Private Health Insurance (Medical Aid) and Huge Shortfalls in Zimbabwe: Policymakers playing ducks and drakes

By: Enock Musungwini, MPH, MBA Introduction A shortfall is the difference between what a health service provider charges for a patient’s treatment and what the medical insurance company will pay for that service. Shortfalls are sometimes presented as a co-payment, which is the gap between what the Private Health Insurance (PHI) company or medical aid pays to the health service provider for service rendered to the patient and what the health service provider will have charged the patient, known as a tariff. According to Suriyawongpaisal et al. (2016), huge shortfalls…

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