Journal of Regional Section of Serbian Medical Association in Zajecar

Year 2007     Volumen 32     Number 4
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UDK 340.134:364.32; 340.134:614.2/.4 ISSN 0350-2899, 32(2007) br.4 p.183-188

Review of the most important health insurance systems

Zoran Joksimović(1), Milena Joksimović(2)



The term ‘health insurance’ includes an organised and comprehensive activity of the society aiming at health protection of its citizens. Besides health services, this term also includes management and financing in all segments of the society that are important for social security and protection of citizens. Health insurance is a special form of social organisation, according to which patients are insured against risks of falling ill and/or being injured, through institutions of health insurance that take the risks on themselves by compensating the damage to a police holder in case there is a claim for damages.
The origins of modern compulsory social insurance, as it is present nowadays, were set by the Bismarck’s system of social insurance. It is based on contributions that are paid to the ‘health fund’ by the employed and employers. After the Second World War, Beveridge’s model or the system of national health insurance was introduced in England; it rested on compulsory social insurance financed from the national budget though taxation. In the countries with socialistic social system, Semashco model of socialistic health insurance was developed as a counterpart to the Beveridge’s model, but with an ideological difference. This work presents the aforementioned systems of health insurance in their most important elements. The essence of the modern concept of health insurance in Europe is in consideration the solidarity principle. This principle presents a basic postulate in the affirmation of democracy and economical development of a society. There is also a review of private health insurance in the USA. Although this system is considered to be the most expensive, often enabling high standards of health services, it does not include the solidarity principle.
Key words: health protection, health insurance

: kompletan tekst na srpskom jeziku
Note: full text in Serbian
  Corresponding Address:
Zoran Joksimović
Cara Lazara 12, 19210 Bor
Tel. 030/439-606
e-mail: joksaz@ptt.yu 

Paper received: 23.03.2008
Paper accepted: 08.04.2008
Published online: 24.04.2008
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