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Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: We have not got the full data yet for health status. This is just an acknowledgement towards health status but we need much more data in regard to chronic illness, etc. of the population to be able to have a much more accurate way to support the situation. This is only a temporary fix. I know it is not the most scientific but it is an acknowledgement towards the cost of the bed...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I accept what the Chairman and Deputy Naughten said in terms of the sentiment. What we have to do is create a situation where both the patient and the insurer are incentivised to keep out of hospitals. The risk equalisation scheme is attempting to do that. As I said at the outset, we do not have enough information yet. The Dutch use this system but they have nine different parameters to...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: There may be amendments to section 14 on Report Stage in regard to a query the Commission recently raised.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I certainly will.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I move amendment Nos. 13: In page 17, line 3, to delete "11F" and substitute "11G".Section 15 is an amendment to the principal Act and inserts a new section 11A to 11F. Section 11A provides for a risk equalisation scheme for the purposes of assisting in the achievement of the principal objective. Section 11B sets out to whom the scheme will and will not apply. Section 11C includes a...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: A number of issues must be considered. First, if UHI is in place in four years, and we intend that will be the case, it will be mandatory, as Deputy Kelleher is always keen to point out. Therefore, the need for incentives does not arise. Second, in the short timeframe that is available, it is difficult to see how we could do it, but we will examine it. Third, it would not be possible to...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I move amendment No. 11: In page 11, to delete lines 13 to 48 and in page 12, to delete lines 1 to 42 and substitute the following:“ “7AB.--(1) A registered undertaking shall not offer in the State a new type of health insurance contract (and regardless of whether the contract is already offered outside the State by the undertaking or any other person) unless it has submitted a...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I move amendment No. 12: In page 14, line 50, to delete "the Table" and substitute "Table 2".I have agreed the rates for risk equalisation credits in respect of hospital bed utilisation credit of €75 in respect of a hospital stay involving an overnight stay in a hospital bed in private hospital accommodation by an insured person where the insured person is such a person under a health...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: This relates to the amount of premium to be paid from the fund in respect of certain classes of insured persons based on age and sex of insured persons and their type of insurance cover on the date the contract is effected, and the amount applicable from the period from and including 1 January 2013 to and including 30 March 2013. The schedule has been given to the members. These are the...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: That is correct.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Yes, Table 2 in Schedule 4.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Yes.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Yes, Schedule 4, Table 2.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Was the note not circulated?

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: This is advance notice. These will be brought forward on Report Stage. It will be the same figures as the Deputy has in front of him. This is to give the Deputy advance notice of them.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I believe the Deputy is missing the fact that a person's reward is in their cover, which is why 47% of the population have such cover. However, the issue has been raised. If we were moving to universal health insurance, I would certainly be aggressively pursuing the issue with insurers. Is it fair that somebody in their 50s takes out insurance and gets the same rate as somebody else the...

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: I beg the Deputy's indulgence and ask him to wait until we reach section 13 when this matter will be dealt with comprehensively. The €75 per day rate provided for would not encourage any insurer to have a patient in a bed, but as I said, I will deal with this matter in a more comprehensive fashion when we reach section 13.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: No, there is nothing specific in the Bill in that regard. People can raise such concerns with the Health Insurance Authority. They should, in the first instance, take up the matter with their insurer which should have an interest in keeping tabs on what is going on and keeping down the cost to its clients. I do not believe there is a necessity for the creation of a new agency or organisation.

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Is the Chairman and the Deputy saying the insurance companies are not taking action?

Committee on Health and Children: Select Sub-Committee on Health: Health Insurance (Amendment) Bill 2012: Committee Stage (27 Nov 2012)

James Reilly: Perhaps we might explore the engagement of a subsection on the Health Insurance Authority in this regard.

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