The national health insurance system was introduced in 1945, shortly after the end of World War II. It was a compromise between the Gaullist and Communist representatives in the French parliament. Conservative Gaullists were opposed to a state health system, while Communists supported a complete nationalization of health care according to the British Beveridge model. In insurance, the insurance policy is a contract (usually a standard contract) between the insurer and the policyholder that determines the claims that the insurer is legally required to pay. In exchange for an upfront payment called a premium, the insurer promises to pay the losses due to the dangers covered by the wording of the insurance. At the end of the 19th century, there began to be „accident insurance“ that worked in the same way as modern disability insurance. [73] [74] This payment model continued until the early 20th century in some jurisdictions (such as California), where all the laws governing health insurance actually related to disability insurance. [75] The private healthcare system in Australia operates on the basis of a community rating, with premiums not varying solely on the basis of medical history, current health status or (generally) their age (but see lifetime health coverage below). Wait times are balanced, especially for pre-existing conditions (generally referred to as PEA in industry, which means „pre-existing disease“). The funds have the right to prescribe a waiting period of up to 12 months for benefits for each disease whose signs and symptoms existed during the six months that ended on the day of the first insurance.
You also have the right to impose a 12-month waiting period for benefits for treatment related to an obstetric illness and a 2-month waiting period for all other benefits when a person withdraws private insurance for the first time. The Funds have the discretion to reduce or eliminate these waiting periods on a case-by-case basis. They are also free not to tax them initially, but this would attribute such a fund to the risk of „adverse selection“ and attract a disproportionate number of members from other funds or the pool of planned members who would otherwise have joined other funds. It would also attract people with existing health conditions who might not otherwise have taken out insurance at all because of the denial of benefits for 12 months due to the PEA rule. Benefits paid under these conditions would put pressure on the premiums of all members of the fund, forcing some to drop out of membership, leading to further premium increases, and a vicious cycle of higher premiums leaving members would follow. It is crucial to know the exclusions that are not covered by insurance systems: compulsory general insurance provides for treatment in the event of illness or accident and pregnancy. Health insurance covers the costs of medical treatment, medication and hospitalization of the insured. However, the insured pays part of the cost up to a maximum, which can vary depending on the plan chosen individually, the premiums are then adjusted accordingly. .