Taiwan’s National Health Insurance (NHI) system is a very important means of maintaining the health of its citizens. Department of Health (DOH) Minister Yaung Chih-liang (楊志良) is determined to ensure that the NHI system continues to exist and develops over time, but so far he has not been able to find sufficient financial resources to cope with rising costs.
In the years since the inception of the NHI, it has become increasingly obvious to everyone that the system has many drawbacks that result in medical resources being wasted. This waste is caused not just by patients, but also by doctors and hospitals. At present, people go for treatment wherever they want, so that often no hospital or clinic holds a complete medical record for a particular patient. At the same time, consultation fees paid to doctors are low, so many make a living by seeing a large quantity of patients — in some cases as many as 200 to 300 a day.
Clearly proper treatment cannot possibly be provided in this way and eventually doctors run the risk of losing their skills. They may also not consider what tests are really necessary or whether they will be harmful to patients. Often they give in to patients’ demands by over-prescribing drugs. Hospitals, for their part, keep expanding and purchasing new equipment to attract more patients.
The existing NHI system has already damaged Taiwan’s healthcare environment. One effect has been that students at medical schools are reluctant to choose courses in surgery, obstetrics and gynecology or other high-risk disciplines, preferring instead to go into relatively low-risk fields like dermatology and ophthalmology. In other words, the medical profession is no longer focused on helping the sick.
The current debate over what form the second-generation NHI will take presents an opportunity for change. The first thing that needs to be done is to define what the NHI really is. If it is an insurance system, then various insurance schemes should be made available so that people can make a choice that best suits their needs. They would then have the option of paying different insurance premiums in return for different levels of treatment and care.
On the other hand, if the NHI is a welfare system, hospitals and clinics should serve specific areas and be classified, and a referral system should be put in place so that complete medical records can be held for each patient and they can be given the best possible diagnoses and treatment.
Still more important, the number of patients each doctor can see should be limited to, say, 30 per day, so that doctors spend enough time with each patient. Doctors should also do regular refresher courses to improve their skills. They should be paid regular salaries, taking length of service into account. As to medical disputes, they are inevitable, so a comprehensive system should be put in place to give both patients and doctors a reasonable level of legal protection.
If it is decided that the NHI is a welfare system, then the government should pay the full cost of healthcare for poor people. Of course education is important, too. People should be taught that the correct attitude is to go to hospital for treatment only when they really need it.
At this critical time, the DOH needs to once again bring together experts and academics to clearly define the role of the healthcare system and on that basis make the necessary changes in medical and general education. Only then will the NHI be able to get out of its present difficulties and achieve sustainable development in the long-term.
Sung Ruey-jen is chair professor at the Institute of Life Sciences, National Central University and a former dean of National Cheng Kung University College of Medicine.
TRANSLATED BY JULIAN CLEGG
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