(Part III) Health Insurance in the World History

The concept of social insurance, the which is compulsory as stipulated by the government or rulers, began to Flourish in Europe in 1883 Pls Chancellor Otto von Bismarck requires all workers to join the Sick Fund (sicknes fund, zieken fond). Bismarck residents Argued Their Should get right to the futuren Difficult Pls Such as falling ill. The right is governed by a special mechanism derived from his own contribution, not the  contribution of people .

State must Ensure That these rights are met by requiring workers to pay dues for Himself. As a consequence, Pls people fail wages due to illness, the person is entitled to reimbursement wage loss. So the benefits provided is not medical expenses or treatment, but the replacement of lost wages from not being Able to work (tuna temporary work) due to an illness. At first, this obligation is only imposed upper-class workers (white collar), and then extended to workers, rough, student, students, and Farmers. As well as occurring in Various parts of the world, collection of funds has traditionally been voluntary by friendly societies - Such health funds or Cooperative Efforts in Indonesia, Could not develop optimally.

Germany, the tradition of developing its economy through the creation of business groups consisting of traders, small businessmen and craftsmen (guilds), implementing the compulsory health insurance system using the traditional approach. Therefore system of compulsory insurance (social insurance) was developed for each work group or in the environment of a business / company. 

There are three key policy of Germany in the late second century 19, ie each worker sick funds are obliged to follow the program, funds collected and managed by the group's financial resources come from workers Itself, not from the government (Stierle, 1998) 2. This is a social insurance model then developed and Became the basis of the implementation of insurance / social security (Social security) around the world with a variety of implementation.

History of Health Insurance in the World (Part II) (Part IV)