1、醫療融資的目的醫療融資的目的我們提出改革醫制，是要它能持續發展，並能我們提出改革醫制，是要它能持續發展，並能緊貼醫科技進步，希望能夠緊貼醫科技進步，希望能夠為市民提供終身、全面、全人的基層醫，並特別着重增進健康為市民提供終身、全面、全人的基層醫，並特別着重增進健康的預防性護。的預防性護。為市民提供多優質、高效和具成本效的公私營醫服務，為市民提供多優質、高效和具成本效的公私營醫服務，以供選擇。以供選擇。為幸患重病需要昂貴治的市民提供好的醫保障，讓大為幸患重病需要昂貴治的市民提供好的醫保障，讓大家安心；以及政府能繼續與市民並肩，為增進市民健康共同作出家安心；以及政府能繼續與市民並肩，為增進市民健康
2、共同作出財政承擔。財政承擔。醫療融資的醫療融資的6大方案大方案醫療融資的6大方案醫療融資的6大方案模式模式1：近似徵稅的模式：近似徵稅的模式向在職人士徵收佔入息若干百分比的金額。向在職人士徵收佔入息若干百分比的金額。所有人都獲得同等的資助醫療服務。所有人都獲得同等的資助醫療服務。選擇私營服務的人可能要支付資助金額以外的費用。選擇私營服務的人可能要支付資助金額以外的費用。按收入供款，無須供款者亦可獲益。按收入供款，無須供款者亦可獲益。醫療融資的6大方案模式模式1：近似徵稅的模式：近似徵稅的模式方案方案1：醫療社保：醫療社保醫療融資的醫療融資的6大方案大方案模式模式2：用者付費模式：用者付費模式
3、提高公營醫療服務收費。除低收入人士和弱勢社群外，提高公營醫療服務收費。除低收入人士和弱勢社群外，用者須分擔大部分的醫療費用。用者須分擔大部分的醫療費用。醫療融資的醫療融資的6大方案大方案模式模式2：用者付費模式用者付費模式 規定指定組別人士規定指定組別人士(例如某入息水平以上的在職人士例如某入息水平以上的在職人士)將將部分收入存入個人的醫療儲蓄戶口，以支付自己未來部分收入存入個人的醫療儲蓄戶口，以支付自己未來(特是退休後特是退休後)的醫療費用。的醫療費用。醫療融資的醫療融資的6大方案大方案模式模式2：用者付費模式：用者付費模式方案方案3：醫療儲蓄：醫療儲蓄醫療融資的醫療融資的6大方案大方案模式
4、模式 3：個人保險的模式：個人保險的模式 鼓勵市民自願購買市場上的私人醫療保險。鼓勵市民自願購買市場上的私人醫療保險。不購保儉者須自資使用私營服務，或繼續由不購保儉者須自資使用私營服務，或繼續由公營資助醫療服務照顧。公營資助醫療服務照顧。醫療融資的醫療融資的6大方案大方案模式模式3：個人保儉的模式：個人保儉的模式 方案方案4：自願醫保：自願醫保醫療融資的醫療融資的6大方案大方案模式模式3：個人保險的模式：個人保險的模式 規定指定組別人士規定指定組別人士(例如某入息水平以上的在職人士例如某入息水平以上的在職人士)購購買由政府規管的個人醫療保儉。買由政府規管的個人醫療保儉。投保人不論年齡、病歷、收
5、入，均享有劃一保費，令高投保人不論年齡、病歷、收入，均享有劃一保費，令高風險人士風險人士(如慢性病患者及長者等如慢性病患者及長者等)及已有病患人士也可及已有病患人士也可獲得承保。獲得承保。醫療融資的醫療融資的6大方案大方案模式模式3：個人保儉的模式：個人保儉的模式 方案方案5：強制醫保：強制醫保醫療融資的醫療融資的6大方案大方案模式模式3：個人保險的模式：個人保險的模式 規定指定組別人士規定指定組別人士(例如某入息水平以上的在職人士例如某入息水平以上的在職人士)將部分收入存將部分收入存入個人健康保險儲蓄戶口，部份金額用作購買由政府規管的個人健入個人健康保險儲蓄戶口，部份金額用作購買由政府規管的
6、個人健康保險康保險(個人康保個人康保)。投保人不論年齡及病歷，均享有劃一保費，令高風險人士投保人不論年齡及病歷，均享有劃一保費，令高風險人士(如慢性病如慢性病患者及長者等患者及長者等)及已有病患人士也可獲得承保。及已有病患人士也可獲得承保。按個人收入水平作出儲備，但保費負擔均等，餘額可以滾存，以備按個人收入水平作出儲備，但保費負擔均等，餘額可以滾存，以備退休後支付個人康保保費及其他醫療開支。退休後支付個人康保保費及其他醫療開支。模式3：個人保儉的模式 方案6：強制醫保醫療融資的醫療融資的6大方案大方案你會如何選擇呢？你會如何選擇呢？醫療改革對未來社會的醫療服務有醫療改革對未來社會的醫療服務有莫
7、大影響作為一份子的你們會選莫大影響作為一份子的你們會選擇那一個方案呢？擇那一個方案呢？Why to have the Healthcare reformWe want to reform the healthcare system so that it can develop sustainable basis and keep up with medical technology advances to provide you with access to lifelong,comprehensive and holistic primary care,with emphasis on he
8、alth improving preventive care;provide you with more choice of quality,efficient and cost effective healthcare in both the public and private sectors;Why to have the Healthcare reform provide you with healthcare protection and peace of mind in case you are struck by illnesses that need costly treatm
9、ent;and continue the partnership between the Government and you in sharing the financial commitment for your better health.Six different options of the Healthcare reformSix different options of the Healthcare reformSix different options of the Healthcare reformMajor Mode 1：Tax-like ModelSocial healt
10、h insurance is that all members of the working population are required to contribute a certain percentage of their income to finance healthcare protection for the whole population.Access to the same standard subsidized healthcare services for all.Those who choose private services may have to make co
11、-payment for charges beyond the subsidized amount.Contribute according to income level;those who are not required to make contributions may also benefit.Six different options of the Healthcare reformMajor Mode 1：Tax-like ModelScheme 1：Social Health InsuranceSix different options of the Healthcare re
12、formMajor Mode 1：User-pays Model Increase the user fees for using public healthcare services.With the exception of low-income and under-privileged groups,services users are required to share a large portion of the costs for healthcare.Six different options of the Healthcare reformMajor Mode 2：User-p
13、ays Model Requires a specified group of the population(e.g.working population with income above a certain level)to deposit part of their income into a personal medical savings account to meet their own future(especially after retirement)healthcare expenses.Six different options of the Healthcare ref
14、ormMajor Mode 2：User-pays ModelScheme 3：Medical SavingsSix different options of the Healthcare reformMajor Mode 3：Individual Health Insurance Model Encourages members of the public to purchase private health insurance in the market voluntarily.The uninsured have to either pay their own expenses for
15、using private services or continue to be served by subsidized public healthcare services.Six different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelScheme 4：Voluntary Health InsuranceSix different options of the Healthcare reformMajor Mode 3：Individual Health Insuran
16、ce Model Requires a specified group in the population(e.g.working population with income above a certain level)to purchase individual health insurance regulated by the Government.Same premium for all participants regardless of their age,medical history and income,allowing the high-risk groups(e.g.ch
17、ronic patients and the elderly)and people with pre-existing medical conditions to get insured.Six different options of the Healthcare reformMajor Mode 3：Individual Health Insurance ModelScheme 5：Mandatory Health InsuranceSix different options of the Healthcare reformMajor Mode 3：Individual Health In
18、surance ModelRequires a specified group in the population(e.g.working population with income above a certain level)to deposit part of their income into a personal healthcare reserve account.Part of the deposit will be used for subscribing to a government regulated personal healthcare insurance,and m
19、eet other medical expenses after retirement.Same premium for all participants regardless of their age and medical history,thereby enabling the high-risk groups(e.g.chronic patients and the elderly)and people with pre-existing medical conditions to get insured.Six different options of the Healthcare
20、reformMajor Mode 3：Individual Health Insurance Model Deposit to reserve is based on individual income level,but the insurance premium is the same for all participants.The balance will be kept in the account to pay for personal healthcare insurance premium and other medical expenses after retirement.Major Mode 3：Individual Health Insurance ModelScheme 6：Personal Healthcare ReserveSix different options of the Healthcare reformThe Healthcare reform influence our future life a lot.What do you think about this reform?And which scheme is your favorite?What is your opinion?
