Hrvatski zavod za zdravstveno osiguranje | |
Agency overview | |
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Formed | 21 August 1993 |
Headquarters | 3 Margaretska Street, Zagreb, Croatia |
Employees | 2,285 (31 Dec 2019) [1] |
Annual budget | HRK 25.0 billion (c. €3.3 billion) (2019) [1] |
Minister responsible | |
Agency executive |
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Website | www |
The Croatian Health Insurance Fund (Croatian : Hrvatski zavod za zdravstveno osiguranje or HZZO) is a quasi-public body that administers the universal health care system in Croatia. Established in 1993, the HZZO is the country's national social health insurance fund and its primary source of health financing. In 2019, 4.18 million people received health insurance coverage through HZZO. [1]
The HZZO is overseen by a director and a board of directors, appointed by the Croatian government on the recommendation of the Minister of Health. [2] These directors represent the insured population, the Ministry of Health, the Ministry of Finance and independent general practitioners. [3] A central office located in the Croatian capital of Zagreb, sets policies that are implemented by branch offices in each of the country's 21 counties. [3]
All health care providers that receive public funds are required to negotiate annual contracts with the HZZO that set prices and payment plans. [4]
Compulsory health insurance contributions form 76% of the fund's income. About a third of the population - those in employment - are liable to pay full contributions. [5]
The Constitution of Croatia, adopted in December 1990, declared that health care is a human right. [6]
In 1993, the HZZO was created by the Croatian Parliament in order to consolidate the fragmented and decentralized health care system which had been inherited from the Socialist Federal Republic of Yugoslavia. [7] [8] The 1993 law recognized patient choice as a principle through a mandatory payroll tax of 15% [4] and allowing the use of private supplementary plans. [9] The Health Care Law of 1993 also guaranteed patients rights which includes access to information about their health, and the ability to refuse examination and treatment. [10]
In July 2001, the Ministry of Health under Ana Stavljenić-Rukavina issued a policy statement entitled "The Strategy and Plan for the Reform of the Health Care System and Health Insurance of the Republic of Croatia." Noting that such factors as the country's aging and the generous benefits established since 1993 threatened the fund's sustainability, [11] the paper proposed reducing the amount of basic services that are free at the point of use, which would result in the HZZO becoming less dependent on payroll contributions. [12] In order to increase revenue, the 2002 Health Insurance Law introduced higher copayments for hospital and specialist services. These services include diagnostic tests and prescription drugs. It also created a voluntary insurance policy that would complement the mandatory coverage each citizen received. [13] After 2002, citizens were no longer allowed to opt out of the public insurance system. [14]
Health care reform is for the most part governmental policy that affects health care delivery in a given place. Health care reform typically attempts to:
A health system, also known as health care system or healthcare system, is the organization of people, institutions, and resources that deliver health care services to meet the health needs of target populations.
Publicly funded healthcare is a form of health care financing designed to meet the cost of all or most healthcare needs from a publicly managed fund. Usually this is under some form of democratic accountability, the right of access to which are set down in rules applying to the whole population contributing to the fund or receiving benefits from it.
Payroll taxes are taxes imposed on employers or employees, and are usually calculated as a percentage of the salaries that employers pay their employees. By law, some payroll taxes are the responsibility of the employee and others fall on the employer, but almost all economists agree that the true economic incidence of a payroll tax is unaffected by this distinction, and falls largely or entirely on workers in the form of lower wages. Because payroll taxes fall exclusively on wages and not on returns to financial or physical investments, payroll taxes may contribute to underinvestment in human capital such as higher education.
Health insurance or medical insurance is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity.
Universal health care is a health care system in which all residents of a particular country or region are assured access to health care. It is generally organized around providing either all residents or only those who cannot afford on their own, with either health services or the means to acquire them, with the end goal of improving health outcomes.
Social welfare, assistance for the ill or otherwise disabled and the old, has long been provided in Japan by both the government and private companies. Beginning in the 1920s, the Japanese government enacted a series of welfare programs, based mainly on European models, to provide medical care and financial support. During the post-war period, a comprehensive system of social security was gradually established.
Healthcare in the Netherlands is differentiated into several main categories. Firstly in three different echelons; secondly in physical (somatic) versus mental healthcare; and thirdly in "cure" versus "care".
Germany has a universal multi-payer health care system paid for by a combination of statutory health insurance and private health insurance.
Healthcare in South Korea is universal, although a significant portion of healthcare is privately funded. South Korea's healthcare system is based on the National Health Insurance Service, a public health insurance program run by the Ministry of Health and Welfare to which South Koreans of sufficient income must pay contributions to in order to insure themselves and their dependants, and the Medical Aid Program, a social welfare program run by the central government and local governments to insure those unable to pay National Health Insurance contributions. In 2015, South Korea ranked first in the OECD for healthcare access. Satisfaction of healthcare has been consistently among the highest in the world – South Korea was rated as the second most efficient healthcare system by Bloomberg.
The French health care system is one of universal health care largely financed by government national health insurance. In its 2000 assessment of world health care systems, the World Health Organization found that France provided the "best overall health care" in the world. In 2017, France spent 11.3% of GDP on health care, or US$5,370 per capita, a figure higher than the average spent by rich countries, though similar to Germany (10.6%) and Canada (10%), but much less than in the US. Approximately 77% of health expenditures are covered by government funded agencies.
Healthcare in Georgia is provided by a universal health care system under which the state funds medical treatment in a mainly privatized system of medical facilities. In 2013, the enactment of a universal health care program triggered universal coverage of government-sponsored medical care of the population and improving access to health care services. Responsibility for purchasing publicly financed health services lies with the Social Service Agency (SSA).
The history of health care reform in the United States has spanned many decades with health care reform having been the subject of political debate since the early part of the 20th century. Recent reforms remain an active political issue. Alternative reform proposals were offered by both of the major candidates in the 2008, 2016, and 2020 presidential elections.
Croatia has a universal health care system, whose roots can be traced back to the Hungarian-Croatian Parliament Act of 1891, providing a form of mandatory insurance of all factory workers and craftsmen. The population is covered by a basic health insurance plan provided by statute and optional insurance and administered by the Croatian Health Insurance Fund. In 2012, annual compulsory healthcare related expenditures reached 21.0 billion kuna.
The nation of Austria has a two-tier health care system in which virtually all individuals receive publicly funded care, but they also have the option to purchase supplementary private health insurance. Care involving private insurance plans can include more flexible visiting hours and private rooms and doctors. Some individuals choose to completely pay for their care privately.
Healthcare in Luxembourg is based on three fundamental principles: compulsory health insurance, free choice of healthcare provider for patients and compulsory compliance of providers in the set fixed costs for the services rendered. Citizens are covered by a healthcare system that provides medical, maternity and illness benefits and, for the elderly, attendance benefits. The extent of the coverage varies depending on the occupation of the individual. Those employed or receiving social security have full insurance coverage, and the self-employed and tradesmen are provided with both medical benefits and attendance benefits. That is all funded by taxes on citizens' incomes, payrolls and wages. However, the government covers the funding for maternity benefits as well as any other sector that needs additional funding. About 75% of the population purchases a complementary healthcare plan. About 99% of the people are covered under the state healthcare system.
The Egyptian healthcare system is pluralistic, comprising a variety of healthcare providers from the public as well as the private sector. The government ensures basic universal health coverage, although private services are also available for those with the ability to pay. Due to social and economic pressures, Egypt's healthcare system is subject to many challenges. However, several recent efforts have been directed towards enhancing the system.
The Health Insurance Fund of the Republic of North Macedonia is a Macedonian institution which performs as the only state insurance organisation in North Macedonia.
Siniša Varga is a Croatian dentist and politician who served as Minister of Health in the centre-left Cabinet of Zoran Milanović from 2014 until 2016.
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