03.05.2013 Views

Optimalisatie van de werkingsprocessen van het Bijzonder ... - KCE

Optimalisatie van de werkingsprocessen van het Bijzonder ... - KCE

Optimalisatie van de werkingsprocessen van het Bijzonder ... - KCE

SHOW MORE
SHOW LESS

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

<strong>KCE</strong> Reports 133 Special Solidarity Fund 187<br />

9.14 INTERNATIONAL COMPARISON: FRANCE<br />

9.14.1 Sources<br />

• Telephone interview with Mrs. Marie-Clau<strong>de</strong> Hittinger, Rare diseases<br />

Expert of the Haute Autorité <strong>de</strong> Santé<br />

• Telephone interview with Mrs. Isabelle Cheiney, Direction <strong>de</strong> la Sécurité<br />

Sociale of the French Ministry of Health<br />

• Telephone interview with Mrs. Anna-Marie Bouchard, Comité<br />

Economique <strong>de</strong>s produits <strong>de</strong> Santé (CEPS)<br />

• Circulaire Assurance Maladie – Caisse nationale regarding the conditions<br />

for reimbursements of costs, related to rare diseases. .<br />

• Website:<br />

o Comité Economique <strong>de</strong>s produits <strong>de</strong> Santé (CEPS) :<br />

9.14.2<br />

http://www.sante.gouv.fr/ceps<br />

o Assurance Maladie : http://www.ameli.fr/<br />

Short introduction to the French healthcare system<br />

9.14.2.1 Who is covered?<br />

In France, one should distinguish between:<br />

Basic, public health care insurance, providing a standard benefits package for all<br />

resi<strong>de</strong>nts (assurance maladie obligatoire). There is a universal, basic health care<br />

insurance providing a standard benefits package for all resi<strong>de</strong>nts, through large<br />

occupation-based funds. One can distinguish between different public insurance<br />

schemes:<br />

• The General National Health Insurance Scheme (le régime général <strong>de</strong> la<br />

Sécurité sociale) covers about 83% of French workers, as well as their<br />

families, and is the most important one.<br />

Other occupational specific schemes cover the remain<strong>de</strong>r:<br />

• La Mutualité sociale agricole (MSA) covers agricultural workers and their<br />

families - about 9% of the population.<br />

• La Caisse nationale d’assurance maladie <strong>de</strong>s professions indépendants<br />

(CANAM) covers artists, entrepreneurs and other self-employed – about<br />

6 of the population.<br />

Following the introduction of Couverture Maladie Universelle (CMU) in 2000, the state<br />

finances coverage for those resi<strong>de</strong>nts that are not eligible for coverage by the public<br />

health insurance scheme (0.4% of the population). The state also finances health services<br />

for illegal resi<strong>de</strong>nts (L’Ai<strong>de</strong> Médicale d’Etat; AME).<br />

Complementary private health insurance: in or<strong>de</strong>r to cover the difference<br />

between what the state pays and the cost of treatment (complément), most French<br />

resi<strong>de</strong>nts purchase a complementary health insurance policy to cover the difference.<br />

This is called a police complémentaire or mutuelle and is provi<strong>de</strong>d by about 80<br />

insurance companies, 20 welfare institutions (institutions <strong>de</strong> prévoyance, managed by<br />

both employers and syndicates) and 6500 mutual societies (mutualités). Often,<br />

complementary health insurance is occupation-based. Complementary private health<br />

insurance covers over 92% of the population. In 2005 out-of-pocket payments and<br />

private health insurance accounted for 7.4% and 12.8% of total health expenditure<br />

respectively. 45

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!