Evaluating the Impact of 2017 Private Health Insurance Reforms

This report provides a comprehensive analysis of the 2017 reforms to Australia's Private Health Insurance, focusing on the objectives of the reforms, a critical evaluation of the strategies employed, and an exploration of opportunities for further development. It discusses the differentiation of hospital insurance tiers, website upgrades, cost reduction measures, expansion of insurer age ranges, and the removal of natural therapy coverage. The report critically evaluates the strategy's alignment with customer needs and governmental objectives, highlighting its role in ensuring user-friendly insurance policies. Opportunities for development include increased government spending on insurance, expanding age group coverage, and enhancing analytical capabilities. Recommendations focus on aligning policies with population needs, increasing coverage amounts, and providing transparent information on the insurance act. The conclusion emphasizes the need for ongoing adjustments to the insurance act to meet the evolving needs of the Australian population. Desklib offers a variety of resources, including similar reports and solved assignments, to aid students in their studies.

Running head: ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Name of the Student
Name of the University
Author Notes

1
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Executive Summary
The aim of the report is to analyse the reforms that are made in the Private Insurance of
Australian government in the year 2017. The reforms are at par the needs of the organization
and also to cater to the betterment of business in the forms of the matter. The report here
concerns the strategic changes and the analysis of the changes along with their critical
implications. The changes are then reviewed and then recommendations are cited which are
based on the strategic analysis. The overall report is an analysis of the whole insurance
reforms which are one of the major changes in the Australian insurance sector for the year
2017.

2
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Table of Contents
1. Introduction........................................................................................................................3
2. Discussion..........................................................................................................................3
2.1 Discussion of the Private Health Insurance reform in Australia 2017.........................3
2.2 Objectives of the reform...............................................................................................4
2.3 Critical evaluation of the strategy................................................................................5
2.4 Exploring the opportunities for development..............................................................6
3. Recommendation................................................................................................................7
4. Conclusion..........................................................................................................................8
5. References..........................................................................................................................9
Bibliography.........................................................................................................................11

3
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
1. Introduction
Private Health Insurance (2018) states that Insurance is defined as the protection that
is being done from the financial loss which can be incurred from the various types of risks
including transportation, health, family and others. There are a number of insurance
categories which can help an individual to cater to the risk incurred by the various people
namely the health insurance which protects the person from the various health hazards. As
per the statemnets by Lagomarsino, Garabrant, Adyas, Muga and Otoo, (2012), now every
health insurance comes with its set of objectives and issues which has been discussed in
relation to the Private Health Insurance 2017 norms. According to the statements made in the
Private Health (2018), The Private Health Insurance in Australia is a initiative from the
Government of Australia which is managed by the Private Health Insurance Ombudsman.
The insurance company aims to provide insurance to the people and also helps the people to
choose from the best insurance services in the provinces of Australia (Private Health, 2018).
The report aims to establish the objectives of the reform and the critical evaluation of the
strategy along with opportunities and recommendations.
2. Discussion
2.1 Discussion of the Private Health Insurance reform in Australia 2017
According to the statements of Schwartz, Furrow, Graney, Johnson and Stoltzfus Jost,
(2013), the Private Health Insurance in the year 2017 reformed its measures and objectives in
order to make the insurance policy for the people simpler and better in every sense. In
addition, the affordability rate of the private health insurance is also made better by having
different modes of payment to the health bills. According to Paez et al. (2014), the power of
the organization is to be increased along with the number of benefits to have detailed analysis
of the task. The hospital insurance is increased to allow the insurance of travel and
accommodation facilities in the section. The reform is a basic way to have the analysis for the

4
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
health insurance act for the people of the Australian origin (Lagomarsino, Garabrant, Adyas,
Muga & Otoo, 2012). The private health insurance reform is one of the basic reforms that is
there for the majority of the span in the prolonged span of time.
2.2 Objectives of the reform
Sommers, Buchmueller, Decker, Carey and Kronick, (2012) states that there are a
number of objectives that are there for the Private Health Insurance reform in Australia in the
year 2017 –
 Differentiating the insurance of hospitals into the various modes to have a decent
amount of price difference between the bronze, silver and gold and even the basic
category.
 Up gradation of the website for the easy handling of the customers and the easy way
for the customers to engross in the activities. The personalised way of the system is to
be connected to have a detailed analysis (Sommers, Buchmueller, Decker, Carey &
Kronick, 2012).
 Reduction in the cost of the customers through benefit reduction for upto $1.1 billion
 The insurer age to expand from 18 to 29 years of age to have a detailed benefit in
matters of the hospital discount schemes. The overall discount for the people after
they have turned 41 is to be implied to have a detailed analytical schemes in the areas
(Smith & Medalia, 2014).
 To increase the voluntary ways and schemes for the hospital authorities and to make
sure to have a detailed analytical scheme for the sense since the time span of 2000
(Rosenbaum & Sommers, 2013)
 The removal of the coverage and the range of natural therapies and benefits under the
category of general to have a detailed analytical facts. The overall analysis is to be
done on the basis of the people who come under the therapy and some of the diseases

5
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
have to be excluded to have an analytical schemes for the aspect (Smith & Medalia,
2014)
 The increase in the number of people who are the volunteer in the whole part to have
a detailed analysis of the facts in the period. The volunteers strive to meet the people
who are under the areas and to have a forceful impact on the changes adhered.
2.3 Critical evaluation of the strategy
The strategy which is there for the development of the facts is to be considered to
have a detailed analytical schemes of the areas which is meant to establish a positive aspect
of the whole scheme. Rosenbaum & Sommers, (2013) states that the private insurance of
Australian government is to be considered that the overall analysis of the new aspects of the
insurance act is to be issued to meet the ways and means of the customers. Critically
evaluating the overall analysis of the strategy implied, it can be stated that the overall analysis
of the new reforms that are there in the new means of the Australian private insurance is to be
analysed. The insurance reforms are done to adhere to the different needs of the people and
their insurance claims that has been provided by the company and the Australian government.
Buchmueller, Fiebig, Jones and Savage, (2013) states that the overall critical
evaluation of the fact makes sure that Australian private insurance deals with the health of the
people which is one of the most important aspects for any of the individual in any parts of the
global sphere. In addition, the overall analysis of the strategy is to adhere to the fact that the
strategy claimed by the private insurance company is to make sure that the overall
perspective of the insurance is user-friendly for the people who are conducting the work
(Buchmueller, Fiebig, Jones & Savage, (2013). In addition, the overall analysis of the fact
make sure that the new strategy have the required benefits and detailed sources for the easy
way for the customers who are there for the analysis for the matter.

6
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Strategically speaking it can be said that the overall analysis of the insurance and the
reforms that are being implemented in the arena is to make sure that every customer of the
insurance irrespective of the fact is to be adhered to the sense to have a detailed analytical
sources in the span of time. The reforms that are being implemented by the company is
mainly done to adhere to the needs of the government and to have more business in terms of
the customers.
2.4 Exploring the opportunities for development
There are a multiple areas in which the development of the insurance act can be done
which are as follows –
 One of the principle areas in which the development can be done is to increase the
amount of money the government spends in the insurance of the people and also to
catering to the maximum stretch of population in the span of time. The overall
analysis of the insurance and the financial matter in terms of the insurance act is to be
assessed.
 The second opportunity which can be made for the development of the insurance act
is to benefit a large number of people by including more people in the age group and
also to expand the age group in the span of time. The age group above which the
discount will be given should also be increased to have more people capable of roping
the benefits
 The third opportunity that is there in the span of time is to have a detailed analytical
figure and also to have a cell in which the calculations for the task can be done. In
addition, the overall analysis of the task is to be made aware of the span and also to
adhere to the means in the span of the time. If more access can be done to the given
population base and also the people having the analytical figures in terms of the
organization for the benefits, more customers can be roped enjoying better benefits.

7
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
3. Recommendation
The policy and the reforms that are there in the Private Insurance reform of the year
2017 is one of the pivotal means for the accessing the insurance act have the facilities given
by the people. The recommendations for the insurance reforms for the year 2017 can be said
in the following terms –
 The foremost recommendation is to analyse the needs of the people and to make the
insurance policy according to the needs of the population which is one of the primary
aims for any organization that is run by the government. The Private insurance
reforms of 2017 is based on the needs of the people, however, there are certain
hospitals, cases and diseases in which the insurance does not work which can be a
casue for the concern for the people. If the insurance company can mend these things,
they will provide for the better benefits.
 The amount of coverage can be increased so that even in times of extreme health
conditions, these kind of insurance can be accepted and also made into action by the
span of time. The overall analysis of the people and the insurance that is being given
for them is to be assessed based on the needs which are lacking in the terms in some
way or the other. If the above concerns are being tacked and each of the people are
given equal opportunities to avail by increasing the coverage versions, then the
wholesome matter can be changed.
 The third recommendation is to have a detailed analysis of the insurance and the terms
and conditions of the act in the website itself along with a calculator for calculating
the amount of money that is to be given by the people in terms of the time span. If
such detailed analysis of the insurance and the terms can be provided, surely a number
of people will be interested due to the clarity of the action.

8
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
4. Conclusion
At the end of the analysis, it can be concluded that the reforms of the private
insurance act of the Australian government in the year 2017 needed some of the mandatory
changes and amendments to cope up with the people in the selected span of time. The
insurance act needed to be adjusted as per the needs of the people which is being done to a
great extent. Moreover, the report here analysed all the detailed and necessary acts in the span
with the critical strategic analysis of the same. Detailed recommendations are also being
provided to the work to give ample evidence in the span of the time.

9
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
5. References
Buchmueller, T. C., Fiebig, D. G., Jones, G., & Savage, E. (2013). Preference heterogeneity
and selection in private health insurance: The case of Australia. Journal of Health
Economics, 32(5), 757-767.
Lagomarsino, G., Garabrant, A., Adyas, A., Muga, R., & Otoo, N. (2012). Moving towards
universal health coverage: health insurance reforms in nine developing countries in
Africa and Asia. The Lancet, 380(9845), 933-943.
Paez, K. A., Mallery, C. J., Noel, H., Pugliese, C., McSorley, V. E., Lucado, J. L., &
Ganachari, D. (2014). Development of the Health Insurance Literacy Measure
(HILM): conceptualizing and measuring consumer ability to choose and use private
health insurance. Journal of health communication, 19(sup2), 225-239.
Private Health (2018) Available on https://www.privatehealth.gov.au/healthinsurance/
[Retrieved on 25 Oct 2018]
Private Health Insurance (2018) Available on
http://www.health.gov.au/internet/main/publishing.nsf/Content/private-health-
insurance-reforms-fact-sheet-summary [Retrieved from 25 Oct 2018]
Rosenbaum, S., & Sommers, B. D. (2013). Using Medicaid to buy private health insurance—
the great new experiment?. New England Journal of Medicine, 369(1), 7-9.
Schwartz, R. L., Furrow, B. R., Greaney, T. L., Johnson, S. H., & Stoltzfus Jost, T.
(2013). Health law: cases, materials and problems. West Academic Publishing.
Smith, J. C., & Medalia, C. (2014). Health insurance coverage in the United States: 2013.
Washington, DC: US Department of Commerce, Economics and Statistics
Administration, Bureau of the Census.

10
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Sommers, B. D., Buchmueller, T., Decker, S. L., Carey, C., & Kronick, R. (2012). The
Affordable Care Act has led to significant gains in health insurance and access to care
for young adults. Health affairs, 32(1), 165-174.

11
ORGANISATIONAL GOVERNANCE PERFORMANCE MANAGEMENT
Bibliography
Australian Institute of Health & Welfare. (2012). Health expenditure Australia 2010-11 (No.
47). AIHW.
Chrisopoulos, S., Harford, J. E., & Ellershaw, A. (2016). Oral health and dental care in
Australia: key facts and figures 2015. Australian Institute of Health and Welfare.
Jeon, B., & Kwon, S. (2013). Effect of private health insurance on health care utilization in a
universal public insurance system: a case of South Korea. Health policy, 113(1-2), 69-
76.
Wilkins, R. (2015). The household, income and labour dynamics in Australia survey:
Selected findings from waves 1 to 12. Melbourne: Melbourne Institute of Applied
Economic and Social Research, The University of Melbourne.
Willis, E., Reynolds, L., & Keleher, H. (Eds.). (2016). Understanding the Australian health
care system. Elsevier Health Sciences.