NHS Defrauded By Another Black Thief - Another £145 Thousand Stolen
[ 29 August 2015 ]
QUOTE
Bimbo Ayelabola, 37,
had to have complex caesarean section while in UK The operation and
neo-natal care for five babies cost in excess of £145,000 She returned to her
native Lagos where she is successful a make-up artist It's emerged that
Homerton Hospital, east London, won't chase her for bill
UNQUOTE
The NHS seemed like a good idea at the time. It
was but now it is The IHS or
International Health Service being robbed by
all and sundry. Why was this black treated at all? Why did she come to England
in the first place? To defraud us. The hospital know there is no point in
chasing her. She is outside the jurisdiction.
PS The EHIC, emergency
treatment cards are handed out willy nilly then get used by Indians. Why pay
when you can steal? If you complain you are a Racist.
Blacks Rob NHS Blind [ 1 September 2015 ]
QUOTE
With a dazzling smile and expensively-styled long hair, glamorous Dr
Ola Orekunrin is a walking advertisement for the new
multi-ethnic Britain. Not only was she — at 21 — the youngest person ever to
qualify as a doctor but she has since held down important posts at a string
of prestigious hospitals............
Her venture, Flying Doctors Nigeria, gave her an enviable international
profile. She was featured by
Time,
CNN and the
Guardian. She graced the pages of
Forbes as one of Africa’s most promising
entrepreneurs, and she was a hit on the international conference circuit
with her
TED talks. She was named a 2013 New Voices Fellow at
the
Aspen Institute and a Young Global Leader by the
World Economic Forum .
But the flying doctors career plummeted into the ground earlier this year
when she was exposed as a liar and fraudster at a London medical
disciplinary hearing. She personally jetted in a
critically-ill burn victim from Nigeria, ‘dishonestly’ claimed the Nigerian
was a UK resident, and obtained NHS treatment costing more than £45,000.
This patient was then found to be carrying a deadly superbug infection which
meant that one of Britain’s foremost burns treatment centres — a reception
centre for injured servicemen — had to be temporarily closed because of the
potential risk to other patients. NHS management is so notoriously lax that,
if not for that last disaster, she might have been getting away with this
racket to this day............
The two cases were one-offs. But much larger sums, potentially tens of
millions a year, are
ripped off by more routine and mundane scams such as
doctors fraudulently obtaining
drugs and sending them to family members abroad. Dr
Sukhendu Chattopadhyay abused his position as a ward doctor at Orpington
Hospital in Kent, to write scripts for his mother-in-law in India for nearly
four years. Amongst Muslim and Hindu NHS staff this practice is thought to
be
endemic...........
It is hard to avoid the conclusion that all this is deliberate. If
a politician wanted to surreptitiously destroy the
NHS then they could
hardly do a better job. The NHS is such a politically untouchable issue that
no assault on it can be done in the open. What better solution then, than to
run it into the ground with the present covert mass-immigration policy?
UNQUOTE
Francis Carr Begbie
does not mention that
European Health Insurance Cards [ EHIC ]
are a passport to free treatment worldwide. Just how many
Pakistanis called Khan or Singh had their
relatives treated at our expense in Lahore? They have cost us millions, if not
billions. As I
write black nurses are trying to get an old Englishwoman suffering from
Alzheimer's out of hospital
even though she cannot stand up by herself. They are making room for their
favoured customers.
PS Mr
Begbie is
mentioned by
Wikispooks.
Third World Medic Does Not Notice Husband's Illness Then Sues NHS
[ 12 November 2016 ]
Kumudu Rupasingh was training to be a consultant but didn't notice
that her old man was going to have a heart attack. She sued the
NHS & came in for £335,000. Could this be
reverse Racism, anti-English racism? It most
certainly could. Once one of them gets away with it the rest will be there like
flies on the proverbial.
PS It is alleged that she is a 'brilliant' doctor.
American Health Care Versus The Rest
It is far more expensive and
often mediocre. Fred explains all in his usual
cheerful & lucid
fashion.
Pfizer Fined £84.2 Million For Defrauding The NHS In Drug Sales
[ 9 December 2016 ]
Pfizer increased the price of an anti-epilepsy drug by as much as
2,600%. The NHS noticed eventually. But of
course it is only tax payers' money. Notice that the fine will not touch the
perpetrators, just the share holders.
Health Tourists Will Get To Pay First
[ 6 February 2017 ]
It is a gesture in the right
direction but there are so many blacks here that it will hardly make a dent in
fraud. Forged utility bills are available. Their prices will now go up. Getting
referred by a doctor means using one that is open to bribes. That is the reality
of Third World immigration.
Arabs Charged With $132 Million Medicare Fraud In Detroit [ 18 July 2017 ]
In fact only six are Arabs; one reads as Greek. It is part of a
national crime system because government medical insurance is
open to fraud. See e.g.
Medicare Fraud
Cost $1.3 Billion - 400 Charged. It happened before -
Sixteen Charged in Detroit Area as Part of Largest National Medicare Fraud Takedown in History
back in 2015. That one includes Arabs and a Jew.
Health Tourists Steal Billions From NHS [ 24 October
2017 ]
QUOTE
A fellow doctor had the nerve to tell me on national radio yesterday that
health tourism is an insignificant problem for the
NHS.
Listeners to the Today programme on Radio 4
heard her claim that ineligible patients from overseas account for just 0.3
per cent of the health service’s budget.
That’s what many doctors like to believe. And
even if this were the case, 0.3 per cent would amount to some £360 million,
enough to pay for thousands more doctors and nurses in our overstretched
health service.
But the truth is actually far worse: health
tourism costs the NHS in the region of £2 billion. And it is contributing
hugely to a crisis in our capacity to provide care as patients are turned
away because beds are full and operating theatres are not available.
UNQUOTE
Blacks from Nigeria impersonate brothers or sisters; it is easy. Forged
electricity bills 'prove' addresses. Emergency admissions are well enough to
scarper in the night when there is no one around. And, yes, the
BBC is a corrupt Propaganda
machine.
Nine Out Of Ten Pregnant Patients Were Foreign Thieves
[ 17 December 2017 ]
QUOTE
A clampdown on foreign women who fly in to give birth ‘for free’ on the
NHS is proving to be a resounding success, The Mail on Sunday can
reveal. Since the spring all pregnant women giving birth at St George’s
Hospital in Tooting, South
London, have been required to prove they have lived in the UK for at
least a year. The drive – a trailblazing programme being rolled out across
dozens of other hospitals – has led to a huge fall in the number of women
from outside Britain attempting to obtain maternity care without paying.
Official NHS figures indicate the number of
labour ward health tourists has dropped by at least 90 per cent at St
George’s, The Mail on Sunday can reveal.
UNQUOTE
This is good news, if it is true. Forging gas bills is not difficult. Anyway
what does a passport mean? Driving licence pictures are even smaller.
Telling one black from another is not that easy.
Health Tourist Stole £530 Thousand From NHS [ 8 January 2018 ]
QUOTE
A health tourist has racked up Britain's biggest ever unpaid
NHS bill after leaving a hospital with a debt of more than
£530,000............... Hospital bosses have cited 'patient confidentiality'
and have not revealed which country they are from, their age or gender.
It comes as health tourism continues to cost
the NHS around £2billion a year after doctors up and down the country
provide treatment for non-EU residents. The latest incident means
the Central Manchester University Hospitals NHS Foundation Trust was left
with a debt of £532,498.
Freedom of Information laws has revealed that
the figure is £30,000 more than the previous highest health tourist debt.
UNQUOTE
The previous champion was a pregnant black thief from Nigeria. Making
incomers have insurance would help. Proof of address? It would be good for
forgers of dodgy gas bills. They aren't that difficult to imitate.
NHS Trust Achieves 18 Murders By Releasing Lunatics Into The Wild
[ 27 January 2018 ]
QUOTE
How long did it take psychiatric patient Daniel Atkins to make a mockery of
the decision to release him into the community? Precisely two days. He then
proceeded to beat his 71-year-old neighbour to death at his flat in Bromley,
South-East
London.........
These failures were laid bare in evidence which emerged at Atkins’ trial
at the Old Bailey the following year. ‘Fatally flawed’ were the words the
judge used to describe his discharge from a mental health unit at the Queen
Elizabeth Hospital, Woolwich — just 48 hours before Mr Parsons was
killed....................
Shockingly, over the past 15 years, no
fewer than 18 patients — yes, 18 — have gone on to kill after being left
at large by Oxleas NHS Foundation Trust. The list of victims breaks the
heart. They include a former midwife strangled by her daughter, a father
beaten in an alleyway following a row in a pub, a man whose throat was
slit by his neighbour and a householder brutally assaulted during a
burglary.........
‘This figure [18] is far
too high and the number is not decreasing, so there is no evidence that
Oxleas is learning any lessons from these appalling tragedies,’ said
Julian Hendy, who founded the
Hundred Families charity — so called
because around 100 families a year in the UK will have a loved one
killed by someone with mental illness. His own father was fatally
stabbed by a psychotic patient in Bristol in 2007....... The
psychologist whose report to the parole board contributed to the
decision to free him was named as
Jackie Craissati, who used to work for Oxleas. She was based
at Oxleas’ Bracton Centre from 1988 and was clinical director between
2010 and 2016.
UNQUOTE
Running lunatic asylums is expensive so a public policy decision was
made; release them into "the community".
Her Majesty's Government knew
then and knows now that there would be a price in blood, a price to be
paid by
The Forgotten Man, he who prays, he who
pays for social projects going wrong. The
Hundred Families Charity
tells us about that price, a hundred people a year dead, around two
murders every week. The other public policy decision was to lie about
it, lying by omission, concealing the truth from us, the victims. A
number of these murderers were signed off by
Jackie Craissati MBE. Her
LinkedIn page duly page skates over this fact. She has
QUOTE a special interest in the assessment and treatment of high risk sexual,
violent and personality disordered offenders.
UNQUOTE. John Gunn
CBE, the Chairman at Crime in Mind tells us that
QUOTE Jackie is number one assessor and manager of sex offenders and other
serious offenders.
UNQUOTE
so The Establishment closes ranks,
ignores the victims and carries on getting very well paid. Their foul
ups, our problems.
May's Post-Brexit Immigration Plan Could Cut Off Cheap Labour For The NHS
[ 25 April 2019 ]
QUOTE
Senior
NHS figures have warned the Prime Minister's post-Brexit
immigration policy would have a damning effect on Britain's hospitals, it
has been revealed today.
Executives have voiced fears over
the Government's
immigration white paper, which outlines stringent plans for a £30,000
salary threshold on workers moving to the UK. Officials claim the 'appalling' threshold
could spell the 'most destructive policy proposal for NHS recruitment' and
force some hospitals to close 25 per cent of services, according to
documents seen by
The
Daily Telegraph.
UNQUOTE
When the Brexit nausea is over
May will be out on her ear; she will never get to
run a whelk stall after this. The NHS as
victim is a story used by Labour Party
apparatchiks who want Pakistani Perverts
to do their industrial scale Vote Rigging and
by Capitalist Swine who want cheap
servants.
Brit Gets Thirty Months For Defrauding The NHS [
1 May 2019 ]
QUOTE
A British man who helped his American friend 'granny dump' his
dementia-suffering father in the UK so he could get free healthcare has been
jailed. Simon Hayes helped his best friend Kevin Curry bring his elderly father
Roger Curry to the UK in 2015 to avoid paying costly medical bills in the US.
After Kevin and his mother Mary flew 78-year-old
Mr Curry to Britain, Hayes took him to Hereford, a city in the west of England,
and pretended to have found the pensioner lying face down in a country road. Mr
Curry, who is from Whittier, California, had no ID and was unable to remember
his name or personal details when he was discovered, prompting a long-running,
worldwide investigation to find out who he was. Hayes and Curry's plot was
eventually uncovered by police and, after admitting charges of fraud and
perverting the course of justice in a British court, Hayes was today jailed
for two-and-a-half years.
Kevin Curry is under investigation in the US for
elder abuse, fraud and kidnapping, the court heard.
UNQUOTE
They got rid of the oldie in the end. The Chinese do this too. Grandma comes to
England, suddenly falls ill, has expensive treatment then makes off and no one
can speak English anymore.
Pill Making Firms Conspired Against NHS To Steal Millions - Allegedly
[ 24 April 2019 ]
QUOTE
Four pharmaceutical companies have been accused of breaking the law to fleece
the
NHS out of millions of pounds. Alliance Pharma, Focus, Lexon and Medreich
allegedly agreed for only one of them to sell a particular anti-nausea drug so
it could hike up the price.
The Government's Competition and Markets Authority
(CMA) accused the firms of working together to inflate the price of the drug by
700 per cent in four years. The medicine, called prochlorperazine, is prescribed
by the NHS to treat nausea and dizziness – last year more than 6.2million of the
dissolvable tablets concerned were prescribed. If found guilty, the firms could
be fined as much as £35million by the British Government.
UNQUOTE
They are in business to make a profit & of course it is only tax payers being
cheated. There are billions more being stolen or wasted every year.
Unmarried Irish Mother Given Wrong Baby [ 12 June 2019 ]
QUOTE
A mother has revealed the devastating moment she discovered her daughter, 51,
had been swapped with another baby, and that the woman she raised was not her
biological daughter.
Helen Maguire, now 71, from Tipperary left her
daughter Christine with the nuns at the infant hospital at Temple Hill, the
infant hospital at St. Patrick's Guild adoption home in Dublin, while she found
somewhere for them to live. Yet when she returned to pick up her daughter six
weeks later, Helen now realises she was given a different child. It is unclear
if this was intentional.
After considerable publicity about the illegal
adoption scandal in Ireland last year, she took a DNA test with her daughter
Christine Skipsey, 51, and the pair discovered they were not biologically
related.
UNQUOTE
The
Mail treads lightly on the bit about her not being married, It has an
agenda. It also does a total news blackout on
Paedophiles if they are Jews but the
Failed Messiah does not - see
Failed Messiah Accuses Paedophiles
Ireland was a decent
part of Christendom. Now it has gone wrong in less
than a century. Being infiltrated by Zionist crazies
e.g. #Alan Shatter with an
agenda of hate was bad news. The Long March Through The
Institutions was the technique worked out by
Antonio Gramsci, the leading intellectual of the communists in Italy.
PS The Mail mentions
Michael Cleary,
a priest thought to have fathered a child or two. There is also
Eamonn Casey, a bishop
who had a son.
Irish Care Home Is A Major Crime Scene With 1500 Attacks On Patients
[ 28 August 2019 ]
QUOTE
CCTV has revealed more than 1,500 crimes were
committed by staff on one ward at a scandal-hit psychiatric unit in
Northern Ireland.
The incidents, which include the 'repeated
physical abuse of patients', took place over a six-month period in 2017-18
at the Muckamore Abbey Hospital in County Antrim.
Police are probing allegations of prolonged
abuse of vulnerable patients in what is being called the 'largest adult
safeguarding case' of its kind in the country.
UNQUOTE
The Irish get a good press but there is a streak of nastiness that surfaces
from time to time. Gerry Adams is an example.
Boris Did Not Die Of Coronavirus So He Thanks The NHS
[ 13 April 2020 ]
QUOTE
I have
today left hospital after a week in which the NHS has saved my life,
no question. It’s hard
to find the words to express my debt – but before I come to that I
want to thank everyone in the entire UK for the effort and the
sacrifice you have made and are making. When the
sun is out and the kids are at home; when the whole natural world
seems at its loveliest and the outdoors is so inviting, I can only
imagine how tough it has been to follow the rules on social
distancing
I thank you
because so many millions and millions of people across this country
have been doing the right thing – millions going through the
hardship of self-isolation – faithfully, patiently, with thought and
care for others as well as for themselves.
I want you
to know that this Easter Sunday I do believe that your efforts are
worth it, and are daily proving their worth.
Because
although we mourn every day those who are taken from us in such
numbers, and though the struggle is by no means over, we are now
making progress in this incredible national battle against
coronavirus. A fight we
never picked against an enemy we still don’t entirely understand.
We are
making progress in this national battle because the British public
formed a human shield around this country’s greatest national asset
– our National Health Service. We
understood and we decided that if together we could keep our NHS
safe, if we could stop our NHS from being overwhelmed, then we could
not be beaten, and this country would rise together and overcome
this challenge, as we have overcome so many challenges in the past. In the last
seven days I have of course seen the pressure that the NHS is under..................
I want to
thank the many nurses, men and women, whose care has been so
astonishing. I am going
to forget some names, so forgive me, but I want to thank Po Ling and
Shannon and Emily and Angel and Connie and Becky and Rachael and
Nicky and Ann. And I hope
they won’t mind if I mention in particular two nurses who stood by
my bedside for 48 hours when things could have gone either way. They are
Jenny from New Zealand – Invercargill on the South Island to be
exact – and Luis from Portugal – near Porto.............
That is why
we will defeat this coronavirus and defeat it together. We will win
because our NHS is the beating heart of this country. It is the best
of this country. It is unconquerable. It is powered by love. So thank
you from me, and from all of us, to the NHS, and let’s remember to
follow the rules on social distancing. Stay at home, protect our NHS
– and save lives. Thank you,
and Happy Easter.
UNQUOTE
A handsome tribute to The NHS.
NHS Is Being Defrauded By Third World Aliens [ 18 March
2021 ]
QUOTE
AKA
Ethnic Nepotism, Incompetence and Parasitism at Britain's National Health
Service
With a dazzling smile and expensively-styled long hair, glamorous Dr
Ola Orekunrin is a walking advertisement for the new
multi-ethnic Britain. Not only was she - at 21 - the youngest person ever to
qualify as a doctor but she has since held down important posts at a string
of prestigious hospitals........... But she
retained her family connections to her homeland so no-one was surprised when
she decided to give up the day job and launch an air ambulance service
ferrying needy medical cases from Africa to Britain. All above board and
paid for privately, of course.
Her venture, Flying Doctors Nigeria, gave her an enviable international
profile. She was featured by
Time,
CNN and the
Guardian. She graced the pages of
Forbes as one of Africa's most promising
entrepreneurs, and she was a hit on the international conference circuit
with her
TED talks. She was named a 2013 New Voices Fellow at
the
Aspen Institute and a Young Global Leader by the
World Economic Forum .
But the flying doctors career plummeted into the ground earlier this year
when she was exposed as a liar and fraudster at a London medical
disciplinary hearing. She personally jetted in a critically-ill
burn victim from Nigeria, 'dishonestly claimed the Nigerian was a UK
resident, and obtained NHS treatment costing more than £45,000. This patient
was then found to be carrying a deadly superbug infection which meant that
one of Britain's foremost burns treatment centres 'a reception centre for
injured servicemen' had to be temporarily closed because of the potential
risk to other patients. NHS management is so notoriously lax that, if not
for that last disaster, she might have been getting away with this racket to
this day..............
In 2013 it was revealed that many of the estimated 7,290 TB cases are of
a new strain which is drug resistant. So around £11 million had to be set
aside for treatment of a disease which had been eradicated in the UK by the
1960s.
And what has been the response of the party that calls itself
Conservative? They have placed a
statutory obligation on all general practice doctors to
treat foreigners without asking about their residency or qualifications.
According to EU law, it is their human right (although non-EU
immigrants will be charged for hospital treatment; of course, in fact few,
if any, actually pay)................
It is hard to avoid the conclusion that all this is deliberate. If
a politician wanted to surreptitiously destroy the NHS then they could
hardly do a better job. The NHS is such a politically untouchable issue that
no assault on it can be done in the open. What better solution then, than to
run it into the ground with the present covert mass-immigration policy?
And what of the flying doctor, Ola Orekunrin? Once she would have been
struck off the medical registrar for life. Today the disciplinary panel is
drawn from a wider pool which "reflects the diversity of Britain today".¯
This is presumably a good thing as foreign doctors take up such a huge
proportion of the
disciplinary workload. The good news for her is that her six months suspension will be up from
the end of August and she free to work in any hospital in the UK again. So
it is onward and upward for the flying doctor.
UNQUOTE
This comes from the archives, before
Covid-19 came
along but most links are still live. You will be delighted to know that
little
Dr
Ola Orekunrin, now
Dr Ola Brown is not
written up as a thief and liar by the
Wikipedia. Are
politicians doing this to us deliberately? Do
Johnson,
Blair, Brown, Cameron, Patel,
Sunak or their henchmen care or even know? We are being betrayed by ZOG,
by a Zionist Occupied Government.
NHS Bosses Ordered To Make Excuses For Not Appointing Blacks
[ 27 December 2022 ]
QUOTE
Woke
NHS bosses are forcing interview panels to explain why they have hired a
white person over someone from an ethnic minority, the Daily Mail can
reveal.
A policy at the Royal Free in north
London requires staff to compile reports justifying why the successful
candidate was deemed ‘more suitable’. They must write to the trust’s chief executive
with evidence on how they scored the non-white applicant and come up with
suggestions on how the candidate can improve for next time. Frustrated staff say the system is a ‘tick-box
exercise’ that is adding yet another level of bureaucracy to an already
creaking NHS.
UNQUOTE
It is another small example of the top down approach to destroying
Western Civilization, the
Long March Through The Institutions advocated
by Antonio Gramsci, the leading
intellectual of the communists in Italy. It is more effective that
Karl Marx' method, attacking from the bottom up,
inciting the peasant masses to rebel. NB The
Mail is censoring comments but then it is part of the problem.
How To Do Healthcare Properly - Unlike The NHS [ 1
February 1, 2023
IN THE third of my previous articles I mentioned the Stockholm syndrome
from which many British people seem to suffer when considering ‘our’ NHS.
The more blatant its failures, the more they strive to excuse those failures
and even transform them into heroic deeds in the face of daunting odds.
The stoicism of the British in the face of such incompetence is amazing.
The prevailing attitude seems to be ‘Well, it is what it is – mustn’t
grumble.’ In such an atmosphere of medical fatalism, a wait of two months
for an appointment seems like a lottery win when others are having to wait
two years.
This final article is intended to provide an insight into what a health
service can be like when it is properly funded and organised – the Swiss
system.
I apologise for its length and complexity, but for too long the
discussion about alternatives to the NHS has been characterised by
ill-informed waffle. The analysis here is under two major headings:
performance and payment.
After our early years in Britain, for the last 40-odd years my wife and I
and our three sons have lived and worked in Switzerland, Germany and France.
From the viewpoint of the health service consumer,
the Swiss system is by far the best. I have never had to wait more than
a day or two to see a GP. On a few occasions I have deliberately chosen a
later appointment: the one offered was too soon!
My GP cut out a suspicious growth on my forehead in a same-day service;
he did a beautiful job, leaving no detectable scar. The biopsy revealed it
was a basal cell carcinoma – better out than in.
Of course for such flexibility a system has to have spare capacity. It
cannot be running on 100 per cent all the time. Three cheers for a system
the normal condition of which is not ‘at breaking point’, but one with some
buffer resources. I am quite happy that the people who treat me are not
knackered and having to work till exhaustion.
Let me give you a personal case study to illustrate the consumer’s
experience of the Swiss health service. After an otherwise generally
medically untroubled life, in 2015 I ran out of patience with my waterworks.
The medical opinions of GP and specialist were that it was just the typical
ageing gent’s ailment. Try a month of pill swallowing. If that doesn’t do
it, some simple surgery will ream out the prostate.
Well, the pill
swallowing didn’t work, so under the knife I went.
Afterwards the
surgeon told me that, while reaming, he had found a small tumour hidden near
the entrance to my prostate. This discovery shifted the medical gears from
enlarged prostate in elderly geezer to prostate cancer. The treatment tempo
changed
immediately. Let me list the treatments I received.
December 2015
Thu 03 – Pre-op exam
Wed 09 – Hospital: Prostate
operation 1
Sat 12 – Hospital: Discharged
Fri 18 – Colonoscopy 1
Mon 21 – CT scan
Mon 28 – MRI pelvis
Wed 30 – MRI prostate
January 2016
Thu 07 – Bladder endoscopy
Fri 08 – Pre-op exam
Mon 11
– Hospital: Prostate operation 2
Wed 13 – Hospital: Discharged
February
Mon 01 – Debriefing from urologist
Wed 24 – Colonoscopy 2
detects adenoma (cancer precursor)
March
Mon 07 – Consultation
with surgeon
Mon 21 – GP pre-op check-up
Thu 24 – Pre-op exam (anaesthetist)
Wed 30 – Hospital: Operation (20cm of colon was sliced out with keyhole
surgery and a generous quantity of lymph nodes were removed and biopsied)
April
Sun 03 – Hospital: Discharged
Mon 11 – GP takes out the
stitches
Some clearing up took place in May and June:
Thu 19.05 –
Cardiac tests
Tue 07.06 – Prostate MRI
Mon 20.06 – Final consultation
with urologist
Note that all the important events took place within
the space of five
months. The benefit of having a system with capacity
reserves became clear as my case developed from a straightforward prostate
reaming into something quite complicated and potentially problematic. This
five-month period stretched over the Christmas and New Year holiday and over
Easter as well. The system responded with enormous flexibility and with
measured haste.
‘What costs nothing is worth nothing.’ My medical crisis cost
£15,193 altogether. I know this because I got the itemised bills. I paid
£3,698 and my insurance paid the rest, the equivalent of roughly six years
of premiums. Worth every penny. What costs something is worth something.
You ask: How can the 50 or 60 per cent of low earners in the UK, most of
whom don’t even pay tax, afford that? They can’t, but that is why modern
developed societies have welfare provisions that provide the safety net for
the less fortunate. In Switzerland the health service provides medical
services and always gets its money. It is not a charity. For people who
cannot afford these costs it is the welfare system that pays.
Bevan got it the wrong way round. If you design a health system with the
poor at the forefront of your mind, everyone ends up with a soup kitchen.
Design a solidly financed system that works well for most people, then work
out how to make it accessible to the poor. Then everyone ends up with a good
health system. Healthcare is too valuable to be free.
I could give a lot of detail on how the Swiss system is paid for, but I
will try to give the essentials. All costs have been converted from CHF to
GBP at rates from mid-January 2023 (0.87619), rounded to the nearest
sensible number.
Every Swiss resident is obliged by law to take out an annual health
insurance policy. A large number of insurers offer a large variety of
policies, but the government has defined a basic cover which all insurers
must offer on standard conditions. I have never chosen anything other than
the basic model and it has always served me well.
I pay £203 every month for my premium, that is £2,436 a year. If this
amount shocks you I would ask you to consider that, if you are a taxpayer,
the proportion of your tax and National Insurance (and all the other
sources) that in the UK would go to the NHS (22 per cent) is no longer being
deducted.
Under the basic insurance policy you are free to go to any doctor at any
time, even specialists. You are also free to choose your hospital or any
other health service providers such physiotherapists. Almost every element
of the system is operating in a competitive market in which the patient is
monarch. All these providers are really pleased to see you, the paying
customer.
Next, let’s look at the ‘franchise’, the deductible (or ‘excess’).
Insurers are required to offer a standard range of deductibles. I chose the
maximum deductible of £2,190. This means I pay my healthcare bills myself up
to an amount of £2,190 per annum. After that the insurance kicks in. I could
choose the smallest deductible of £263, in which case my monthly premium
would be £315 instead of £203. This is an important decision that only the
patient can make. It means that patients have some scope to optimise their
healthcare costs.
There is one more cost factor: the ‘cost contribution’. This is to
discourage frivolous use of the health service or to discourage patients
choosing the deluxe option just for the hell of it because someone else, the
insurance company, is paying (Milton Friedman’s fourth type of money once
more).
In my case, once I have crossed the deductible limit, I still pay 10 per
cent of all bills up to a total contribution of £613 (i.e. total bills up to
£6,130). After this point the health insurance picks up the remaining
amount.
One final, important point: my premium includes accident cover, which is
obligatory if you do not already have accident insurance. The point is
important because in the NHS, accidents are treated as though they were
illnesses. If you fall off your bike or break a leg skateboarding you will
be doctored with no questions asked. In Switzerland (in Germany and France,
too), accidents are accidents, not ill health. If you have been foolish
enough to fall off a skateboard, without insurance you will get the bill for
mending your wrecked body.
Unlike the NHS, in which children are just one more non-paying consumer
of healthcare, in the Swiss system, children and young people also have to
have health insurance. This respects the fact that children get ill, just
like adults. The social welfare system puts about 50 per cent towards the
premium as a support for families. This is a good example of Swiss clear
thinking: medical services for small people cost the same as those for big
people. The healthcare provider has to be paid, but the social welfare
requirement to support and encourage families is worth the state subsidising
these costs. Not only the rich should be able to rear children.
There are certain tax reliefs available which work to the benefit of the
low earner.
Let’s sum it up: no one expires in front of the hospital door. Everyone
gets treated with the same high level of care and efficiency. Someone pays.
And Britain?
One of the main takeaways from our analysis of NHS costs was that around
50 per cent of adults pay nothing or next to nothing for their health costs.
In effect, the healthcare of the less well-off is enforced charity.
If the UK adopted the Swiss system, the large number of low-income and
no-income adults (more than half of the population) would have to be
supported by the well off, just as before. Under a Swiss-style healthcare
system this support is a social welfare task that would fall on taxpayers as
it does at the moment. The NHS is based on a redistributive welfare model
while the Swiss system, apart from a few subsidies, is a pure healthcare
model.
For those who cannot afford the premiums the government pays a proportion
of their premium, depending on their circumstances. This is a cost clearly
borne by social welfare, not the health service. The health service always
gets its money for the services it provides. The fundamental point is that
the Swiss system works, delivers top-quality care and no one is left
behind. No soup kitchens here.
This is the last part of a series on the
inherent flaws of the National Health Service which mean it can never work
satisfactorily no matter how much money is poured into it. You can the rest
at:-
https://www.conservativewoman.co.uk/our-wonderful-nhs-part-1-the-soup-kitchen/
https://www.conservativewoman.co.uk/our-wonderful-nhs-part-2-dissecting-the-finances/
https://www.conservativewoman.co.uk/our-wonderful-nhs-part-3-captives-of-a-cult/
https://www.conservativewoman.co.uk/our-wonderful-nhs-part-3-what-costs-nothing-is-worth-nothing/
- Part 4 in fact
https://www.conservativewoman.co.uk/our-wonderful-nhs-part-5-how-to-do-healthcare-properly/
