Health Insurance Options And Mechanisms Health And Social Care Essay Free Essays

The purpose of this thesis is to depict wellness insurance options and mechanisms for execution in Zanzibar Islands. It is portion of the attempts of the Ministry of Health and Social Welfare through its Strategic Plan to transport out surveies to happen out different wellness funding options to finance its wellness attention services to the people. The Technical Working Group ( TWG ) responsible for wellness funding conducted several surveies to measure cost-sharing since 2005. We will write a custom essay sample on Health Insurance Options And Mechanisms Health And Social Care Essay or any similar topic only for you Order Now The consequences of these surveies showed major spreads in many countries including effectivity and efficiency in implementing cost sharing. One of the duties for TWG, of which I am the Chair, is to supply advice on the design and execution procedures of cost-sharing and other complementary funding mechanisms, and to supervise the impact. Health funding is a critical country for the efficient and effectual running of the wellness sector operations. In the context of restraint resources it is hard to take attention of all wellness attention demands of the people. About two decennaries now, arguments on the impact of out-of-pocket ( OOP ) part on the public wellness sector have non been clearly conclusive ( Mushi 2006 ) . States such as Uganda and Zambia decided to get rid of user fees while Zanzibar is endeavoring to better user fees at primary wellness installations. The Ability to pay for services is major a concerns which evokes argument in the community because their parts additions while services are still deteriorating. In this state of affairs it raises the inquiry on what is the best manner Zanzibar can finance the wellness services. However, in recent old ages, understandings on prepayment strategies such as part through revenue enhancement based and insurance where people contribute on a regular basis has pro ved to supply greater fiscal protection to the people compared to out of pocket part ( Preker A ; Carrin,2004 ; WHO, 2000 ) . Since the independency in 1963 from British followed by the 1964 revolution, Zanzibar citizens enjoyed the proviso of free wellness services. However, due to universe ‘s political and economical alterations the wellness sector has experienced figure of jobs which continue to deteriorate the quality of wellness services. Therefore in 1999, wellness policy was reviewed as portion of a major wellness sector reform taking to better the wellness and well-being of Zanzibar ‘s people, with peculiar tenseness on adult females and kids ( MOHSW, 1999 ) . The principle of this is to increase the efficiency and to maximise the budget use under the status of forced resources. Ten old ages have been passed since the execution of wellness sector reform strategic program one ( 2002/2006 ) followed by strategic program two ( 2006/2011 ) . Some accomplishments were recorded in major reform countries except in financing public wellness attention which remains important. While the authoritie s acknowledges the proviso of free wellness attention at the point of bringing for those who could non be able to pay, means to protect vulnerable groups is still blurred. The mechanisms to cover these groups or wellness hazards are extremely required through societal wellness insurance. However, despite the fact that everyone who is in the formal labour market must be enrolled to the Zanzibar Social Security Fund ( ZSSF ) and receive benefits including medical and pregnancy, but the context of its operational capacity towards wellness benefits remains challenge. It has been recognized that huge bulk of labour force in Zanzibar is under the ZSSF, the ideas of ZSSF to run societal wellness insurance needs more amplification nevertheless if the purpose of societal security remain unaddressed, successful execution of societal wellness insurance based on societal security attack can be hard. It is with this background, this survey aimed to look upon the experience of how other states deal with this state of affairs. The survey seeks to place challenges and do recommendations for policy shapers and decision makers in Zanzibar to recognize the part of societal security in the field of wellness attention. The thesis consists of chapter one which gives an debut and overview of the survey and trades with economic system of Zanzibar, stressing the wellness and other societal economic indexs. Chapter two gives the analysis of the job, survey inquiries and its aims. Chapter three efforts an empirical analysis of the literature studies. This returns with treatment in chapter four. The concluding chapter five attempts to offer recommendations and decisions. Figure 1.1. The survey country Beginning: Background Information on Zanzibar General information: Zanzibar is an archipelago of two sister islands Unguja and Pemba located in the East African seashore. Unguja has a entire country of 1,658 square kilometer while Pemba has 985 square kilometer. Entire population is 1.3 million ( 2009 ) of which 66 % aged 15-60 old ages old. The population growing rate estimated to 3.1 % ( 2002, Census ) .By country 30 % of populations live in urban country ( 2004 ) . The economic and societal indexs have been compared with Zanzibar ‘s immediate neighbours as low and high income states. The comparing is to exemplify the development position of the state in order to do analysis for the execution of wellness insurance more meaningful. The economic and societal indexs are indicated in table 1.1. Table 1.1 Economic and societal indexs of Zanzibar, her neighbors and other economic systems Index Tanzania Zanzibar Tanzania Mainland Kenya Uganda Low Income Countries High Income States GNP per capita $ 534 440 770 420 524 39,345 % Annual Growth of GDP per Capita 5.4 7.5 3.6 9.5 6.4 0.8 Adult literacy rate ( % ) of people 15 and above 72 85.1 74 64 99 Pop. below the national poorness line 49 37.7 No information No information Beginning: World Bank 2008 Zanzibar is low-income state with a Gross National Product ( GNP ) per capita of 534 USD ( MOFEA, 2008 ) . Zanzibar depends on agribusiness as the chief stay of its economic system, the chief export merchandise is cloves. About 49 % of the population lives below the national poorness line. The proportion of economically active population is 54 % ; beginnings of employment are informal sector ( 61 % ) , private sector ( 39 % ) and public sector ( 7 % ) ( Study Report: The Role of SME in Economic Development BoT – Zanzibar May, 2007 ) . Current unemployment rate estimations stand between 7 – 10 % ( HBS, 2004/05 ) , though unemployment among the immature population of 30 old ages and below is higher. Health sector Health Status Life anticipation at birth has increased from 53 old ages in 2003 to 60 old ages in 2008[ 1 ]. Infant mortality rate is 54 per 1000 unrecorded births in 2007/08. Under-five mortality rate bases at 79 per 1000 unrecorded births 2007/08 ( NBS, THMIS 2008 ) . Maternal mortality ratio based on infirmary informations as proxy index is estimated to be 422/100,000 unrecorded births in 2008 which has increased compared to the ratio of 377/100,000 unrecorded births ( UNICEF, 1998 ) . Epidemiologic passage in morbidity and mortality has been recognized over the past three old ages, this is due to the displacement of disease forms from catching to non-communicable. Disease like malaria has diminution from 34.3 % in 2006 to 10.8 % 2008 of all hospitalized instances which was the taking cause of morbidity and mortality ( MOHSW, 2008 ) . The most common chronic diseases which are the major cause of deceases in Zanzibar Hospitals are pneumonia, cardiovascular diseases, blood poisoning, Diabetes mel litus and anaemia. HIV prevalence rate in Zanzibar is presently at 0.6 per centum in sexually active grownups ( NBS, THMIS 2008 ) . Public Health Care System The public wellness system in Zanzibar is characterized by three degrees of wellness attention bringing. There are Primary Health Care Units and Centers ( PHCUs and PHCCs ) , District Hospitals as secondary degree and Tertiary degree which includes Mnazi Mmoja Referral Hospital and specialized Hospitals. Presently there are 133 PHCUs, 34 among them categorized as PHCU+ that provide extra services such as bringing, alveolar consonant, pharmaceutics and research lab services. PHCCs provide all services as PHCU+ with extra of inmates services of 30 beds. Public private mix is turning in Zanzibar ; several partnerships are traveling on in footings of service bringing and preparation. At the District degree, District Health Management Teams ( DHMTs ) are responsible for the proviso of wellness attention services. Decentralization policy is non wholly applied, nevertheless signifier of deconcentration in the wellness sector is practiced in term of be aftering but the laterality of the top- bottom attack in the determinations still exist signifier of de-concentration in the wellness sector is practiced in term of be aftering but the laterality of the top-bottom attack in the determination still exist. Private Sector These comprises of private Hospitals and Clinics which provide services for profit footing. As one among the major portion of the wellness sector reform in the betterment of public private coaction to promote private activity, Zanzibar has experienced the increased figure of private wellness installations. The private sector is now seen as an of import and important spouse in supplying wellness services so as to complement authorities proviso and increase consumer pick ( Mtei et al. , 2007 ) . Table 1.2 Health installations in Zanzibar PHCUs/Dispensary Health Centers Hospitals Entire Public Nongovernmental organization Private 130 5 55 4 2 0 6 0 3 140 7 58 Entire 190 6 9 205 Beginning: Zanzibar Service Availability Mapping 2009 Health Care Financing Outgo on wellness Since independence authorities provides basic wellness attention services for free by utilizing revenue enhancement based funding. However the economic crisis in the early 1980s affected the proviso of wellness services. Other beginnings of funding is through external support via development spouses which takes big portion of outgo followed by out of pocket payment in the signifier of cost-sharing or user fees. Information on OOP for public and private outgo on wellness is non good captured due to inexistence of National Health Accounts ( NHA ) which records beginnings and utilizations of wellness financess. The user fees in public installations remain a challenge which brings really strong argument in the House of Representatives during the budget blessing of the Ministry of Health and Social Welfare for certain type of services particularly maternal services including cesarean fees. Table 2.1 Zanzibar Indicators of wellness outgo ratios 2008 Indexs 2008 Entire outgo on wellness as % of GDP General authorities outgo on wellness as % entire outgo on wellness General authorities outgo on wellness as % of entire authorities outgo External resources for wellness as % of entire outgo on wellness Out of pocket outgo ( user fees ) as % of entire wellness outgo Beginning: Zanzibar wellness sector public outgo reappraisal 2008 Table 2.2 Health as % Government Spending in Sub-Saharan Africa Entire local budgets incl. involvement payments excl. involvement payments 2003 2006 portion twelvemonth Zanzibar 6.5 % 5.6 % 7.6 % 2006 Kenya 6.0 % 5.1 % A n/a A n/a Nyasaland 10.8 % n/a A n/a A n/a South west africa 13.8 % n/a 15.0 % 2003 South Africa 11.1 % 11.0 % 12.8 % 2006 Uganda 11.8 % 11.7 % 12.5 % 2006 Northern rhodesia 17.7 % n/a A n/a A n/a Rhodesia 9.2 % n/a A n/a A n/a Beginning: Govender, McIntyre A ; Loewensin 2008, Zanzibar information is from PER 2008 Zanzibar is passing less on wellness as a portion of Government budget compared with other states. Based on this information it should be noted that all other states included here are confronting the high load of HIV/AIDS which increases the wellness disbursement. However, most of this disbursement is financed by the development spouses. Chapter 2 Problem statement, significance of the survey and Methodology The job: feasibleness of presenting wellness insurance in Zanzibar Most of the development states are experienced the underfunding of its public wellness sector. A job of the wellness system in Zanzibar that influences quality wellness services is that there is no national wellness insurance strategy. This job starves the wellness sector financially caused by deficits in authorities outgo towards wellness sector each twelvemonth ( figure 1.2 ) . This has led to increasing deficit of indispensable drugs and medical supplies in wellness installations and deteriorating of quality wellness services and substructure. As a consequence from this state of affairs, the Zanzibar authorities in 1999 after the alteration of the Health Policy emphasized the demand for the people to lend on wellness attention services in the signifier of cost-sharing. However, the increasing of high cost of wellness attention services leave the bulk of hapless and less educated vulnerable. Additionally, the fiscal barrier was seen as among the major determiners in the use of wellness services. Out-of-pocket payments besides exist in Zanzibar where by patients pay straight to wellness attention suppliers chiefly private installations or which do non covered by any signifier of wellness insurance User fees is a signifier of out-of-pocket whereby patients are required to pay to wellness services ; nevertheless the patient does non pay existent cost, but a certain sum. This was done in order to acquire extra beginning of income to supplement authorities fiscal budgets in the wellness sector e.g. purchase of drugs and infirmaries supplies. However, this has a small impact on bridging the fiscal spread as some of the countries which exercise user fees are non on a regular basis audited. In 1998, the constitution of Zanzibar Social Security Fund ( ZSSF ) under the Zanzibar Security Act No. 2 of 1998 has opened the window for authorities employees to have medical benefit including pregnancy allowance. Harmonizing to other states experience the development of National Health Insurance ( NHI ) get downing from this point whereby employees from formal sector get enrolled. The advantage for ZSSF apart from registration of authorities employees, parastatal and private companies were besides included. Apart from the bing of ZSSF unluckily to day of the month no payment made for medical benefit, bing payments chiefly are for old age, pensions, endurance and invalidness benefits. Recently in 2009, the caputs of ZSSF have shown involvement to get down wellness insurance strategy for its members which was welcomed by the Ministry of Health as a starting point. For this ground the demand to develop base line for the execution of societal wellness insurance is extremely needed to wards cosmopolitan coverage and hazard protection for the hapless. Challenges will still stay given the fact that informal sector is still big in Zanzibar and poverty degree is besides dead. Challenges in wellness attention funding: With increasing disease load, low economic growing, immense informal sector, high unemployment, high degrees of poorness, unjust distribution of income, and weak public sector direction, states in the African part are confronting the challenge of guaranting entree to indispensable and quality wellness attention services that are financed equitably. The major challenges in the wellness attention system that a big figure of states in the Sub Saharan Region will hold to get the better of are: Failure of set uping cost recovery safety cyberspace mechanisms in protecting the hapless ; Lack of fiscal resources to bring forth good wellness for all ; Lack of human resources is a constriction in bettering wellness system public presentation ; Inefficient usage of available wellness resources supplying just wellness attention ; Limited proficient capacity to pull off the complex wellness funding issues besides high turnover of wellness staff, directors, policymakers and contrivers chiefly due to hapless fiscal inducements ; Limited institutional capacity to ease the development and execution of feasible and just funding schemes ; and Weak monitoring and analytical capacity ; taking to grounds non being used for explicating wellness policy and taking determinations. Significance of the survey Study inquiries By looking the experience from other low income states could present the reply for the undermentioned survey inquiries? a ) Giving a model with which aims presenting wellness insurance has been seen as a good thought in other states? B ) How Zanzibar could utilize ZSSF in order to construct a reasonable SHI? ( is it possible to cover everybody? ) degree Celsiuss ) How a reform including cardinal participants should be attempted? General Objective To depict the societal wellness insurance based on societal security attack in order to do informed recommendations to the policy shapers. Specific Aims: Describe wellness funding in low income states Describe the wellness attention financing strategies in Zanzibar and the purpose of presenting wellness insurance Describe wellness insurance strategies from other states and how do they run into with standards for public presentation Identify lessons learnt and supply recommendations for Zanzibar in set uping wellness insurance which is sustainable and just. Based on the aims, the survey will look profoundly in the undermentioned countries: Determine the purposes of in presenting insurance strategies, How they planned to utilize existing establishments or else and What the jobs have been in the reform. Effective of Risk pooling among the strategies Types of benefits /services members received Does the coverage just ( high or low ) ? Recommend on the practical stairss needed to implement the assorted strategies in Zanzibar. Beneficiaries: The Ministry of Health and Social Welfare Zanzibar ( MOSHW ) , Zanzibar Social Security Find ( ZSSF ) and the Ministry of Finance and Economic Affairs Zanzibar ( MOFEA ) . Methodology Study Restrictions Search Scheme: Cardinal Wordss: Chapter 3 Literature study on wellness Insurance How to cite Health Insurance Options And Mechanisms Health And Social Care Essay, Essay examples

Health Insurance Options And Mechanisms Health And Social Care Essay Free Essays

The purpose of this thesis is to depict wellness insurance options and mechanisms for execution in Zanzibar Islands. It is portion of the attempts of the Ministry of Health and Social Welfare through its Strategic Plan to transport out surveies to happen out different wellness funding options to finance its wellness attention services to the people. The Technical Working Group ( TWG ) responsible for wellness funding conducted several surveies to measure cost-sharing since 2005. We will write a custom essay sample on Health Insurance Options And Mechanisms Health And Social Care Essay or any similar topic only for you Order Now The consequences of these surveies showed major spreads in many countries including effectivity and efficiency in implementing cost sharing. One of the duties for TWG, of which I am the Chair, is to supply advice on the design and execution procedures of cost-sharing and other complementary funding mechanisms, and to supervise the impact. Health funding is a critical country for the efficient and effectual running of the wellness sector operations. In the context of restraint resources it is hard to take attention of all wellness attention demands of the people. About two decennaries now, arguments on the impact of out-of-pocket ( OOP ) part on the public wellness sector have non been clearly conclusive ( Mushi 2006 ) . States such as Uganda and Zambia decided to get rid of user fees while Zanzibar is endeavoring to better user fees at primary wellness installations. The Ability to pay for services is major a concerns which evokes argument in the community because their parts additions while services are still deteriorating. In this state of affairs it raises the inquiry on what is the best manner Zanzibar can finance the wellness services. However, in recent old ages, understandings on prepayment strategies such as part through revenue enhancement based and insurance where people contribute on a regular basis has pro ved to supply greater fiscal protection to the people compared to out of pocket part ( Preker A ; Carrin,2004 ; WHO, 2000 ) . Since the independency in 1963 from British followed by the 1964 revolution, Zanzibar citizens enjoyed the proviso of free wellness services. However, due to universe ‘s political and economical alterations the wellness sector has experienced figure of jobs which continue to deteriorate the quality of wellness services. Therefore in 1999, wellness policy was reviewed as portion of a major wellness sector reform taking to better the wellness and well-being of Zanzibar ‘s people, with peculiar tenseness on adult females and kids ( MOHSW, 1999 ) . The principle of this is to increase the efficiency and to maximise the budget use under the status of forced resources. Ten old ages have been passed since the execution of wellness sector reform strategic program one ( 2002/2006 ) followed by strategic program two ( 2006/2011 ) . Some accomplishments were recorded in major reform countries except in financing public wellness attention which remains important. While the authoritie s acknowledges the proviso of free wellness attention at the point of bringing for those who could non be able to pay, means to protect vulnerable groups is still blurred. The mechanisms to cover these groups or wellness hazards are extremely required through societal wellness insurance. However, despite the fact that everyone who is in the formal labour market must be enrolled to the Zanzibar Social Security Fund ( ZSSF ) and receive benefits including medical and pregnancy, but the context of its operational capacity towards wellness benefits remains challenge. It has been recognized that huge bulk of labour force in Zanzibar is under the ZSSF, the ideas of ZSSF to run societal wellness insurance needs more amplification nevertheless if the purpose of societal security remain unaddressed, successful execution of societal wellness insurance based on societal security attack can be hard. It is with this background, this survey aimed to look upon the experience of how other states deal with this state of affairs. The survey seeks to place challenges and do recommendations for policy shapers and decision makers in Zanzibar to recognize the part of societal security in the field of wellness attention. The thesis consists of chapter one which gives an debut and overview of the survey and trades with economic system of Zanzibar, stressing the wellness and other societal economic indexs. Chapter two gives the analysis of the job, survey inquiries and its aims. Chapter three efforts an empirical analysis of the literature studies. This returns with treatment in chapter four. The concluding chapter five attempts to offer recommendations and decisions. Figure 1.1. The survey country Beginning: Background Information on Zanzibar General information: Zanzibar is an archipelago of two sister islands Unguja and Pemba located in the East African seashore. Unguja has a entire country of 1,658 square kilometer while Pemba has 985 square kilometer. Entire population is 1.3 million ( 2009 ) of which 66 % aged 15-60 old ages old. The population growing rate estimated to 3.1 % ( 2002, Census ) .By country 30 % of populations live in urban country ( 2004 ) . The economic and societal indexs have been compared with Zanzibar ‘s immediate neighbours as low and high income states. The comparing is to exemplify the development position of the state in order to do analysis for the execution of wellness insurance more meaningful. The economic and societal indexs are indicated in table 1.1. Table 1.1 Economic and societal indexs of Zanzibar, her neighbors and other economic systems Index Tanzania Zanzibar Tanzania Mainland Kenya Uganda Low Income Countries High Income States GNP per capita $ 534 440 770 420 524 39,345 % Annual Growth of GDP per Capita 5.4 7.5 3.6 9.5 6.4 0.8 Adult literacy rate ( % ) of people 15 and above 72 85.1 74 64 99 Pop. below the national poorness line 49 37.7 No information No information Beginning: World Bank 2008 Zanzibar is low-income state with a Gross National Product ( GNP ) per capita of 534 USD ( MOFEA, 2008 ) . Zanzibar depends on agribusiness as the chief stay of its economic system, the chief export merchandise is cloves. About 49 % of the population lives below the national poorness line. The proportion of economically active population is 54 % ; beginnings of employment are informal sector ( 61 % ) , private sector ( 39 % ) and public sector ( 7 % ) ( Study Report: The Role of SME in Economic Development BoT – Zanzibar May, 2007 ) . Current unemployment rate estimations stand between 7 – 10 % ( HBS, 2004/05 ) , though unemployment among the immature population of 30 old ages and below is higher. Health sector Health Status Life anticipation at birth has increased from 53 old ages in 2003 to 60 old ages in 2008[ 1 ]. Infant mortality rate is 54 per 1000 unrecorded births in 2007/08. Under-five mortality rate bases at 79 per 1000 unrecorded births 2007/08 ( NBS, THMIS 2008 ) . Maternal mortality ratio based on infirmary informations as proxy index is estimated to be 422/100,000 unrecorded births in 2008 which has increased compared to the ratio of 377/100,000 unrecorded births ( UNICEF, 1998 ) . Epidemiologic passage in morbidity and mortality has been recognized over the past three old ages, this is due to the displacement of disease forms from catching to non-communicable. Disease like malaria has diminution from 34.3 % in 2006 to 10.8 % 2008 of all hospitalized instances which was the taking cause of morbidity and mortality ( MOHSW, 2008 ) . The most common chronic diseases which are the major cause of deceases in Zanzibar Hospitals are pneumonia, cardiovascular diseases, blood poisoning, Diabetes mel litus and anaemia. HIV prevalence rate in Zanzibar is presently at 0.6 per centum in sexually active grownups ( NBS, THMIS 2008 ) . Public Health Care System The public wellness system in Zanzibar is characterized by three degrees of wellness attention bringing. There are Primary Health Care Units and Centers ( PHCUs and PHCCs ) , District Hospitals as secondary degree and Tertiary degree which includes Mnazi Mmoja Referral Hospital and specialized Hospitals. Presently there are 133 PHCUs, 34 among them categorized as PHCU+ that provide extra services such as bringing, alveolar consonant, pharmaceutics and research lab services. PHCCs provide all services as PHCU+ with extra of inmates services of 30 beds. Public private mix is turning in Zanzibar ; several partnerships are traveling on in footings of service bringing and preparation. At the District degree, District Health Management Teams ( DHMTs ) are responsible for the proviso of wellness attention services. Decentralization policy is non wholly applied, nevertheless signifier of deconcentration in the wellness sector is practiced in term of be aftering but the laterality of the top- bottom attack in the determinations still exist signifier of de-concentration in the wellness sector is practiced in term of be aftering but the laterality of the top-bottom attack in the determination still exist. Private Sector These comprises of private Hospitals and Clinics which provide services for profit footing. As one among the major portion of the wellness sector reform in the betterment of public private coaction to promote private activity, Zanzibar has experienced the increased figure of private wellness installations. The private sector is now seen as an of import and important spouse in supplying wellness services so as to complement authorities proviso and increase consumer pick ( Mtei et al. , 2007 ) . Table 1.2 Health installations in Zanzibar PHCUs/Dispensary Health Centers Hospitals Entire Public Nongovernmental organization Private 130 5 55 4 2 0 6 0 3 140 7 58 Entire 190 6 9 205 Beginning: Zanzibar Service Availability Mapping 2009 Health Care Financing Outgo on wellness Since independence authorities provides basic wellness attention services for free by utilizing revenue enhancement based funding. However the economic crisis in the early 1980s affected the proviso of wellness services. Other beginnings of funding is through external support via development spouses which takes big portion of outgo followed by out of pocket payment in the signifier of cost-sharing or user fees. Information on OOP for public and private outgo on wellness is non good captured due to inexistence of National Health Accounts ( NHA ) which records beginnings and utilizations of wellness financess. The user fees in public installations remain a challenge which brings really strong argument in the House of Representatives during the budget blessing of the Ministry of Health and Social Welfare for certain type of services particularly maternal services including cesarean fees. Table 2.1 Zanzibar Indicators of wellness outgo ratios 2008 Indexs 2008 Entire outgo on wellness as % of GDP General authorities outgo on wellness as % entire outgo on wellness General authorities outgo on wellness as % of entire authorities outgo External resources for wellness as % of entire outgo on wellness Out of pocket outgo ( user fees ) as % of entire wellness outgo Beginning: Zanzibar wellness sector public outgo reappraisal 2008 Table 2.2 Health as % Government Spending in Sub-Saharan Africa Entire local budgets incl. involvement payments excl. involvement payments 2003 2006 portion twelvemonth Zanzibar 6.5 % 5.6 % 7.6 % 2006 Kenya 6.0 % 5.1 % A n/a A n/a Nyasaland 10.8 % n/a A n/a A n/a South west africa 13.8 % n/a 15.0 % 2003 South Africa 11.1 % 11.0 % 12.8 % 2006 Uganda 11.8 % 11.7 % 12.5 % 2006 Northern rhodesia 17.7 % n/a A n/a A n/a Rhodesia 9.2 % n/a A n/a A n/a Beginning: Govender, McIntyre A ; Loewensin 2008, Zanzibar information is from PER 2008 Zanzibar is passing less on wellness as a portion of Government budget compared with other states. Based on this information it should be noted that all other states included here are confronting the high load of HIV/AIDS which increases the wellness disbursement. However, most of this disbursement is financed by the development spouses. Chapter 2 Problem statement, significance of the survey and Methodology The job: feasibleness of presenting wellness insurance in Zanzibar Most of the development states are experienced the underfunding of its public wellness sector. A job of the wellness system in Zanzibar that influences quality wellness services is that there is no national wellness insurance strategy. This job starves the wellness sector financially caused by deficits in authorities outgo towards wellness sector each twelvemonth ( figure 1.2 ) . This has led to increasing deficit of indispensable drugs and medical supplies in wellness installations and deteriorating of quality wellness services and substructure. As a consequence from this state of affairs, the Zanzibar authorities in 1999 after the alteration of the Health Policy emphasized the demand for the people to lend on wellness attention services in the signifier of cost-sharing. However, the increasing of high cost of wellness attention services leave the bulk of hapless and less educated vulnerable. Additionally, the fiscal barrier was seen as among the major determiners in the use of wellness services. Out-of-pocket payments besides exist in Zanzibar where by patients pay straight to wellness attention suppliers chiefly private installations or which do non covered by any signifier of wellness insurance User fees is a signifier of out-of-pocket whereby patients are required to pay to wellness services ; nevertheless the patient does non pay existent cost, but a certain sum. This was done in order to acquire extra beginning of income to supplement authorities fiscal budgets in the wellness sector e.g. purchase of drugs and infirmaries supplies. However, this has a small impact on bridging the fiscal spread as some of the countries which exercise user fees are non on a regular basis audited. In 1998, the constitution of Zanzibar Social Security Fund ( ZSSF ) under the Zanzibar Security Act No. 2 of 1998 has opened the window for authorities employees to have medical benefit including pregnancy allowance. Harmonizing to other states experience the development of National Health Insurance ( NHI ) get downing from this point whereby employees from formal sector get enrolled. The advantage for ZSSF apart from registration of authorities employees, parastatal and private companies were besides included. Apart from the bing of ZSSF unluckily to day of the month no payment made for medical benefit, bing payments chiefly are for old age, pensions, endurance and invalidness benefits. Recently in 2009, the caputs of ZSSF have shown involvement to get down wellness insurance strategy for its members which was welcomed by the Ministry of Health as a starting point. For this ground the demand to develop base line for the execution of societal wellness insurance is extremely needed to wards cosmopolitan coverage and hazard protection for the hapless. Challenges will still stay given the fact that informal sector is still big in Zanzibar and poverty degree is besides dead. Challenges in wellness attention funding: With increasing disease load, low economic growing, immense informal sector, high unemployment, high degrees of poorness, unjust distribution of income, and weak public sector direction, states in the African part are confronting the challenge of guaranting entree to indispensable and quality wellness attention services that are financed equitably. The major challenges in the wellness attention system that a big figure of states in the Sub Saharan Region will hold to get the better of are: Failure of set uping cost recovery safety cyberspace mechanisms in protecting the hapless ; Lack of fiscal resources to bring forth good wellness for all ; Lack of human resources is a constriction in bettering wellness system public presentation ; Inefficient usage of available wellness resources supplying just wellness attention ; Limited proficient capacity to pull off the complex wellness funding issues besides high turnover of wellness staff, directors, policymakers and contrivers chiefly due to hapless fiscal inducements ; Limited institutional capacity to ease the development and execution of feasible and just funding schemes ; and Weak monitoring and analytical capacity ; taking to grounds non being used for explicating wellness policy and taking determinations. Significance of the survey Study inquiries By looking the experience from other low income states could present the reply for the undermentioned survey inquiries? a ) Giving a model with which aims presenting wellness insurance has been seen as a good thought in other states? B ) How Zanzibar could utilize ZSSF in order to construct a reasonable SHI? ( is it possible to cover everybody? ) degree Celsiuss ) How a reform including cardinal participants should be attempted? General Objective To depict the societal wellness insurance based on societal security attack in order to do informed recommendations to the policy shapers. Specific Aims: Describe wellness funding in low income states Describe the wellness attention financing strategies in Zanzibar and the purpose of presenting wellness insurance Describe wellness insurance strategies from other states and how do they run into with standards for public presentation Identify lessons learnt and supply recommendations for Zanzibar in set uping wellness insurance which is sustainable and just. Based on the aims, the survey will look profoundly in the undermentioned countries: Determine the purposes of in presenting insurance strategies, How they planned to utilize existing establishments or else and What the jobs have been in the reform. Effective of Risk pooling among the strategies Types of benefits /services members received Does the coverage just ( high or low ) ? Recommend on the practical stairss needed to implement the assorted strategies in Zanzibar. Beneficiaries: The Ministry of Health and Social Welfare Zanzibar ( MOSHW ) , Zanzibar Social Security Find ( ZSSF ) and the Ministry of Finance and Economic Affairs Zanzibar ( MOFEA ) . Methodology Study Restrictions Search Scheme: Cardinal Wordss: Chapter 3 Literature study on wellness Insurance How to cite Health Insurance Options And Mechanisms Health And Social Care Essay, Essay examples

What Is Email Marketing The Answer, Plus How to Get Started

In this article, we’ll answer the question of what is email marketing? and share some tips tricks to help you add this powerful marketing tactic to your arsenal.Beyond the basic definition, youll also get an introduction to the email marketing funnel and its importance, as well as a quick tutorial on how you can start building an email list today.Ready? Let’s jump right in! products (e.g. affiliate marketing)Most people think of email marketing as old-school, but  email still has the best ROI of any marketing channel.More specifically, the average company generates $44 for every $1 they spend on email marketing. For comparison, you’d only generate $2 for every $1 that you spend on your AdWords campaigns.You can view email marketing as a funnelSo how does a funnel connect to the question of what is email marketing?For those who aren’t familiar with the term funnel, it’s basically a model that you can use to guide your consumers towards making a p urchase.Here’s how an email marketing funnel might look like:ðŸšâ€" Traffic → Lead magnet → Education nurturing → Pitch → Sale 💠°At the top is  Traffic   these are the folks who visit your site.Draw subscribers in with the lead magnetNext, you have the Lead magnet. This is a valuable resource that you offer to your site visitors in exchange for their email.Your lead magnet might be:An eBookAn infographicA case studyA whitepaperA cheat sheetOr anything else that brings value to your visitors (for example, we offer a guide on how to speed up your WordPress site, which youll see at the end of this post).Here’s how it works:You set up a form offering your lead magnet to your site visitors. Like this one:Your site visitors enter their contact details into this form, and your email marketing platform triggers an email to them. (This email contains a link to download the lead magnet.)Convert new subscribers with education and nurturi ngFrom there, you move onto the Education And Nurturing  stage.The lead magnet that you’ve sent your consumers should serve to educate them†¦But if you’d like, you can also bring your consumers through a separate automated email campaign that will do the same thing.Say your consumers are interested in learning how to optimize their site for SEO, for example.You might send them the following email series:#1: Learn how to conduct an SEO audit for your site#2: Do’s and Don’ts of SEO#3: Advanced SEO tipsPitch your customers once youve built a relationshipOnce you’re done nurturing your consumers, it’s time to move on to the next stage of the funnel the Pitch.In this step, you hit your leads with your offer.Maybe you want to sell them your services, or perhaps you’re promoting your products. Either way, in this email you can tell them all about your offer and its benefits.Finally, the last step of the funnel is the  Sale, where y ou convert your lead into a paying customer.Why do you need a funnel, anyway?Now, you might be wondering†¦Why do you have to go through the funnel in the first place? Can’t you just sell to your consumers right off the bat?Yes, that’s possible but you probably won’t experience much success.Here’s the thing: not everyone who looks at your website is ready to buy immediately. Some of your visitors might still be researching their problem. Other visitors may be crystal-clear on their problem, but they might still be looking at various solutions.That’s why you need to nurture them with email marketing.Here, you’re trying to:Educate your consumers so they’re aware of their problem and solution, andPosition your company as the best candidate to provide the solutionGot it? Great!Let’s move on to talk about how you can get started with email marketing.How to get started with email marketingNow that you can answer what is email ma rketing?, its time to learn how you can start building your own email list.To get started with email marketing, youll need a third-party email marketing service to help you:Collect and manage your subscribersSend emails to those subscribers  and ensure those emails dont go to spam  (that second part is hard to do, which is why you shouldnt just send emails by yourself)There are plenty of email marketing services out there, but one of the most popular is MailChimp.For those of you who are new to marketing, we recommend using MailChimp to start off with. They have a free plan that you can use until you exceed 2,000 subscribers, so that’s one less expense to worry about!To sign up with MailChimp, click on this link.After you input your email address, MailChimp will send you a confirmation email. Click on the link in that email, and start setting up your email account†¦Create your first email marketing campaignOnce you’re through, it’s time to set up your f irst automated campaign.Click on Campaigns at the top panel, and then scroll down and click on Try It Out. You’ll be redirected to a drag-and-drop editor where you can create an automated welcome message that your new subscribers will receive.Don’t stress this editor is simple and intuitive to use, and you’ll get a tutorial that will guide you through the process.Once you’re done customizing your email, click on Save And Continue.Here’s where you can decide when you want to trigger your email. Since you want this welcome email to land in your subscriber’s inbox immediately when they subscribe, click on Edit, and change this to 0 days.If you want to add another email to this series, click on the Add Email button.You can use your second email to:Ask your subscribers to share something about themselves (e.g. what’s a goal they’re working towards, what’s a challenge they’re facing)Send subscribers to your most popula r blog articlesProvide subscribers valuable information and content (this falls under the Nurturing step of the funnel.)If you want to keep it to a single email as of now, that’s fine too. Click the Next button at the bottom of the page†¦Then click on Start Workflow.Annnnd you’re done! You’ve successfully set up your first automated campaign.Start collecting email subscribersAs mentioned previously, most people typically use lead magnets to capture their leads’ emails.You can also just create a plain email sign-up form, but that wont be as enticing for your visitors.Either way, you can follow our guide on how to create opt-in forms on WordPress.Once youve got your basic form in place, you can read our guide on how to double your email subscribers to start implementing more advanced list building tactics.What is email marketing? Its your new best friend!At this point, we hope you can answer the question of what is email marketing?Its a powerful way to build a life-long asset for your site. While search engine rankings and social media traffic come and go, your email list is forever!Still a little confused by the question of what is email marketing? Let us know your questions in the comments and well try to help out! Learn what email #marketing is, plus how you can start building your own email list today

IndiaA Political outlook essays

IndiaA Political outlook essays Politics play a crucial role in the origin and growth and even decay of cities in India. It also plays a great role in general urban development, decay and renewal. In most cases these policies are sponsored by the government, therefor, they obviously play a key role in the development of cities. In the following paragraphs I will describe different political aspects of the growth of an Indian city and how the government participated. I will also discuss the overall foreign policy of India. Politics played a crucial role in the origin and growth of cities since the beginning of humanity. These two developments led to the appearance of political authority. The agricultural revolution itself must have been planned by leaders with imagination and foresight. Thus, a formalized leadership and a well-developed power structure emerged in this process. It is due to this, perhaps, that many cities, in ancient times and today, came into being components of large empires. During the ancient and medieval periods administrative and strategic factors determined the location of towns and cities. This was first hand decided by the rulers or now known as the government. Being fortified around citadels, cities either flourished or decayed based on the prowess of royalty. The growth of commerce and the emergence of a merchant class have been cited as an important factor in urban growth. Typically an empire at its best contains an overgrowing body of urbanites and an upper class that has waxed more affluent and has increased its demand for a variety of goods. Merchants are thereby encouraged to extend their domain of operation into more emote regions like urban centers. Such a movement, though, needed the support and protection offered by the political base within the homeland. Military and strategic factors, also provided by the government, have been crucial in the emergence, location, growth and decline of some cities. Towns, for example, ha...

3 Reasons NOT to copy your Resume Summary into your LinkedIn Summary Section!

3 Reasons NOT to copy your Resume Summary into your LinkedIn Summary Section! Many people on LinkedIn make the mistake of copying their resume summary statements into their LinkedIn Summary section.   There are three major problems with this strategy: Problem #1: Trite Phrases Often your resume summary is laden with overused phrases like â€Å"Results-oriented team player with a proven track record†¦Ã¢â‚¬  or â€Å"Dynamic, motivated self-starter with extensive experience†¦Ã¢â‚¬  If your resume summary looks anything like the above examples, please rewrite it and hire a professional resume writer if necessary!   This type of language belongs neither on your resume nor in your LinkedIn profile. Problem #2: LinkedIn Summary Real Estate You have 2000 characters at your disposal for a LinkedIn Summary, vs. three to four lines maximum for your resume summary.   Why would you choose not to use all that real estate to say something – really say something – about yourself? Problem #3: Keywords Your LinkedIn Summary is an essential place for you to insert keywords if you want to be found on LinkedIn.   By inserting a 3-line summary, you lose out on your chance to build keywords into your profile. Resume Summary Example For Resumes Only Here’s an example of a very strong resume summary statement that does NOT belong in a LinkedIn Summary (note I DO like this statement as a resume summary statement – in fact I wrote it!): LeeAnn Dance Producer    Writer Editor Award-winning television producer and groundbreaking investigative reporter -    experience covering issues ranging from pre-election to international news, with special emphasis on East Africa.   Creator and writer of highly acclaimed documentaries and promotional videos for non-profit organizations. Eight years as producer for CNN. LinkedIn Summary Example Great Model! What would a LinkedIn Summary look like for LeaAnn?   Here is the statement we wrote for her: Award-winning investigative and documentary television producer Video production and broadcast journalism have been my passions for over 20 years, ever since receiving my MS in Journalism from Columbia University. I have produced everything from groundbreaking news stories for CNN to promotional videos for non-profit organizations, and I am currently hosting a blog radio show for parents relaunching their careers. My journalism background gave me the ability to distill a large amount of material and hone in on what’s true and important. I can pinpoint the real message that needs to be conveyed, creating a human story that moves and inspires an audience. Promotional Videos for Non-Profit Organizations As a freelance video producer, I specialize in creating high caliber, professional and creative promotional videos for non-profit and educational organizations. I understand the budgetary constraints of non-profit organizations and will work within a range of budgets and scope of work. Funders respond to high quality video presentations that effectively convey your organization’s message. I will take your message, target it, and transform it into a concise and meaningful array of pictures, words, and sounds. You will then have the power of an impactful video to present your organization’s activities at fundraising events and through the web. Back in Force In addition to being a video producer, I was a stay-at-home mom for 13 years, and I am committed to providing resources to women who are returning to the workforce. The Back in Force blog chronicles my journey and shares information about the return-to-work process. Blog topics include emotional roadblocks to relaunching, preparing your resume, updating your wardrobe, and preparing your family for re-entry. Check out my weekly blog talk radio show on relaunching your career, with guests including authors, career counselors, therapists, and employers. (www.blogtalkradio.com/backinforce) What works about this LinkedIn Summary Example? Conveys LeeAnn’s story and her passion (the resume summary does not). Contains multiple keywords that will get LeeAnn found on LinkedIn. Covers the different facets of what LeeAnn has to offer. Draws the eye to sub-headings so that readers can easily see what LeeAnn is about.   The text is broken into bite-sized pieces, not so blocky that no one will read it. Has a call to action. Note that the resume summary does NONE of these five things, even though it is perfectly great as a resume summary. Can you write a LinkedIn Summary Statement for yourself that accomplishes at least four out of the five functions listed above?   If yes, great go for it!   If you need help, consider contacting The Essay Expert for a free 15- minute consultation.   We will be happy to write you a LinkedIn Summary that will help you get found on LinkedIn and have the impact you want on the people who read your profile.

Marketing Orientation in Telecommunication Company Essay

Marketing Orientation in Telecommunication Company - Essay Example A deep analysis of the company has been made within this report. Also based on the study of the company and its competitors, recommendations have been set out for the management. The plan that has been set down which includes the benefits that Etisalat can gain from the recommendation of starting an e-Commerce website. This study has been based on a secondary research. The information collected is mainly from the secondary sources, which include various sources, studies, articles, newspapers, and websites. Secondary data refers to information published by others and which is already available1. It is also data collected by other people rather than the researcher who is carrying out the study2. There has been a through research conducted to gain all the information of this Etisalat. Great care has been taken while choosing the sources from the Internet and it has been ensured that the works chosen from the Internet are from published writers. As Berry refers to the Internet in his books, â€Å"an open door to nonsense to appear, and one way of checking on this is knowing about the author†3. The telecom industry of the Middle Eastern countries has seen a continuous growth. A forecast by Informa Telecoms and Media shows that the year 2009 will continue to see a constant growth, with almost 28.68 million net inclusions into the mobile market this year. The market is very wide and has as many as almost 250 million mobile subscribers and is expected to reach as high as 250.79 million by the end of 20094. Etisalat is one of the oldest telecom providers in UAE. It is headed by Mohammad Al Qamzi, the CEO. The company was incorporated in 1976 and has become a part of the Financial Times Top 500 Corporation. In terms of the capitalization and revenues, this company stands on the 6th position in the Middle East.  

Corporate Social Responsibility and Business Ethics in Barclays Bank Dissertation

Corporate Social Responsibility and Business Ethics in Barclays Bank - Dissertation Example The three concepts were discussed in relation to the roles they play in the strategic management of businesses, indicating that while they are generally viewed as peripheral issues to the maximisation of profits – the generally conceded principal aim of going into business – these concerns are actually central to the generation of revenues that lead to higher profits. CSR and stakeholder satisfaction, in particular regarding employees and customers, appeal to the market and therefore contribute significantly to the strategic and, ultimately, the financial success of the business. 24 List of Tables Table 1: Values and behaviours at Barclays Bank 33 Table 2: Performance of Barclays vs. Industry Leaders 34 Table 3: Frequency distribution of respondents according to age 38 Table 4: Frequency distribution of respondents according to gender 39 Table 5: Frequency distribution of respondents according to educational attainment 39 Table 6: Frequency distribution of respondents a ccording to length of association with Barclays Bank 40 Table 7: Customer satisfaction ratings 42 Table 8: Employee satisfaction ratings 45 Table 9: Respondents' perception of Barclays’ CSR for employees 47 Table 10: Respondents' perception of Barclays’ CSR for customers 49 Table 11: Respondents' perception of Barclays’ CSR for society 49 Table 12: Respondents’ perception of Barclays’ CSR for Government 50 Table 13: Respondents' perception on Barclays’ CSR for competitors 52 Table 14: Respondents' perception of Barclays’ CSR for the environment 53 Table 15: Respondents' perception of Barclays’ CSR for sustainability 54 Table 16: Respondents' perception of Barclays’ CSR for civil society 57 Table 17: Summary of mean scores for CSR perception 58 Table 18:Table of Pearson correlation coefficients between CSR & EMPSAT/CUSTSAT 60 Chapter 1: Introduction 1.1 Chapter overview The introductory chapter of this dissertation sets t he context within which the research problem is to be viewed. Specifying the context of the study delimits the perspective that an issue may be viewed, and sets the focal point and the boundaries for the study. The background of the research problem shall be discussed, leading to a statement of the purpose and objectives of the study. From the objectives, the research questions are articulated, in order to lead to findings that would eventually support the conclusion. Any assumptions made by the study are included, as well as the definitions of specific words and phrases relevant to their use in the dissertation. The significance of the study and its relevance to the industry and the broader social environment is thereafter discussed. 1.2 Background of the research problem The banking industry is a pillar of the nation’s economy and a vital determinant of the health and viability of business activity. Banks perform four critical functions: (1) their intermediation function, w here the banks intermediate between economic units with excess and deficient financial resources; (2) they adapt and modify terms and risks to the market