Compulsory Social Insurance
Social Security Scheme (SSS) - a tripartite contribution scheme by the
employer, the employee and the government ensures health security for
formal sector employees.
Workmen Compensation Scheme (WCS) - an employer liability scheme to
protect the employee from work-related injuries, illnesses and funeral grants.
Traffic Accident Insurance - ensures access to care by traffic accident
victims through compulsory premium paid by all car owners to private
insurance firms (4).
2.2.4 Voluntary Schemes
Private Health Insurance - a voluntary risk related premium contribution
covers mainly the better off (5).
Government Health Card Scheme (HCS) - a voluntary alternative for the
uninsured, e.g. rural informal sector workers who are not eligible for low
income scheme, the self-employed and employee in small firms of less than
10 employees who are not eligible for the social insurance scheme (6).
Several small scale community financing, saving schemes provide limited health
benefits to its members. Payments are made retrospectively to members at the end of
the year according to the funds available. Self-help funeral grants are more common
than health benefits. The chronological events of various scheme developments are
summarized in Table 2.1, showing a wide gap of discrepancies.