Coverage and access

Coverage and access

Health coverage is multi-dimensional, involving: who is eligible to access health services, what is available in the benefits package, how much cost-sharing is required and what other barriers impede access to needed care? 

 

Heath coverage is one of the health system’s most important functions and has three dimensions: 

  • Population coverage: the share of the resident population that is eligible to access publicly funded health services;
  • Scope of coverage: the package of publicly financed benefits (either explicitly listed or based on established precedent) to which those eligible for health care are entitled;
  • Breadth of coverage: the out-of-pocket costs people pay, through co-payments or user charges, for services that are not included in the public benefits package or which are only partly reimbursed. 

Access to care is shaped by these three coverage dimensions and also by potential barriers in health system delivery that limit the availability of care. These can include operational barriers such as: 

  • limited out-of-hours services or lack of appointment booking tools; 
  • having to travel distances to reach services, particularly in rural or remote areas;
  • waiting times to see specialists or have a hospital procedure; 
  • shortages of health care workers, particularly doctors or nurses, to staff facilities and provide services; and  
  • the availability of affordable medicines and medical aids. 

All countries, whatever their level of economic development, face the challenge of providing relevant, appropriate and cost-effective health services to their populations. This does not mean all services should be available to everyone at all times; instead the policy goal is to deliver services that match the population’s needs as closely as possible.  

This may involve making decisions that use evidence-based tools, such as Health Technology Assessment, to determine which (high-value) services should be covered and the (low-value) ones are excluded from the benefits package. Health coverage policies will also depend on the resources a health system has to fund services from public sources and how much households to pay privately. 

Universal Health Coverage

Universal Health Coverage (UHC) is one of the targets nations set when adopting the Sustainable Development Goals in 2015. A central objective of UHC is to ensure there are no gaps in population coverage, particularly for vulnerable groups, including undocumented migrants. Another aim is to guarantee financial protection, so that no one will face hardship, or fall into poverty, as a result of accessing health services for themselves or their family. Adequate access to health care also has broader societal benefits as it helps to improve the health status of the population and contributes to the economy. 

The European Observatory’s Health System Reviews (HiTs) contain detailed chapters on all aspects of health coverage within countries. A number of other publications explore the accessibility of health care from different policy-entry points and look at what countries are doing to improve health care. 

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