Risk Pooling Agreement

general tax revenue or combination of these receipts and social security contributions of employers and workers [30]. This type of pooling agreement is usually found in countries with relatively small populations, such as Costa Rica, Estonia, Lithuania, Moldova and Mongolia [31,32,33,34]. There are, however, some examples of larger or very large countries, such as Hungary [35] and Turkey [36]. Indonesia is also working to set up a national transitional health insurance pool, but a significant portion of the population has not yet been included in the pool. In addition, Indonesia is highly dependent on supply-side budgets [37], as is the case, for example, in Mongolia [34]. Smith PC, Witter SN. Pooling risks in healthcare financing: the impact on health system performance. Discussion Paper on Healthy Eating and Population. Washington DC: World Bank; 2004. A class of professional experts in finance and probability, called aktuare, work for insurance companies to try to predict the probability and severity of risk.

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