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Preventive programs offered by health insurance companies
RAJČANOVÁ, Beata
The need to provide preventive programs is highlighted by professionals across medical disciplines. Preventive programs help improve health, are an effective strategy to reduce healthcare costs, and specifically contribute to improving the quality of life of population. After all, prevention is the first thing we can do and it does not cost us anything but time. In addition, once a disease outbreaks, it may be already too late. All health insurance companies establish a prevention fund which helps to cover prevention programs for the insured. The VZP insurance company offers programs dealing with cardiovascular diseases, obesity, diabetes mellitus, vaccination, prevention of infectious diseases, medical and spa holidays, pregnancy screening tests, etc. My thesis aims to explore the use of prevention programs by the insured of the VZP insurance company. Based on the stated goal of my work, I have defined following assumed hypotheses. H1: Women use the prevention programs more than men do. H2: Insured persons who have obtained university education benefit from the preventive programs offered by the VZP health insurance company more than the insured persons without higher education. I chose qualitative research and a questionnaire survey as a suitable method for testing the set hypotheses. As a result of the research, the first hypothesis was confirmed, namely that women use preventive programs more than men. The second hypothesis was not confirmed. It has not been proven that preventive programs are used more by university educated insured persons. The thesis is focused on prevention and provides an overview of preventive programs, which are currently provided by the VZP insurance company. Therefore it is beneficial not only for VZP insured persons but also for all who are interested in prevention, and can also serve as a study material.
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THE RIGHTS AND OBLIGATIONS OF THE INSURED PEOPLE IN THE PUBLIC HEALTH INSURANCE SYSTEM
RAJČANOVÁ, Beata
I chose this theme for my thesis because I believe that everything concerning health care is widely discussed nowadays. Because of the interconnection between insurance and health care, everyone should have at least basic knowledge about this topic, most importantly about the rights and obligations. This thesis summarizes both rights and obligations of an insured person. Since this is a theoretic thesis, I decided to base it on various expert sources and unite the information about each right and obligation. In recent years the health care system is often being reformed and novelized, this thesis concerns the rights and obligations of an insured person as they are listed in Section 11 and 12 of Act No. 48/1997 Coll., on Public health insurace. Because of the fact that every insured person could also be a patient, I also followed up Act No. 372/2011 Coll., on Health care services and terms and conditions for the provision. In this thesis I explain crucial terms regarding health insurance, thus I concentrate on what insurance is and on its history. Partially I also focused on historical development of health insurance, which is connected to social politics and social security. These issues are included in some of my school subjects, so I think it is appropriate to mention the historical background. Other part of this bachelor thesis concerns legislation and principles, which the general health insurance is based on. These principles cover mandatory involvement in public health insurance, freedom of one's choice among health insurance companies and doctors, and the principle of solidarity. Then there is the main part of the thesis, which concerns individual rights and obligations. From rights of an insured person, the right to choose your health insurance company and associated issues , or the right to choose the provider of health services in the territory of the Czech Republic, are worth a mention. Widely discussed right nowadays is the right for time and place availability and also the right for inspection of provided health service. In my opinion it is important to mention a project called "Karta života" (The Card of life), which is run by ZPMV ČR and ČPZP. I would also like to mention an important right - the exercise of rights in the European Union. Nowadays a lot of people travel for work or recreation and they are surely interested in the ways the health insurance work in the European Union and individual states. There are also obligations of an insured person worth a mention - for example the obligation to notify the insurance company and the employer, and also the reimbursement of insurance, because every insured person is obliged to pay for health insurance. I believe that prevention (meaning to undergo preventive examinations when asked), is another important obligation. Since January 2014 all health insurance companies started to send invitations to clients as a part of a project called "Systém podpory prevence vybraných nádorových onemocnění v ČR screeningové programy" (System for support of prevention of selected neoplastic diseases in the Czech Republic - screening programmes). I think that health insurance companies are taking a step in the right direction with this preventive programme. Large amounts of money can be saved thanks to correct prevention. In my opinion we all should focus on prevention in the future - particularly on preventive examinations, vaccinations, etc.
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