11 December 2020 | 9:13
By: Verónica García de León *
Our capacity for assembly is less than the most expensive ones in the worst cases. But recently there has been an umbrella of my surprise and preoccupation: the index of private medical inflation, that is, the increase in the cost of hospitals, medicines, treatments and consultations.
This year this indicator will be followed by a rate of 17% and for the next, the prognosis is 16%. The first date provided by Gabriela Ruiz, Deputy Director of Benefits in Mercer Marsh Benefits Mexico and the second to mention Daniel Bandle, CEO of AXA Mexico.
The numbers in summary reflect major mayors of private health services, the direct impact on our bolsillos, and more in a context of example and more contagious. To better understand the problem of the problem, it is clear that the level of medical inflation is higher than five times the level of general inflation, which in November was 3.3%, in annual terms.
Gabriela Ruiz explained to me that as part of the increment in the costs of private medicine, the explanation for an increase in the type of change in respect of 2019, many medical amounts are quoted in dollars. But it also has to do with sanitary emergencies.
And yes, the rate of medical inflation of this year contrasts with 2018 and 2019, by 13 and 14% respectively, when the new coronavirus was not known. And it will not impact if the average cost of hospitalization by COVID-19 is 390,000 pesos. And not only that, more than 60% of the cases hospitalized with the best medical guests at this level, there are two that are being treated in intensive therapy and the cost of medicine is 920,000 people, according to the Mexican Association of Health Care Institutions. AMIS)
Who cares about medical inflation?
An aggressive increase in the price of medical services is preoccupying itself in a country such as Mexico, where the public is obliged to resort to private medicine over the insufficiency and poor quality of public services, in addition to 17 out of every 100 Mexicans have no affiliates with any public health institution. This explains why Bolsillo’s guest on this theme, in Mexico, is one of the most powerful in the world.
However, there are reasonable grounds for opting for private medicine, but at the moment it is reasonable to assume that Covid’s mortality rate in a public hospital is 10% versus 5% in a private home, according to AMIS. Where are you looking for?
Another important repercussion of medical inflation is in the care of major medical guests who possess 11 million Mexicans. Según Daniel Blande, Director of AXA, is inevitably without effect. “Increases are very important in the health services of tenemos that go to our insured medians an increase in premiums”, commented in an interview. The proximity to the previous one preceded by a double digit.
The insurers at the end pay the hospitalization and the treatment of their clients before any accident or injury, and mayors charge the services the mayors cost and less utility, because if they can well below their premiums, they can not do in the same proportion.
Para Blande er uundværlig Kontroll med inflación médica y para ello sugiere que haya algún organ that regule al system privatud de salud, que haya “una Profeco de la salud”, terninger. Además, which is more transparent in the tariffs that maneja, opens to the public where valen his treatments and how evolution the prices. Suggest also that the most common commodities are related to a maximum price.
Anything that has the form of controlling medical inflation in these moments should be a priority. And so it seems to me that hospitals and insurers have increased their margins of well-being well into the population, or that the governess allows an additional deduction for the guest of bolsillo and private medicine, then finally complements the public health services.
* Verónica García de León is a specialist in economics and finance. The interest explains and analyzes economic themes with a social impact. Studied the specialty in Divulgación de la Economía and won the IE Business School’s Economic Period Award. Fortune editorial director of Fortune en Español.
Twitter: @vgarciadeleon
This text is an opinion blog. Its content is the responsibility of the author and does not necessarily represent the position of the CEO.