New Healthy Insurance Organisations
New Healthy Insurance Organisations
A Different Approach
We are now living in a new century,
so why not approach 'health coverage' in a different way,
from a different frame of mind?
Currently many health or sickness insurance companies
give money to cover the cost of medical doctors,
hospital care, therapy and
in some cases medicine or medical supplies
only when they are needed.
Healthy Insurance to be Surely Healthy
Instead of approaching this from a non-healthy
or sick standpoint, why not approach it from the other side,
from a healthy standpoint.
The idea is that there would be
a new kind of insurance company
that insures that people stay healthy or
become healthy by being a member.
Presently there are many kinds of insurance companies
for a variety of "What if" or "just in case" situations.
Since all companies exist to make a profit
it is not surprising that they hope
that people will not make any or many claims against their policy.
But are people really happy with them?
Do they actually help to keep or make people healthy?
I am just presenting questions to think about.
Some people may answer yes and others no.
But I wonder if people would be happier
with another approach to health care.
What's in a Name?
I propose that instead of calling
this new idea an insurance company,
that it be called an Assurance Organisation.
The purpose of this organisation is to assure
that you achieve and maintain good health.
Instead of calling it a company it would be
an organisation which has members.
Clients would be called members, likening it to being
a member of a health club, thereby implying
that it is the co-responsibility of the members
to participate in assuring
their own health process continues.
I realize that some of the suggestions
presented here are being partly offered;
namely health lectures offered by health companies
and membership in the local YMCA.
What I am suggesting is to take this many steps further.
Alternative Health Care
How about having healthy insurance companies
that pay for alternative health care?
No, not just any kind of care but for health practioners
who have a certain degree of success
and for those who are educated in a specific field.
For example, it could cover naturalpathy, homeopathy,
chiropactic and some other therapies
that have shown success in curing people.
Employed by Assurance Organisations
Doctors would be paid a yearly wage
from an insurance company
who also paid for their medical education.
These doctors would get paid to treat
a certain number of people who they must keep healthy.
Their rate of pay would be determined on
how many people they keep healthy or make healthy.
All of the doctors would get
a similar demographic group to treat.
The same would apply to a naturalpath,
homeopath or any other health practioner
employed by this organisation.
There would also be a gynecologist
employed to answer these needs.
And there would be a midwife available
to anyone who wanted to opt for this service.
Sometimes instead of a doctor,
one may only need to consult with a nurse.
A nurse would also be 'on staff' to attend to
these questions or needs.
This would save precious time for the doctors
who would handle more complicated issues.
The nurse would also give lectures to the members.
There could also be different types of nurses
for different groups of people.
For example, a special nurse for people over 70,
or for babies or for women.
A nutritionist would also be 'on staff'
to instruct or advise people
to eat properly either individually or in a lecture.
People who make an extra effort to be
and stay healthy should be rewarded for doing so.
People who do not smoke would receive
a discount on their health insurance policy.
It is a known fact that insurance companies
have to pay more money for the care of smokers.
People who are not overweight (within 10 pounds)
would receive a discount on their health insurance.
Obese people cost the insurance companies extra money.
Those who manage to keep themselves
within an average weight range would be rewarded for this.
For every, say, 10 pounds they are overweight,
they would have to pay extra.
How about giving people who exercise
at least 3 times a week a discount for working
to keep themselves healthy.
They work hard to do this and take the time out
of a busy schedule to do this, so why not reward them.
"An ounce of prevention is worth a pound of cures."
Prevention through Movement
This new insurance organisation would set up
"Assurance Gyms" that are free for members
who would be issued a card that is stamped
in some way to show that they are using the facilities
either for swimming, walking, rowing or
some other health promoting activity.
A physical trainer who instructs members on
how to train for their body type would also be available
both for private instruction and for regular lectures.
Several kinds of fitness classes would also be offered for free.
This way even if people are overweight,
they can be given a discount for efforting
to slim down or improve their condition.
Healthy Assurance Organisations could host
free lectures about being Heart Healthy,
cancer-free, physically fit, nutrition, suppliments,
vitamins, the right food, exercise, homeopathy, naturalpathy, and more.
A client could have a card with these lectures on it
and get a stamp for every lecture s/he attended.
Then again, a discount would be offered for every lecture
attended or for a certain number attended each year especially
if it related to their particular health issue.
They should be rewarded for efforting to keep informed.
Mid-wives and Birthing Houses
Mothers-to-be would be incouraged to go
to a mid-wife and have their babies at home
like they do in the Netherlands who have a low infant mortality rate.
This would also bring down the cost of giving birth
in hospitals which, at the moment,
are not the most healthy places to birth a baby in.
Hospitals were set up to help people
who were sick or damaged. Another possibility would be
to have separate Birthing Houses where women would go
to give birth or to be instructed on
how to care for their new-born babies.
Since many health issues are either caused
or aggravated by stress, it would be a healthy idea to teach people
how to de-stress.
The Healthy Assurance organisations
would offer workshops and classes on
how to de-stress or relax.
They could be either just de-stress classes,
meditation classes, yoga classes
or any combination of these.
Other types of classes that could be
free may include: T'ai Chi, Chi Gong,
Breathing for Health or some other martial art courses.
Creating a Healthy Society
If there were a health assurance organisation
that actually encouraged people to BECOME healthy
and STAY healthy, they would save a lot of money
in doctors expenses, medicines and hospital stays.
And since there is a shortage of doctors in many places,
this could be a good solution to ease that problem.
It would also save time for the general population
since instead of going to a doctor or hospital or popping pills,
people would be learning how to take better care
of their bodies and de-stress at the same time.
It would give people a sense of responsibility
in regard to their own health instead of forgetting about it
and going to a doctor later when there is so much damage
that it takes many tests, doctor visits, pills, pills and more pills,
hospital stays or other intervention to heal
what has been damaged over the years.
Rate them for Success
For centuries people have gone to doctors
but what kind of statistics have we seen
on their actual rate of cure?
Wouldn't it be wise to have doctors rated on their rate
of cure or success? Perhaps it would be wiser to give
them a salary based on their rate of success?
How many doctors have cured people of cancer?
What are the real statistics on this?
Isn't this something we have a right to know?
It is only normal to want
the best care for ourselves and our families.
Health practioners of all persuasions
including dentists could be rated based
on their success rate? An honest health practioner
would surely love to be recognized as such.
Medicines could be rated on their successful rate
of cure vs. their degree of the supression of symptoms?
This could be listed on an assurance organisation website
so that members could evaluate medicines
they may be taking or instructed to take.
Hospitals could be rated on their rate of mortality,
their rate of curing people,
cleanliness, germs, bed-side manner and more?
When a second opinion is needed,
one could easily go to another health practioner
at the same facility or at another branch.
This way there would be no or little chance
for a person to be operated on if there was no real need.
The 'well-care' of the member would be of prime concern.
Assurance organisations would put
their rate of success on their websites.
This way the public would be able to see
how well they are doing. In this way,
the assurance organisations would make
every effort to have honest
and competent health practioners
who really make a difference in the lives of their members.
Taking Pride in Responsibility
The Assurance organisation takes pride
in creating the best possible team to assure
the health and well-care of its clients.
Members are also encouraged to be co-responsible
for their own health and well-care.
Such a co-operative effort could
only mean better results for all involved.
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Updated July 27, 2011
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CopyrightŠ2002-2011 by Susan and Robert