monopoly which  drug
companies enjoy in US. (Remember how president Bush was worried that
cheap medicines imported from Canada may not be safe?). Finally, the
care for employed and insured worker in US is higher then elsewhere
(particularly in dental care).
Other countries do not have same obsession (or selfinterest) with IP as US has.
Other countries do not have same constituency with strong beliefs which leads 
 'Tony Schiavo' type controversies and costs. 

So, it is all of the above:  Patient in other counties go without some
very expensive technology, drugs and frills.
 Patients in other caries get much better care per dolars,
 the people in US get for their.

Does this answer at least part of your question?

Hedgie
napoleon_olive-ga rated this answer:4 out of 5 stars and gave an additional tip of: $10.00
Thanks for the information you provided.  I know it was a tough
question, and I appreciate the work you put into it.

Comments  
Subject: Re: Health Insurance Overseas
From: mytwocents-ga on 26 Nov 2005 03:09 PST
 
Regarding health insurance in business process outsourcing units in India: 

Some employers do provide health insurance through group mediclaim
policies. Health insurance is relatively cheaper in India. More so for
BPO employees considering that most of them are extremely young and
just out of college. However, the health insurance has its limitations
because the system of managed healthcare is not there and very often
insured persons have to often settle hospital bills on their own and
then seek reimbursement from insurance companies. It is only in the
last three years that insurance companies have been tying up with
hospitals so that those holding health insurance can avail cashless
treatment.

Uninsured people are not as disadvantaged in India as in US because
there is huge public investment in free healthcare facilities.
Medicines are cheaper because of large scale production of generic
drugs and the fact that reverse engineered drugs were recognised until
some time ago. Also the huge availability of manpower has kept cost of
services low. The cost difference has made India one of the popular
destinations for medical tourism.

Health insurance scene in India
 http://www.ficci.com/ficci/media-room/speeches-presentations/2004/oct/indian-insurance/Russell_Parera.ppt.

Employee Benefits provided by BPO firms

http://66.102.7.104/search?q=cache:ge-06YDYK0YJ:www.bpoindia.org/research/bpo-in-india.shtml+BPO+health+insurance+India&hl=en

India as Medical Tourism destination

http://www.ficci.com/ficci/media-room/speeches-presentations/2003/dec/maxhealthcare.pdf

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