Insurance industry executives in Egypt have put forward proposals for collaboration between insurance companies and the government in managing and developing the comprehensive health insurance system, through which the state aims to extend medical protection to all segments of Egyptian society.
According to the Insurance Federation of Egypt (IFE), one proposal is for the government to allow insurance companies to contract directly with clients for the level of coverage and benefits chosen by the customers. This coverage would complement the government-run health insurance programme.
There are suggestions too for financial settlement tasks to be assigned to insurance companies which would collect premiums from the insured and which would pay the net dues owing to medical service providers. The insurance company covers the customer's healthcare costs in full, and the state reimburses the part that is covered by the government health insurance scheme.
This would relieve the Egyptian government of the burden of dealing with thousands of companies and health service providers as well as millions of beneficiaries, which means the government would deal only with a certain number of insurance companies.
Yet another proposal is for the government to hand out healthcare vouchers to citizens which would hand them to insurers. The government in turn pays insurers an amount equivalent to the total value of vouchers they receive. With the healthcare voucher, the insured chooses the insurance company and enjoys a package of health benefits that the selected insurance company provides under a health insurance policy.