Cat­e­gories of op­tions used in the sur­vey

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THE GTC sur­vey’s cat­e­gories of op­tions are as fol­lows (the num­ber in brack­ets in­di­cates the num­ber of op­tions rated):

• En­try level. These op­tions gen­er­ally pro­vide in- and out-ofhos­pi­tal ben­e­fits within de­fined net­works and for­mu­la­ries (lists of medicines) and are aimed at lower-in­come earn­ers, stu­dents and young workers. They al­low ben­e­fi­cia­ries to ac­cess cer­tain pri­vate hos­pi­tals (ex­cept the “state” cat­e­gory), as well as prac­ti­tion­ers who be­long to net­works. – Core (1) – Stu­dent (5) – Low-salary band – state (3) – Low-salary band (18) – Mid-salary band (18) • Hospi­tal-only (32). These op­tions pro­vide in-hospi­tal cover only, with the ex­cep­tion of cer­tain chronic ill­nesses and pre­scribed min­i­mum ben­e­fits, which are pro­vided by all reg­is­tered med­i­cal schemes.

• Saver (37). These op­tions pro­vide in-hospi­tal ben­e­fits at var­i­ous lev­els and, in ad­di­tion, ac­cess to out-of-hospi­tal ben­e­fits via an out-of-hospi­tal ben­e­fit and/ or sav­ings ac­count.

• Saver plus (20). In ad­di­tion to pro­vid­ing in-hospi­tal ben­e­fits, these op­tions have two dis­tinct out-of-hospi­tal funding ac­counts, oc­ca­sion­ally sep­a­rated by a self­pay­ment gap. The ini­tial ac­count will typ­i­cally fund claims un­til it is ex­hausted. There­after, mem­bers will progress into the self-pay­ment gap and be re­quired to fund their own ex­penses un­til these reach a pre­de­ter­mined thresh­old, or they will im­me­di­ately progress to the se­condary ac­count, payable from the risk ben­e­fit.

• Com­pre­hen­sive (15). These plans typ­i­cally have an un­lim­ited above-thresh­hold ben­e­fit or an un­lim­ited ad­di­tional or se­condary out-of-hospi­tal ben­e­fit ac­count or sav­ings ac­count. They com­monly in­clude a med­i­cal sav­ings ac­count, have a self-pay­ment gap and an un­lim­ited abovethresh­hold ben­e­fit.

• Tra­di­tional plans (28). These older types of cover were not rated be­cause of the vari­abil­ity of the ben­e­fits of­fered.

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