Page 48 - Ebook health insurance IC27

The Insurance Times

enrolled in small business national health plan operated by the
Government, which covers 30 % of Japan, and is paid by both payroll
taxes and fund revenue. The third category of insurance is the Citizens
Insurance Program, which covers the self employed, contributions
from the other two programs and general tax revenues.
The unemployed remain in their previous cover with their payroll
contributions waived off. All plans cover a range of benefits, including
dental care, maternity, and prescription drugs.
(v) Chile - Here the employees have to make a mandatory contribution of 7%
of their wages, which could then be used to contribute for health insurance
coverage from Public Sector Funs (Fonasa) established to administer
the social health insurance scheme, or through the private sector insurers
(Isapres).
About 67% is enrolled with Fonasa but 20% is enrolled with Isapres..
Both schemes are regulated by the Superintendence of Isapres, under the
Ministry of Health, Govt of Chile. Fonasa is funded 50% by general tax
revenues of the government, while the remaining financing occurs through
the mandatory contribution by employees and retired people. Substantial
out of pockets are however common, despite the high wage contribution
by employees.
(vi) Thailand - In Thailand, there are three main insurance schemes which
cover most of the country's population. The Civil Service Medical Benefits
Schemes (CSMBS) cover government employees, which is about 8% of
the country's population.
The second, the Social Security Scheme (SSS) resembles the ESIs
of India. It is a mandatory, tripartite contribution scheme, where
costs are shared by the employers, employees and the government

5 2 Guide for Health Insurance