FINANCIAL RISK PROTECTION
Public health services are nominally free or provided
at subsidised rates. The high level of out-of-pocket
expenditures for health indicates that the public health
service model is not working as intended. A survey in an
urban area of Bangladesh in 2013 reported that between
10 and 18 percent of households experienced an incidence
of catastrophic health costs within the three-month study
period. [25] Two public financial risk protection schemes
are meant to reverse the trend of increasing out-of-pocket
expenditures. In addition, there are a large number of
community-based or micro insurance schemes.
Shasthya Shurokkha Kormoshu (SSK) (subsidised social
health insurance) is the first and only social health insurance
scheme under the MOHFW. It is fully financed from general
government revenues. The long-term vision for SSK is of a
scheme combining risk pooling with a purchaser-provider
split under the stewardship of the MOHFW. In a first phase,
only the poor are covered, and the government pays their
insurance premiums. In the long run, other groups will be
included as paying members. A three-year pilot SSK scheme
opened in March 2016, targeting a population of about 95,000.
It is expected to increase access to hospitals and improve
the quality of services by generating income for the facilities
which they can use for improvements. [26]
The SSK benefits include inpatient care for fifty specified
health conditions in selected public facilities. They do not
include contraceptive and menstrual regulation services; HIV
testing and treatment; cervical cancer prevention, detection
and treatment; and services for survivors of gender-based
violence, child abuse or rape. The main challenges faced
during the pilot phase of SSK include coping with the increased
demand for services while developing reliable procedures to
manage an efficient third-party payment system for providers.
The Maternal Health Voucher / Demand Side Financing
scheme (DSF) started in 2007 as a pilot programme of the
MOHFW in 21 sub-districts. It was scaled up in 2010 to cover
53 sub-districts in 41 districts and a target population of about
26.5 million. At inception, the beneficiaries of the DSF scheme
were pregnant women during their first or second pregnancy
who were considered poor after a formal means test. In nine
sub-districts, ‘universal intervention’ was piloted, extending
the DSF benefits to all women. Vouchers provide a range of
benefits, including comprehensive coverage of antenatal,
delivery and postnatal care, transport subsidies and cash
incentives for mothers who deliver with the attendance of
a skilled provider. Public, NGO and private sector health
facilities that are accredited are reimbursed at a fixed rate for
the vouchers they collect. The total cost of the programme
per voucher distributed was estimated at US$ 41 in 2010.
[27] The programme is primarily financed by international
development partners. Technical assistance is provided by
WHO. Evaluations of the programme in 2011 and 2014 found
that the scheme increased the demand for reproductive
health care among poor women, and that it reduced the
average out-of-pocket costs for normal deliveries from US$
25 to US$ 21 and for caesarean sections from US$ 103 to US$
65. [28],[29]
Community-based and micro health insurance schemes are
managed by NGOs. The schemes are funded with insurance
premiums, cross-subsidisation from other NGO programmes,
and international and national donations. The schemes
target poor and disadvantaged groups as well as members
of the micro-credit groups operated by the same NGO.
Benefits differ among the micro-insurance schemes. Most
of them cover basic and preventive health services including
immunisation, family planning, out-patient consultations, and
normal deliveries. [30]
UNIVERSAL COVERAGE FOR SEXUAL AND REPRODUCTIVE HEALTH
B
angladesh is in the early stages of moving from a public health
service model under which health care is provided by government
and free of charge to users, to a social insurance model under which
health services in the public and private sector are purchased by a
health insurance provider who is funded with insurance premiums
and general government revenues.
Out-of-pocket payments for health care have continued to
increase and there has been a continued drift of patients to
the private sector. This gave rise to the emergence of multiple
community and micro-insurance schemes that provide a limited
amount of financial protection to some. The voucher scheme for
maternity care is a more ambitious initiative, documenting that the
equity and coverage of health services can be increased by offering
payments for services to providers, while protecting users from
expenditures. A large proportion of the increased coverage was
achieved by the private sector, indicating the limitations in service
capacity and quality of the public health sector. The high caesarean
section rates among private sector deliveries, however, suggest
that the scheme generates incentives for performing caesarean
sections without medical indication.
Beyond maternity care, the coverage of SRH services, for instance
for HPV immunisation, cervical cancer screening, or syphilis and
HIV testing in pregnancy, is limited. For services that are available
and provided free of charge in the public sector, for instance for
family planning and menstrual regulation, an increasing number
of women consult private sector providers and pay for the
service. This suggests that these services also face issues about
declining availability and acceptance, despite the substantial
public delivery infrastructure that was established.
The long-term goal pursued in Bangladesh is national coverage
of the entire population with the SSK social health insurance
scheme. SRH services, other than maternity care, are, however,
not included in the benefit package of SSK as it is currently being
piloted. While these services will for now still be offered through
special projects or by the public health service, the offer is limited
and the drift to the private sector will likely continue. This means
that user charges for SRH services will not disappear and may
even rise, as more and more of these services are pushed into
the private sector.
Because the systems for financial risk protection in Bangladesh
are fragmented, the equity of coverage is difficult to determine.
The SSK scheme protects the poor, but only as a pilot programme
with small coverage. The voucher scheme also has a pro-poor
focus, but it covers only about 20 percent of the population. Public
health services theoretically offer universal financial protection,
but they are bypassed by more and more people at all levels of
the socio-economic scale, with the result that they do not deliver
equitable protection from catastrophic health expenditures.
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