Dobrowolne prywatne ubezpieczenia zdrowotne. Propozycje i debata wokół ich wprowadzenia w Polsce
Voluntary private health insurance– the public discussion about proposals in Poland

Summary/Abstract: The aim of each health care system is to protect citizens from ill health consequences and provide them with health care services they need. There are two main solutions to assure health care - social health insurance system and budgetary model. Despite domination of universal public system, in many countries private solutions develop alongside. Private health insurance (PHI), in contrary to public systems, calculate premium according to individual risk and it is (usually) purchased voluntarily. PHI exists in all EU countries playing different role in each. In Poland PHI is not well developed yet. This article presents main characteristics of PHI and current situation of PHI on Polish health care market. A brief history of attempts to introduce PHI in Polish health care system are described, with special focus on the last bill prepared by the Ministry of Health in March 2011. The latest proposal is analysed in details, based on international experience in PHI. The paper also evaluates possible influence of proposed Polish regulations on main actors in health care sector. Conclusions present key problems and recommendations for the process of introducing/developing PHI in health care system.

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