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Should health insurance for teachers be compulsory?
Published in The Saudi Gazette on 04 - 03 - 2017

Public opinion flared up as soon as the Ministry of Education launched a voluntary health insurance scheme for teachers. Unfortunately, although it is optional, most people portrayed the initiative as an exploitation of teachers and a way to get their money, which is certainly the wrong idea and reflects a lack of awareness of the effectiveness and importance of health insurance, whether for teachers or non-teachers.
There are three important points about this scheme that must be kept in mind.
First, the health insurance scheme launched by the Ministry of Education is voluntary insurance - not compulsory. It aims to provide a healthy environment by taking care of family health and letting families receive medical care and treatment. The insurance is divided into three categories: Gold, Silver and Bronze, each with a different price. The insurance covers family members based on age groups, and this adds to the importance of this initiative, because it is not limited to teachers only.
Secondly, there is a distinct lack of social awareness about the importance of health insurance. There is evidence that many consider it to be a luxury, which is possibly what led to the angry reaction that appeared on social media websites following the announcement of the initiative by the Ministry of Education.
Health insurance occupies the top priority of concerns of developed societies and this awareness is justified in their cultures, reflecting their deep understanding of the importance of human health.
The social media reactions were shocking, especially the "hashtags" concerning this subject, because the greatest percentage of posts were by teachers themselves. The largest percentage of them dealt with the amount of money to be paid for the insurance, forgetting that it would lift a heavy burden from the shoulders of the fathers of families who are responsible for the health of family members and of seeing that they receive the necessary medical treatment.
Finally, the question remains as to whether health insurance should be voluntary or compulsory. I believe that compulsory insurance is much more effective, considering the fact that an increase in the number of insured participants provides a wider range of health services and that this would not be provided by insurance companies if the number of participants was small. Compulsory insurance also offers the opportunity to choose the appropriate class of insurance. I would go even further than that and say that it is an important opportunity to consolidate social participation values.


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