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      <item>
        <name>
          <family>ვერულავა</family>
          <given>თენგიზ</given>
        </name>
        <id>tengiz.verulava@iliauni.edu.ge</id>
      </item>
      <item>
        <name>
          <family>Verulava</family>
          <given>Tengiz</given>
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    <title>სამედიცინო შემნახველი ანაბრების სისტემა – ჯანდაცვის ეფექტური დაფინანსების მექანიზმი
</title>
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    <subjects>
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      <item>HN</item>
      <item>RA0421</item>
    </subjects>
    <divisions>
      <item>fac_med</item>
    </divisions>
    <full_text_status>public</full_text_status>
    <keywords>სამედიცინო შემნახველი ანაბრები, ჯანდაცვა, სინგაპურის ჯანდაცვა, სინგაპური, Medical Savings Accounts, Singapore Health Care System, Health Care, Health Policy, Singapore</keywords>
    <note>Resume

Medical Savings Accounts: Effective mechanism for financing health care T
engiz Verulava. Full Time Professor, MD, PhD. Ilia State University 

A key component of Georgian health care reform will be the intelligent balancing of market forces and government interventions. Singapore has achieved a balance appropriate for its population through a savings orientation. In 1984 Singapore adopted a system of Medical Savings Accounts. The concept of Medical Savings Accounts represents an innovative and alternative for the funding of health care systems. The fact that people are spending their own money rather than that of a third-party insurer has helped to curtail Singapores health care costs. Singapore spends less than other developed countries. From a theoretical point of view the Medical Savings Accounts concept helps to counteract the phenomenon of moral hazard in health insurance systems. Medical Savings Accounts should be considered one part of the solution to the global problem of growing health expenditures. It could be feasible to integrate certain elements of this concept into health care system of Georgia.</note>
    <abstract>საქართველოს ჯანდაცვის სისტემის რეფორმირების ეფექტიანად განსახორციელებლად მიზანშეწონილია საბაზრო ძალებისა და სახელმწიფო ჩარევების გონივრული დაბალანსება. სინგაპურმა ასეთ ბალანსს მიაღწია სამედიცინო შემნახველი ანაბრების სისტემის დანერგვით. იგი ჯანდაცვის სისტემის დაფინანსების ინოვაციური ალტერნატივაა. ის ფაქტი, რომ სამედიცინო მომსახურების მისაღებად ადამიანი სადაზღვევო კომპანიის ნაცლად საკუთარ ანგარიშზე დაგროვილ თანხას ხარჯავს, მნიშვნელოვნად ამცირებს ჯანდაცვის ხარჯებს. ამას ადასტურებს სინგაპურის გამოცდილება, რომელიც გაცილებით ნაკლებს ხარჯავს ჯანდაცვაზე ვიდრე სხვა განვითარებული ქვეყნები. მიუხედავად ამისა, სინგაპურში ჯანმრთელობის მდგომარეობის მაჩვენებლები გაცილებით მაღალია ვიდრე ბევრ განვითარებულ ქვეყანაში. შესაბამისად, სამედიცინო შემნახველი ანაბრების სისტემა შეიძლება ჩაითვალოს ჯანდაცვის მზარდი ხარჯების პრობლემის გადასაწყვეტი ერთ-ერთი ეფექტური მექანიზმი. საქართველომ უდავოდ უნდა გაიზიაროს ჯანდაცვის სფეროში სხვადასხვა ქვეყნის პრაქტიკით დაგროვილი გამოცდილება. რამდენად მისაღებია სინგაპურის სამედიცინო შემნახველი ანაბრების სისტემა საქართველოსთვის? - თუ გავითვალისწინებთ სინგაპურის პოზიტიურ შედეგს, პასუხი, ალბათ, დადებითი იქნება.</abstract>
    <date>2013-12</date>
    <date_type>published</date_type>
    <publication>ეკონომიკა და ბიზნესი</publication>
    <number>6</number>
    <publisher>ივანე ჯავახიშვილის სახელობის თბილისის სახელმწიფო უნივერსიტეტი</publisher>
    <refereed>TRUE</refereed>
    <issn>1987-5789</issn>
    <official_url>http://www.tsu.edu.ge/ge/faculties/economics/jurnal/</official_url>
    <related_url>
      <item>
        <url>http://www.tsu.edu.ge/ge/faculties/economics/jurnal/</url>
        <type>pub</type>
      </item>
      <item>
        <url>http://heconomic.wordpress.com/2014/01/04/თენგიზ-ვერულავა-სამედიც/</url>
        <type>author</type>
      </item>
    </related_url>
    <referencetext>1. Cannon M. F., Tanner M. D. Healthy Competition: What&apos;s Holding Back Health Care and How to Free It. Cato Institute. 2005;

2. Chao VTT.,  Chua Y L., Chiam P T L., Lee C Y., See Tho V Y., Tan S Y., Sin Y K., Hwang N C., Lim S T., Koh T H. Percutaneous Transcatheter Aortic Valve Replacement: First Transapical Implant in Asia, Singapore Medical Journal, 51(1) 01/2010; 51(1): 69-72.

3. Friedman M. How to Cure Health Care. The Public Interest. 2001;

4. Hanvoravongchai P. Medical Savings Accounts: Lessons Learned from Limited International Experience. Dsiscussion Paper, N 3 , World Health Organization. Geneva. 2002;

5. Kling A. Crisis of abundance. Rethinking how we pay for health care. Cato Institute. Washington. 2008;

6. Khaw B. W. All can afford healthcare. Ministry of Health Singapore. 2010;

7. Lee UW. U.S. Prof Muses on Singapore Pragmatism. The Business Times. 2008;
8. Li SC. Health Care System and Public Sector Drug Formulary in Singapore&quot;. ISPOR Connections. 2010;

9. Lim J,. Clive T. Strategic Orientations in Singapore Healthcare. CGL (Centre for Governance and Leadership). Ethos Issue 9, Jun. 2011;

10. Ministry of Health Singapore. White Paper on Affordable Healthcare, 1993;

11. Ministry of Health Singapore, 2010;

12. Ministry of Health Singapore, 2013; 

13. Singapore Government, White Paper on Affordable Healthcare. 1993;

14. World Health Organization, Global Health Expenditure Database, 2012.
</referencetext>
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