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[经济报道]塞内加尔将推广低成本医疗保险

2014-08-12    来源:普特英语听力    【      美国外教 在线口语培训
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From VOA Learning English, this is the Economics Report.

Low-cost health insurance is about to be available to students and informal sector employees in Senegal through a World Bank Program. Nearly two-thirds of all Senegalese are unable to get health insurance, many of these people fall into debt when they get sick or suffer an accident.

 
The World Bank Group's International Finance Cooperation is working with the International Center for Development & Research to provide the insurance. The bank says it plans to offer low-cost, private health insurance plans in Senegal as part of the area's first private co-pay program.
 
Tiphaine Crenn is an operations officer at the IFC. He says health insurance through private companies is very costly in the West African nation. He says about 65 percent of people in Senegal do not have any health care coverage.
 
In Senegal, only civil service employees or workers at companies with more than 50 employees, are able to receive health care coverage. Mr. Crenn said this means many people take out loans to pay for the cost of health care. He says this can empty a family savings. 
 
The IFC says that it will work with six private Senegalese insurance companies to share the costs of health risks. It says it will offer micro-healthcare products at well below normal costs.
 
Mr. Crenn said other health care plans can cost between $500 and $600 a year in Senegal, and are difficult to get. The IFC program will offer plans as low as $16 per year. 
 
Although plans that include hospital visits will cost up to $60 per year. Students can get basic health care and pharmacy services if they get injured at school or on the way to school for just $3 per year. 
 
In exchange for these yearly fees, people will receive a health card that requires them to make payments of equal to 20 percent of normal treatment or medication costs. Mr. Crenn says such a system could change the future of health care in Africa. 
 
He said if the system really works, it could provide a lesson for West Africa. Mr. Crenn said the pilot program plans to target around 108,000 people during the first year in Dakar. 
 
The program is expected to expand to Senegal's Thies and St. Louis areas. After that the program may be offered in neighboring countries. 
 
And that's the VOA Learning English Economics Report. VOA's Jennifer Lazuta provided this report from Dakar. I'm Mario Ritter. 
 
本文来源于普特论坛[report整理] SENEWS-2014-06-06

这里是美国之音慢速英语经济报道。

塞内加尔将通过世界银行的一个项目让当地学生和非正式部门员工享受到低成本医疗保险。在塞内加尔有将近三分之二的居民没有医疗保险,所以大多数人在患病或遭遇意外事故时只能靠负债解决问题。

世界银行集团国际金融公司与国际发展研究中心展开合作来为他们提供保险。世界银行表示,该行将在塞内加尔实施低价的私人医疗保险计划,也是这个区域首批私人付费项目的一部分。

Tiphaine Crenn是国际金融公司的运营官。他说,西非国家私营企业的医疗保险是非常昂贵的,在塞内加尔有大概65%的居民没有享受到任何医疗保险。

在塞内加尔,只有公务员和规模在50人以上的公司工作的雇员有医疗保险。Crenn 先生说,这就意味着大多数人需要靠贷款来支付医疗保险。这样会把一个家庭的积蓄全部掏空。

国际金融公司表示他们会和塞内加尔的六家私营保险公司合作,共同承担医疗风险的开支。他们还会提供远低于市价的微型医疗保健产品。

Crenn先生说,塞内加尔的其他一些的医疗保健方案每年会花费500到600美元,所以人们是很难享受到的。国际金融公司将会提供每年低至16美元的方案。

这个方案,其中还包括进院检查,每年花费高达60美元。学生在校期间或是在上学路上受伤的话,每年只需花费3美元就可以获得基本医疗保健和药品的提供。

缴了年费的人们会获得一张医疗卡,使用该医疗卡只需支付正常治疗费用或药物费用的20%即可。Crenn先生说,该体系会改变非洲医疗保险的未来。

他还表示,如果这个体系确实有用的话,就能够为西非提供一些经验。Crenn先生说,在第一年里,这个试点计划针对于达喀尔的大约10.8万居民。

该项目预计将扩大到塞内加尔的捷斯和圣路易斯地区。在此之后,该项目可能还会推广到邻近国家。

这里是美国之音慢速英语经济报道。美国之音的Jennifer Lazuta在达喀尔为您发回报道。我是Mario Ritter。



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