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New Healthy Insurance Organisations



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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

áa 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.

áFor 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.

áThis way even if people are overweight,

they can be given a discount for efforting

to slim down or improve their condition.


Health Lectures


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.

áA client could have a card with these lectures on it

áand 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.

áThis would also bring down the cost of giving birth

áin hospitals which, at the moment,

are not the most healthy places to birth a baby in.

áHospitals 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,

ámeditation 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,

áhospital 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

áso that members could evaluate medicines

they may be taking or instructed to take.


Hospitals could be rated on their rate of mortality,

átheir 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.

áThe '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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